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

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

I went to college in   XXXX   for 3 months and was charged over {$15000.00}. I am now  XXXX  and will neverbe able to work again. {$15000.00} is an extremely HIGH amount to be charged for 3 months especially since I returned absolutely everything to the school when I became  XXXX . Please help me.
Product: Credit card or prepaid card

After the unauthorized payments were reversed on my account, the credit card company charged two return payment fees of {$25.00}. These fees should not have been charged to my account due to the representatives submitting unauthorized payments. I thought this issue was resolved, but now that I finally have access to my statements on my account, I can see that I was charged two returned payment fees. These fees show up on the XX/XX/2019 statement. In addition to this issue, everytime I call in I am provided the wrong information about my account. As if today XX/XX/19, I have spoken to 5 different representatives. I should not have to speak with this many reps or receive poor customer service. The representatives fail to document my account correctly and this seems to have been the issue that happened XX/XX/2019 I would like for my account to be adjusted with the removal of the two {$25.00} returned payment fees that resulted in unauthorized payments in XX/XX/2019.
Product: Mortgage

I have refinanced our mortgage for a property I own in XXXX RI in XXXX of XXXX. 

The mortgage was refinanced through a company called Guaranteed Rate ( XXXX ). 

Our lender prior to that has been XXXX XXXX. Once the refinance went through the mortgage was immediately sold to XXXX. 

It took XXXX two ( 2 ) months to set up our account during which time we made two payments to Guaranteed Rate using temporary payment coupons. I can provide copies of processed checks for those payments. 

I can also provide a screenshot of our statements from the previous lender, XXXX, showing that those statements end in XX/XX/XXXX as well as a screenshot of our statements from the current lender, XXXX, showing that those start with the XXXX statement ( due date XX/XX/XXXX ) to demonstrate the gap during which payments were made to Guaranteed Rate. 

The issue is XXXX says they have no records of those two payments being remitted to them. They sent us a 1098 with 10 months worth of payments and interest because thats what theyre saying we paid.

The Guaranteed Rate representatives I spoke with said it looked like the money got stuck in your system somehow which is why we have not received a 1098 from Guaranteed Rate for those payments.

After a couple of months of back and forth received a 1098 from Guaranteed Rate showing the interest from the two missing payments and now a representative I spoke with says it does in fact look like the money was never remitted. 

Problem is I started getting a run around from every representative I spoke with after that. After over 2 month of emails and questions going unanswered they unilaterally closed my ticket with no resolution or refund and the only option they're now offering me is to start a new ticket and the process of looking into it again. 

To summarize XXXX is still saying they never received those payments and now we have the 1098 from Guaranteed rate for them which means that they did and the money is stuck in their system.

This means that Guaranteed Rate is holding two payments in the amount of {$2100.00} each for a total of {$4200.00} I would like to get those payments refunded so I can apply them to our mortgage directly with our new lender but I am getting no feedback or responses from anyone
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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ...... Surrendered Apt and relocated temporarily ... By XX/XX/XXXX a company named XXXX XXXX had put a collection in my credit report for a fraudulent amount of money. I had no idea what for or who they were... I acquired my credit reports from Experian, XXXX, and XXXX and have been disputing the entry since. I've written letters and complained on line throughout XXXX and XXXX. I've requested validation from the company and methods of verification from the 3 credit companies to no avail. The derogatory information in my credit profile has prevented me from securing a resident and now I'm registered as homeless trying to find affordable places to stay. I can not continue living like this. The information should be removed due to violation of FDCPA ( section807 ( 8 ), FCRA ( section623 ( a ) ( 3 ), FCRA, XXXX XXXX compliance ( 17a )
Product: Money transfer, virtual currency, or money service

My concerns regarding zelle handling of disputes particularly in the light of CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times. And reporting discrepancies my financial institutions and zelle failed to investigate my claims. Adequately they informed me that recovering lost funds was impossible. And that tracking these was unforeseeable the CFPBfindings 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 accointabilityraises serious concerns about customer safety. Please fix
Product: Bank account or service

My bank - USAA allowed a third party to do a complete takeover of my accounts. They were able to take {$9000.00} in Home Equity loans, transfer them to my debit account, and make XXXX Withdrawls of {$400.00} in a single day from an ATM. They did not catch this fraud until I brought it to their attention. They also " lost '' {$7000.00} of our money when it was transferred into a " Ghost '' account and did not apply the $ XXXX to our Home Equity line of credit. 
1 ) What kind of responsibility does USAA have to announce how many accounts this happened too? Wait time for fraud department went from XXXX to 2 hours leading me to believe this is widespread. 
2 ) It 's obvious Negligence when they do n't catch XXXX transactions for {$400.00} in a single day..do I have any options for redress due to their negligence? Myself and My wifes - name, birthday, Social Security number, and address are now in someone else 's control thru no fault of our own. 
3 ) Has their ever been an Audit of USAA 's procedures? How can they " Lose '' $ XXXX into a " Ghost '' account? I spent over 10 hours on the phone with them and ended up having to email XXXX of their executives ... and their CEO multiple times before they realized their accounting error. 

Any assistance in this matter would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account late status is incorrect. The account initially listed 60 days late & Closed APR XXXX prior to my XX/XX/XXXX dispute. After the dispute it now reports 90 days late. 
This is being reported incorrectly. The status should be only 30 days late. 


Select Portfolio not reporting status and paid and closed. Home sold XX/XX/XXXX. 
I would like to be contacted at XXXX. Thank you
Product: Mortgage

Nationstar dba Mr Cooper is attempting to forclose on my home with a fradulant assignment that contains robo signers and fraud can not be the basis of obtaining a deed
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 rigts to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602A, states I have a right to privacy. 15 USC 1681 Section 602A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) Section 2, 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 conviction of crimes which outdates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Payed XXXX XXXX in XXXX being 90 days late, I have always done that and all of a sudden they wouldnt accept one payment and said you have to pay 2 payments, they block XXXX XXXX and XXXX payments on purpose because they just want to foreclosure on me, fact, they never help, different answers from each person you talk to, they even brought this guy to my house for harassment, pounding on my door and garage. They have done that twice in a week with the same guy. I wasnt around but I have the footage on my adt doorbell camera, this is harassment, my XXXX year old mom was there and she could have had a heart attack. What a disgrace!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It is requested that all credit reporting bureaus be contacted and informed to remove said collection XXXX XXXX or any other fraudulent reporting from XXXX XXXX from my credit reports. XXXX XXXX XXXX fraudulently reported that they are the original creditors on my loan account. This is false reporting ( FRAUD ), I never went to XXXX XXXX, nor did I take out a loan from an XXXX XXXX. 

According to the credit bureau 's reporting on my account, my score has been harmed over the last couple of years with my credit score dropping 44 points at one time in some instances. This has affected my credit rating and my ability to apply for credit, loans, and personal accounts. 

An account executive called from XXXX XXXX XXXX and implied that this loan was tied to a loan from XXXX XXXX. My loans are in excellent standings, and XXXX XXXX was closed due to fraudulent practices by the United States Attorney General XXXX XXXX office. Federal loan relief forgave private debt owed by students of XXXX XXXX. 

Also see USA.GOV for further information on the fraudulent activities by XXXX XXXX and XXXX XXXX. 

I am asking that each credit bureau be contacted and the information supplied and attached be investigated against XXXX XXXX XXXX who continues to open fraudulent accounts against me harming my credit profile and character. A Cease and Desist letter that is also attached was sent to XXXX XXXX XXXX requesting them to start reporing fraudulent activity on my account. If XXXX XXXX XXXX continues to falsely report on my account causing me further harm, I am asking the Financial Protection Bureau to assist with the law suit that will be filed against XXXX XXXX XXXX per " CONSUMER LAW. '' I am requesting that all three credit bureau 's stop reporting this fraudulent information and restore my credit score back to its original standing from all credit reporting bureau 's. Forty Four points or more have been unduly deducted from my credit score and I am requesting it be reinstated. 

Please see all documents attached! 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX
Product: Student loan

In XX/XX/2023 I received a lump sum payment from my employer in the amount of {$3700.00}. That lump sum payment should have been applied to my payments for the next 12 months or the next IDR date, whichever is sooner. I called over 10 times and sent over 20 messages. However, my payment was NOT applied correctly. I am receiving form emails back saying " You spoke to someone on the phone. '' My payment was applied to interest/XXXX XXXX  when no bill was due. The lump sum payment covers more than 12 months ' worth of IDR payments toward PSLF. 

I need my lump sum payment to be applied correctly, as requested, to my payments without exception. 

Also, my payment amount was increased under XXXX which doesn't make sense as my income didn't change however no explanation can be provided and the two amounts for the separate portions of the loan do not add together. Finally, my IDR recertification date is not reflected correctly in the account as to what MOHELA states that it actually is. This should be corrected.
Product: Debt collection

Contacted my place of employment Spoke with my supervisor XXXX who asked them not to call again and called back and spoke with my coworker and discussed by account and how they are pursuing legal action, they have my contact information and still are calling third parties including my job, my grandfather and auntie and discussing my debt with them, When i contacted the company they then told me that he told them i was not paying th edebt when thats not what i said,
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do not close this complaint, it is not being made by mistake, and is regarding a different matter. I have been trying to dispute incorrect items listed on my credit reports and have gotten no assistance through the credit bureaus. Please see attached documents for referenced issues from above.
Product: Credit reporting

I filed a complaint against Equifax with CFPC in XXXX 2016, in regards to obtaining a copy of my credit report and credit scorces and also disputed inaccuracies contain in my consumer file. Equifax send a copy of a credit report and score dated XXXX XXXX, 2016, according to Equifax my credit score is XXXX. XXXX offers a service where they provide their customers with their credit score obtained and supplied by Equifax. XXXX claimed my Equifax credit score is XXXX and this information was obtained from Equifax on XXXX. 
This clearly is a continued problem with Equifax purposesly reporting inaccuracies in regards to my credit score and intentionally lowering my score with a lender in retailition for filing several complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I was informed of a breech of Equifax 's service affecting 143 million users. The page they provided told me my ssn, drivers liscense, home address, name could be compromised. I have put a 90 day watch on my credit but my private data is now considered public domain.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked into my credit report, which made me very XXXX I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % accurate in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im still having problems with Equifax and their accuracy in reporting correctly for a XXXXXXXX account. The balance is incorrect as well as the payment status. I reopened the investigation and provided supporting documentation. I demand correct reporting now as they have done nothing to correct my report despite all of the verification Ive provided. I am in process of purchasing a home. If their incorrect reporting interferes with my ability to close, they will be hearing from my attorney. Theyve had more than XXXX days to investigate this.
Product: Debt collection

Green Sky Loan Services has called me almost daily for 2 weeks. They have called from 2 different telephone numbers. They are looking for 2 women I have never heard of in my life. I have asked them nicely at least twice to stop calling me as I have no idea who they 're looking for. They always say no problem that my number will be removed. Then I get another call from them the next day. Please make the calls stop!
Product: Credit reporting or other personal consumer reports

Account information is incorrect, the status of this account is in good standing and the balance is incorrect on file.
Product: Mortgage

In XX/XX/XXXX I entered into a legally binding Modification Agreement with Seterus Inc., the servicer of my mortgage. On XX/XX/XXXX I was told by Seterus Inc. that I did not make the three trial payments required before accepting the Modification Agreement, although I had made each payment on time. On XX/XX/XXXX I received a letter from Seterus Inc. XXXX XXXX XXXX XXXX reiterating that I did not complete the trial payment period, therefore, the Modification Agreement had been revoked. I immediately sent proof of each payment ( 3 ), including the first Modification Agreement installment XXXX 4th payment ) for the month of XX/XX/XXXX. I made the first payment of the new agreement in hopes of Seterus Inc. quickly realizing their mistake, making the necessary adjustments to the new loan amount and sending a new Modification Agreement. I sent the second Modification Agreement payment in XX/XX/XXXX only to have the payment return for reason stated, " Failure to sign and return the Modification Agreement ''. Again, I received notice on XX/XX/XXXX that the Modification Agreement had been revoked for failing the trial period. On XX/XX/XXXX I received a letter from Seterus Inc. XXXX XXXX XXXX XXXX apologizing for the false claim ( letter of XX/XX/XXXX ) that I had failed the trial period. XXXX XXXX acknowledged the three trial period payments being received but did not recognize the payment made in XX/XX/XXXX as the first installment of the new loan agreement. XXXX XXXX began requesting the now revoked Modification Agreement to be signed and sent with payments beginning with XX/XX/XXXX. Since then, I have requested from Seterus Inc. XXXX XXXX XXXX XXXX on numerous occasions, an updated Modification Agreement acknowledging the first installment being paid in XX/XX/XXXX. Seterus Inc. has refused to send a revised Modification Agreement, continuing to request the signed Modification Agreement issued back in XX/XX/XXXX, and payments beginning with XX/XX/XXXX. I finally, signed and returned the now seven month old, revoked Modification Agreement and again requested confirmation of payments due, stating, again, that I have already made the first installment due XX/XX/XXXX. On XX/XX/XXXX Seterus Inc. XXXX XXXX XXXX XXXX acknowledged receiving the signed Modification Agreement but continues to demand the XX/XX/XXXX payment of which was received and deposited by Seterus Inc. on XX/XX/XXXX I believe this to be a deliberate attempt to prolong the service fees Seterus Inc. collects for servicing a loan threatened with foreclosure. It is beyond comprehension that, at this point, this is an oversight or miscommunication of some sort.
Product: Debt collection

Transworld responded my complaint by sending a statement which is in my name from the creditor. At no point Transworld provided any verification that in fact they own this debt or that I owe this debt to them in direct violation to the FCRA and not allowing me to dispute such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights under 25 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 166B a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and FTC report to this complaint for your review.
Product: Debt collection

In XX/XX/XXXX XXXX XXXX XXXX provided me with documents that do not reflect the debt amount they are trying to collect The XX/XX/XXXX statement clearly shows a different amount than they have placed on my credit report and are trying to collect for. The last XXXX XXXX statement was XX/XX/XXXX because the account was charged off in XX/XX/XXXX.