23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

for the 3rd year in a row they are claiming a shortage in my escrow .I do not understand how for 3 years in a row we have any shortages. This has been a yearly thing since MR COOPER took over our loan.this time they claim a shortage in the amount of XXXX raising my monthly payment from XXXX to XXXX. Before my cooper took over loan we filedfor, and receved a modification so we could afford loan now this place raises our fixed payment every year claiming shortage.
Product: Mortgage

I have a mortgage managed by Green Tree. I recently changed my monthly payment from {$1500.00} to a twice a month payment of {$1700.00}. The payment plan was set up by Green Tree for automatic withdrawals from my bank that the previous payments were made. I received a statement for XX/XX/XXXX indicating I had a late fee of {$32.00} for not making my {$1700.00} payment on XXXX XXXX. I had already made a payment of {$1700.00} on XXXX XXXX which is more than my monthly mortgage. I have a document from Green Tree with the payment due on XXXX XXXX, not XXXX XXXX. I believe this is a common practice with Green Tree because they vehemently denied they were at fault. I have formally contested the charge and not received a response other than it will take 30 days to review. Interesting! I pay more than twice the amount of the mortgage, yet they charge me a late fee. Crooks!
Product: Credit reporting or other personal consumer reports

On my XXXX XXXX I noticed four inquiries around the same time that I did not authorize. I believe my ex partner used my information. I would like these inquiries deleted as I did not process them and not looking to inquire about purchasing any vehicles or loans 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: Debt collection

I have disputed with Equifax and, XXXX XXXX XXXX XXXX XXXX also XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  I have written them letters to no avail, XXXX  XXXX is the only one who has obey by the law 609, I have not received from Equifax or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX nothing with my signature on it I would like for the law to be put in place here.
Product: Credit reporting 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 items 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 any items 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 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 remove 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 or other personal consumer reports

I was looking at my credit report with the mortgage company and I noticed my credit was not reported for the mortgage company Im with. Its not reported on my credit history Its not going towards my credit score or have any history of payments documented to my report
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts showing on my credit report do not belong to me and must be removed immediately! I have filed a complaint with the FTC, Local authorities and the creditors. I requested the credit bureaus provide a copy of my signature and the lenders signature on these contracts to prove validity. I have not received any such documents. Therefore without these documents on file, the credit bureaus are breaking the law and supporting fraud! 

1 ) XXXX XXXX {$0.00} High Balance {$28000.00} XX/XX/XXXX 2 ) XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX  XXXX XXXX {$0.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 5 ) XXXX {$0.00} XX/XX/XXXX 6 ) XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 7 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 8 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 9 ) XXXX XXXX {$0.00} XX/XX/XXXX 10 ) XXXX XXXX {$0.00} XX/XX/XXXX 11  ) XXXX XXXX {$0.00} XX/XX/XXXX 12 XXXX XXXX XXXX {$0.00} XX/XX/XXXX 13 ) XXXX {$0.00} XX/XX/XXXX 14 ) XXXX {$0.00} XX/XX/XXXX 15 ) XXXX   {$0.00} XX/XX/XXXX 16 ) Bankruptcy Reference XXXX XXXX # XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX  XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 4. Account Name : The XXXX XXXX XXXXXXXX T Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 5. Account Name : The XXXX  XXXX XXXX T Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 6. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : Professional Debt Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 8. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2008 attended XXXX XXXX but is now XXXX XXXX the student loan balance that is being placed on my credit is much higher than anticipated contacted XXXX XXXX  was informed the loans have sold out to various collection agencies have contacted several of these companies and their was no resolution solved these loans are really hurting my credit I cant purchase a home or anything I hope I can get some assistance with this situation
Product: Vehicle loan or lease

The fees that are being charged as late fees are over 200 percent of my  interest payments with Wells Fargo Auto Finance. There is no limit to the fees and no real relief for a longstanding customer.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Public Record - XXXX XXXX XXXX XXXX XXXX- This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Public Record - U.S. Bankruptcy Court - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Debt collection

Arbor Professional solution has placed this collection account on my credit report for XXXX this is a billing error. They have failed to provide me copies of validation I have sent multiple validation request to this company. That is viable evidence bearing my signature that i ever owed Arbor Professional Solution. This account is not accurate and should have not been placed on my report
Product: Credit card

I used an Apple credit card issued by Goldman Sachs to make XXXX separate purchases at the Apple Store, an XXXX and an XXXX using the XXXX interest installment plan for both. 

I then returned an item to a different store altogether which resulted in a credit balance approximately {$3600.00}. The installment balance was around {$2400.00}. 

I requested a refund from Goldman Sachs for the entire credit balance which that representative agreed to. 

When I hadn't received the credit balance in five days I called again. I was told by that representative the original representative was mistaken, because it is Goldman Sachs policy to keep any credit balance, even if it is over the installment plan balance, to be applied to the monthly installments each month until the installment plan was paid off entirely before any funds, even those in excess of the installment balance would be refunded. 

I spoke with a XXXX other managers who reiterated the same information. 

I said okay, can I pay off the installment balance. They said sure, you can do it through the Apple Wallet. The Apple Wallet app will only let you pay off installment payments each month, so no, you can't actually pay it off early. Goldman Sachs has no way to do it. 

I talked to more representatives who all said the same thing. Hours and hours of talking to Goldman. Finally I used their chat facility and someone was able to return the {$1200.00} in excess of the installment balance, but that still left {$2400.00} they were keeping to make the monthly payments, again turning an installment product into a pay up front. 

What I finally had to do was return the XXXX and XXXX in order to get rid of the installment balance. 

This happened less than a month ago so Goldman hasn't learned their lesson from the CFPB fines.
Product: Credit reporting or other personal consumer reports

XXXX is reporting an inaccurate account on the consumer credit report. The original company is a private landlord who received a security deposit and monthly housing payments in advance. The residential lease was not renewed via property price increase. As a result, a move-out notification was provided, the unit was vacated at the agreed date and there were no outstanding rent due upon relocating. This matter was never known until appearing on the credit report. Once known, XXXX and National Credit Systems received the following letter : Dear XXXX, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number or identifier account : XXXX Source of dispute information : NATIONAL CREDIT SYSTEMS INC Type of disputed information : Inaccurate credit account/tradeline Dates associated with item being disputed : XX/XX/year> Explanation of item being disputed : o 602. ( a ) / [ 15 U.S.C. 1681 ] Reporting this account violates this section because an alleged housing claim has nothing to do with banking or credit worthiness. REMOVE THIS ACCOUNT o 603. ( a ) and ( d ) ( 1 ) ( A ) - ( C ) / [ 15 U.S.C. 1681a ] Reporting this violates this section because the alleged account has no relation to credit, insurance, employment, or laws outlined in section 604/ [ 15 U.S.C . 1681b ].

o 603. ( 2 ) ( A ) ( i ) This alleged account is only a transaction or experience between parties, and not that of an extension of credit or having any relation credit worthiness. The only qualification this account has is " mode of living '' and identification of address. REMOVE THIS ACCOUNT o This account does not comply with the definition of an " account '' expressed in section 903 of the Electronic Fund Transfer Act.

o 607. Compliance procedures [ 15 U.S.C. 1681e ] Reporting this account violates accuracy of reporting. REMOVE THIS ACCOUNT o 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Comply with this request for reinvestigation.

o 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ; 617 ; FDCPA : 813.

Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Reporting this inaccurate account for another 30 days will result in civil legal action in the amount of {$250000.00}. Plus, remedies at the State and Federal levels.

o 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) Residential housing is pre-paid or paid in advance. There was/is no extension of credit, XXXX arrangement, etc. In addition, there was no proper service of demand, or Civil judgement rendered for any alleged amount owed. 
The furnisher was informed that this information is inaccurate, yet still made the decision to report. 

I have attached a copy of the email thread. 

Thank you for your assistance. I look forward to handing this matter outside of a courtroom. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelle 's management of disputes, especially following the recent lawsuit filed by the CFPB that shed light on significant issues within the platform. Despite my frequent use of Zelle and my reports of discrepancies, Zelle and my financial institution failed to conduct thorough investigations into my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was impractical. The CFPB 's discoveries suggest that Zelle has not only overlooked the protection of consumers but has also permitted repeat offenders to manipulate the system, leaving users susceptible to fraudulent activities. This lack of responsibility and clarity is unacceptable and gives rise to serious apprehensions regarding consumer security.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to XXXX in XX/XX/XXXX, File noXXXX. XXXX. XXXX responded to XXXX acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unaware of an account opened in my name. Im a victim of the equifax breach as well as identity theft. Ive disputed it with all 3 credit reporting agencies and its coming back as a charge off? The only way to contact this debt collector is a P.O. Box. Recently  I found out it was a XXXX XXXX card that was opened in XXXX of 2018. I asked for proof of the account and how it was opened in my name and didnt receive anything on that other than this company verified it was me that opened it some how. I dont know where it came from and I dont have an explanation of that either. I never received mail, a phone call, or anything from this company how was I supposed to know about this? I noticed it XXXX of this year on my credit reports and now it looks like it reported 4 charge offs on this amount of less than {$500.00}. Ive asked for proof of everything and nothing is getting done, its making it worse.
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed as by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, TRANSUNION a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at : XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Account Number : XXXX  Account Number : These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, and or hard inquires as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Product: Debt collection

The account was paid to be deleted but they didnt delete it. I disputed the account and the response was I still owe the balance.
Product: Credit reporting or other personal consumer reports

I discovered in XX/XX/XXXXXXXX  that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXXXXXX  for my mortgage with XXXX XXXX XXXX XXXX. 

At that time, I had a XXXX XXXX  that required that I XXXX XXXX for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was XXXX  at multiple and extended periods between XX/XX/XXXXXXXX  and XX/XX/XXXX, I was unable to communicate with XXXX XXXX XXXX XXXX  to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to XXXX XXXX XXXX XXXX as the mortgage servicer that I was experiencing a COVID-19 hardship and other complications caused by a XXXX diagnosis and subsequent extended XXXX. 

I became aware that I was entitled to attest to financial hardship during the COVID-19 emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the COVID-19 Emergency. 

Up until the XXXX XXXX, I had an on-time payment history with the XXXX XXXX XXXX XXXX since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being XXXX XXXX XXXX XXXXl.
Product: Mortgage

I want to know how a deed was transferred from myself to XXXX XXXX XXXX XXXX XXXX, when wells fargo was the lender.
Product: Checking or savings account

Around XX/XX/year>, XXXX XXXX and XXXX XXXX  XXXX XXXX entered into a legal dispute. My checking account with Juno has been affected due to Juno  's service agreement with both entities. My funds have been frozen for the last XXXX months. I'd like to gain access to these funds as soon as possible. My Juno account has {$840.00}.