23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX Dispute of Inaccurate Information on Credit Report Dear CFPB I am writing to dispute the following information on my credit report XXXX Apple Card/GS Bank USA XXXX Charge-off, Late Payment, etc This information is inaccurate because, " I did not open this account, " this account is a result of identity theft. Additionally, the address associated with this account is incorrect. The address listed is XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX While my current address is XXXX XXXX XXXX XXXXXXXX, FL XXXX my correct address. 

Please investigate this matter and correct or remove the inaccurate information from my credit report, including updating the address to my correct address. I appreciate your prompt attention to this issue. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

Portfolio recovery associates took my money after paying off my debt to them two years ago, sold my account to another 3rd party and Now i still owe and outstanding debt. My only negative debt on my credit history that has been taken care of still reflects and tarsnishes my credit. I had two accounts with them. One was paid off on XX/XX/XXXX and it is paid fully the other paid off XX/XX/XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2015, I received a phone call from my Bank of America case representative in regards to my complaint about receiving an incorrect XXXX tax form. The Rep XXXX XXXX stated that BOA reviewed my interest payments and my XX/XX/XXXX XXXX form was indeed correct. I told her she has been misinformed and she was incorrect. She kept going on about a partial claim which has nothing to do with interest paid. She advised me to wait on the paperwork she was sending via mail with the breakdown. However, I informed her I already received a breakdown from BOA regarding my payment and interest transactions on XX/XX/XXXX. In that document it shows each monthly payment and interest paid for XX/XX/XXXX which totaled in {$10000.00} of interest paid for XX/XX/XXXX. Now if this document was sent to me by BOA themselves, then how are they now contradicting themselves and saying the original XXXX of $ XXXX is correct? 

Instead of the representative listening to me and awknowledging the fact that i didnt need to waste time waiting another week or more since I already received a breakdown from BOA, she just totallly dismissed me. I 've attached the interest breakdown from BOA 's own documentation they sent me from the cited case number as well as the incorrect XXXX form. This needs to be taken care of immediately as it ia almost the deadline for taxes and I have been dealing with this since early XX/XX/XXXX!! 

In addition to this matter, I have not heard anything on my dispute of the cited case number regarding the " missing payments '' that BOA XXXX XXXX, on behalf of XXXX XXXX stated the cited case numbers response to me. I supplied documentation prooving that I never missed a mortgage payment except when BOA directed me to. I have attached those documents as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I took XXXX XXXX  to housing court to dispute any balance owed, I won my case and later that month had the balance removed from my credit report and public record. In XXXX of XXXX I submitted an online inquiry to an apartment, which I later discover XXXX as the owner and didnt pursue further. Using the inquiry information XXXX has placed this previously removed and COURT dismissed balance back onto my credit report. I have disputed this with Experian twice with no relief. None of the information is correct on my Experian report regarding debt but this is putting my livelihood in jeopardy!
Product: Mortgage

I have a mortgage loan that I have had since XXXX and never missed or been late paying my monthly mortgage payment. My property located at XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX. XXXX, my mortgage loan # XXXX was transferred to Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX. XXXX ) Firstly, Shellpoint said that I didn't have Hazard ( earthquake ) insurance coverage on my property, I sent them a copy of my XXXXXXXX XXXX XXXX XXXX  of Liability for XXXX, XXXX, XXXX and current XXXX. 2 ) Secondly, Shellpoint said that I didn't have homeowner insurance which covered Betterment and Improvements. Once again, I provided Shellpoint a copy of my Pinecreek Villages Master All-in One HOA Insurance Policy which covers everything that is inside my unit that was there when I purchased the rental property in XXXX. 

Shellpoint changed my mortgage contract and added an Escrow account without my knowledge or signature. They placed their expensive Lender Hazard Insurance, therefore increasing my monthly mortgage payment. Shellpoint have refused to accept my HOA XXXX, XXXX, XXXX, XXXX Certificates of Liabilities, or my personal XXXX XXXX policies for Hazard # XXXX and homeowners # XXXX. 

I have called Shellpoint and spoken with numerous agents, and I have also sent the proof of insurance documents to Shellpoint via email and USPS. They still will not remove their Lender 's placed insurance, nor will they remove the escrow account from my mortgage contract and refund me my money for their Lender placed insurance. 

Will you please help me? 

XXXX XXXX XXXX Property Owner
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check for {$1500.00} via mobile deposit into my account at Huntington Bank. I promptly received an email stating that a complete hold was placed on the deposit through XX/XX/XXXX, but no reason for the hold was provided in the notice. No amount of the deposit was made available until the Subsequently, I learned from the check issuer that the check cleared on XX/XX/XXXX. I confirmed with Huntington Bank representative XXXX that Huntington had received the funds. During this conversation, XXXX also informed me that the bank was claiming " reasonable cause '' as the exception permitting the extended hold. 

Under the Expedited Funds Availability Act ( EFAA ) and Regulation CC : ( XXXX ) Banks must make {$220.00} of a deposited check available by the next business day. Huntington failed to do so.

( 2 ) Banks may only extend holds under specific exceptions and must provide a clear explanation of the reason for the hold. The notice I received did not include any facts supporting the bank 's claim of reasonable cause.

The Federal Reserves Compliance Guide emphasizes that reasonable cause to doubt collectibility must be based on " facts that would cause a well-grounded belief in the mind of a reasonable person '' and must be included in the notice to the customer. Huntington Bank provided no such explanation.

Huntingtons actions have caused unnecessary financial hardship and appear to violate the EFAA and Regulation CC.
Product: Credit reporting or other personal consumer reports

I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : -- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Received a collection letter from CashNetUSA mailed to my home with my name and address. I have never done business with them nor would I ever take a payday loan. When I called to inquire, they pressed for my personal information, which I refused to answer. They would not provide any details unless I gave them my personal information, which I refused. They claim I owe them {$2800.00}.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX  Date of Charge Off : XX/XX/2024 Amount : {$670.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX is in a financial hardship On XX/XX/2016 he sent in a loan modification package. 
Since then Ditech has held his file hostage and has refused to provide an update on the file despite the bankruptcy authorization on file. XXXX XXXX filed bk pro per and represents himself. There is no attorney assisting him. 
Please see attached phone records that show 48 hours of hold time. 
DITECH employees transfer the phone calls to the " bk '' department and the calls are placed on a perpetual hold. Not one employee has answered the phone. The call is then dropped each time after 3-4 hours of hold time. These calls were all placed at different hours of the day. At this point there is no excuse for the negligence. 
It is very obvious that DITECH is discriminating against XXXX XXXX based on his race, ethnicity, language, national origin. 
There is no excuse for the lack of assistance. 
Supervisors have been requested on numerous occasion and the lack of training is extremely obvious and appalling. 
The following employees have provided horrendous attitude and need further training. The lack of skill is very apparent. 
XXXX XXXX XXXX XXXX x XXXX promised she was going to get someone on the line and she intentionally terminated the call and failed to make a call back to address the issue and the dropped call. 
XXXX, XXXX, XXXX, XXXX, XXXX were also all employees who discriminated against XXXX XXXX and transferred him to the que where the calls are placed on a perpetual hold when. XXXX XXXX will be filing a litigation complaint in district court in regards to the negligence and discrimination from ditech. Furthermore, He wants an update on his file from the XXXX.
Product: Debt collection

This item is being reported to all XXXX Credit Bureaus and I never had any type of account with XXXX XXXX Library yet Unique National Collections continue to attempt to collect the debt.
Product: Credit reporting, credit repair services, 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. XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX XXXX Account Number : XXXX, has 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 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: Student loan

I was unemployed twice, once in XXXX and once in XXXX. I am employed now, but have crazy daycare expenses as I am a lone parent with only {$XXXX} of monthly child support. After mortgage, childcare, transport, food, and child related costs ( clothes for eg. ), there is very little left. I have written, called, provided documentation, even copying the White House, to propose an amount I can afford. and I get met with bureaucratic resistance from AES. XXXX has extended a forbearance to give me time until my son is in XXXX. AES wo n't even respond.
Product: Credit reporting or other personal consumer reports

In XXXX of this year, a XXXX  XXXX car that my daughter and I financed where I was the co signer through XXXX XXXX 
Was totaled and paid off in full makung the debt free and clear and repieted it on my credit as I aid in full. XXXX XXXX  then sent my daughter and I A {$4600.00}. Check made out in her name and mine. When I contacted the company, they said it was for overpayment of the totaled car and that the check was ours to keep and deposited due to overpayment and That's why it was made out in our names and again to deposit the check or cash it. Then 3 months later. 
XXXX XXXXXXXX  called us and told us that even though the check was ours, as they stated, they made a mistake on their end and that we have to repay the money 's back even after confirming that they said was ours. I then filed a dispute with the company and the XXXX XXXX XXXX and explained we were tokd its ours to deposit or xah it and that i used it for bills and was contacted and told they that they were doing an investigation. But the next thing I know the company then reported On my credit report that I now owe them {$7500.00} and never contacting me after other than reporting the wrong dollar figure on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have repeatedly noticed a collection/chargeoff on my credit report from Comnwlth Fin. I disputed this error over a year ago because the debt was over 8 years old. Now this debt is updated regulary. This originated from a medical bill that is over a decade old. The chargeoff/collection amount is showing {$1100.00} reported XXXX XXXX, 2017.
Product: Money transfer, virtual currency, or money service

On XXXX, my first Complaint ID # XXXX, US Bank informed me that " The company needs authorization from me to proceed with my complaint - there is an unauthorized third party on XXXX. '' Another response sent to XXXX  from US Bank via Secure Messaging stated that US Bank was " trying to locate their client for a debit authorization. '' Once US Bank located their scammer account holder, access was denied from the fraudulent transaction in which US Bank then requested a Hold Harmless Letter be sent to them from me at XXXX XXXX  ; HH Letter sent notarized directly from a XXXX  Banker to US Bank on XXXX, still with no status updates or reversals to-date. 

I don't understand why a Debit Authorization was needed from their fraudulent US Bank account holder, but a XXXX Police Report, FBI Report, Action Fraud XXXX  & XXXX Police Report have all been filed against XXXX XXXX XXXX as she impersonates an employee at XXXX XXXX in a job scam & stole my {$2600.00} USD with no trace of her. US Bank sent a message to XXXX  which informed me via XXXX Secure Messaging that the case was closed but to send in a Hold Harmless Letter to US Bank for further processing in which I've followed all instruction thus far. What is the status & receipt of my Hold Harmless Letter?
Product: Mortgage

XXXX XXXX, XXXX. ( " Servicer '' ) continually fails to respond to my email requests through their portal, and then claims no knowledge of said requests when I call to speak with a representative ( even though I have automated emails confirming receipt of my emails ). In the normal course, it is not a major issue, just an extreme annoyance. However, every year for the past three years, Servicer has failed to respond to my inquiries and document submissions regarding payment of my homeowner 's and flood insurance premiums. This has caused me to be late on my insurance payments and nearly caused my insurance to lapse one year. I am having the same issues again this year - when I call, they claim no knowledge of emailed submissions. There is a real risk that my insurance premiums are not paid from the escrow Servicer has been holding over the course of the year without an intervention.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX Hope this finds you good Im lettin you know I dispute the debt above under the Fair Debt Collection Practices Act This aint a request for more proof or docs just wan na make sure you know I dont agree with this debt For future contact best time to reach me is by text on my cell or email on my computer XXXX XXXX XXXX between XXXX and XXXX XXXX XXXX Any other times or ways like live calls or voicemails aint convenient Thanks for understanding
Product: Credit card

I bought a clock from XXXX with my Discover credit card XX/XX/year> for {$32.00}. When the clock arrived on XX/XX/year>, it was discovered to be defective. I tried to return the item to XXXX and they refused to authorize a return even though the receipt states I have 90 days to do a free return regardless of the condition of the item. 

After getting nowhere with XXXX customer service, I sent the item back to the original sender by way of " refusing '' the package and the item being returned to the original sender via XXXX XXXX XXXX. It was delivered to the original sender on XX/XX/year>. 

As XXXX was not willing to work with me regarding their own return policy, I initiated a dispute with Discover for the full amount. Initially Discover found in my favor. But then I got a packet in the mail from Discover saying they received further evidence from the merchant and they reversed their decision and found in the merchant 's favor. After many discussions with Discover, I was informed eventually that the reason they found in their favor was because " XXXX sent them a return policy and they then closed out the dispute ''. I was given many different explanations for the reason they would not find in my favor, and I kept obtaining more and more evidence to support their requests for detail of my case, and Discover just refused to reopen the case and do any due diligence in looking in to the matter any further. 

The bottom line is this : XXXX. I bought an item online from XXXX. 
XXXX. Item arrived defective. 
XXXX. I informed XXXX of said defective condition of product and tried to initiate a return. 
XXXX. XXXX refused to honor their own return policy and initiate a return. 
XXXX. I sent the item back to XXXX. 
XXXX. I disputed the charge with Discover. 
XXXX. Discover is not willing to look at the facts fairly and come to a morally just decision. 
XXXX. I am filing this complaint as a last resort with the CFPB.
Product: Debt collection

A debt collection appears in my credit report for a XXXX XXXX in Texas. I'm an Ohio resident with no idea about this debt.
Product: Credit card or prepaid card

I was approved for XXXX XXXX XXXX  Credit Cards in XXXX and XXXX. I fulfilled all the terms of the offer and received my bonus miles in my XXXX  account. Soon after this, XXXX  terminated my account and confiscated those miles citing " accrual of ineligible XXXX  miles and benefits ''. They also claim " These actions specifically involve abuse of the XXXX  XXXX  through gaming behavior, used to circumvent the Citibank/XXXX card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/XXXX card promotional bonus offer terms and conditions, as well as at the top of each application page. '' However none of the card I applied for contained this language. When I called Citi directly they told me that I need to talk to XXXX XXXX ; however, when I call XXXX XXXX they won't listen when I tell them that I fulfilled the terms of the offers correctly. I would like Citi to either provide me with a monetary equivalent of the miles that were confiscated or work with XXXX to reinstate my account and miles. My XXXX  account number is XXXX. 

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

I am writing 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 infeasible. 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 concerns about consumer safety
Product: Debt collection

Caine and Weiner took over a debt that I had with XXXX XXXX. When the debt was with XXXX the amount was {$80.00} and now they are saying that I owe them {$350.00}. When asked to send any information they had on the debt including amounts and dates I was told that they do not have to do that and I am responsible for paying the amount in full. I was able to get the account removed from my XXXX report but now they have posted it on XXXX and XXXX. When disputed through XXXX they said the debt was again valid and it would not be removed from my report.
Product: Checking or savings account

I received a check in the mail which turned out to be a fraudulent check and it was deposited and my bank wants me to repay this amount.
Product: Credit card or prepaid card

An American Express business card under XXXX XXXX XXXX XXXX was opened without correct tax ID and is being reported as delinquent under myself personally.