23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

At the beginning of XXXX I receive a notice that my escrow amount on my mortgage would be changing. In error, I reduced my XXXX payment amount in my auto bill pay to the new amount and this resulted in my payment being less than {$60.00} short ( it was {$59.00} and change ). The actual decrease in my mortgage amount was scheduled for XXXX not XXXX ( so I changed the payment amount one month early ). As such, Loancare received approximately 97 % of the payment. I received ZERO communication from Loancare and only found out about the short amount through credit monitoring when my credit score was penalized. I did not receive ANY communication from Loancare ( no email, auto phone notice, nothing ) to notify me of the issue prior to finding about the issue after reviewing my credit. The day I called them after seeing my credit report, I received a letter in the mail about the issue dated XX/XX/XXXX notifying me that my loan was 60 day past due! Even though it had only been 18 days since the payment date ( I received this on XX/XX/XXXX ). They did not try to communicate at all with me until after they had marked the payment as 30 days late which they knew would result in me being blocked from refinancing to a lower rate. They sent me a 60 days past due notice 18 days after receiving 97 % of the payment and I fully believe this company was aggressively trying to take my house over what was a {$59.00} administrative error, with NO COMMUNICATION prior to reporting to the credit bureau. 

I called Loancare on XX/XX/XXXX and made the payment whole on XX/XX/XXXX ( date payment actually went out from my bank account ). My monthly payment is due every month by the XXXX, but I was told that even though the payment is due by the XXXX that count the 30 days late from the XXXX of the month. Since the payment being short was obviously an administrative error, Loancare was willing to reverse the late charge they were trying to assess ( a late charge fee that was greater than the amount that my payment was short ), but they would not remove the 30 day late reporting against my credit despite agreeing that it was an administrative error and removing the late fee. I believe this is a predatory practice to try to fence me in from refinancing away from their company as rates have dropped.
Product: Debt collection

Rent Recovery Solutions contact me in regards to a debt with a landlord-tenant dispute. They informed me the debt was associated with an " eviction '' that had occurred. I asked them if the debt had been verified, they confirmed, and I then requested to see paper work associated with the eviction ( court papers, court date, etc. ). They would not disclose this information, as I already knew the landlord did not provide me with an eviction notice, nor was I given an opportunity to defend myself in court. This all stems from a last month rent withholding due to the property being deemed uninhabitable per a city violation that was issued by XXXX XXXX that was not acted upon. I have tried multiple times to contact XXXX XXXX ( XXXX ) regarding this matter only to get no response. I beg of you to please look into this matter as I am almost certain there is some form of fraud taking place as this debt went from {$840.00} ( one month of rent withheld ) to almost {$5000.00} without a court date, eviction notice or legitimate verification of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of my credit report i noticed fraudulent inquiries on my credit file and also an address i have never lived at or been associated with is listed on there. Please remove this fraudulent information from my file.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes and the lack of accountability in protecting consumers. Despite using Zelle regularly and promptly reporting issues, both my financial institution and Zelle failed to address my claims adequately, stating that recovering lost funds and tracing transactions was impossible. This is deeply troubling, as recent findings reveal that Zelle has allowed fraudulent activities and repeat offenders to exploit the platform, leaving users vulnerable and unsupported. The absence of transparency and effective safeguards is unacceptable and raises serious concerns about consumer safety and trust.
Product: Vehicle loan or lease

USAA is charging me 16.54 % on a used vehicle loan. 

The national average loan interest rate is 5.27 %. 

My credit score is almost 700 as of XX/XX/XXXX. 

USAA has refused to refinance the loan. 
I contacted them approximately XX/XX/XXXX via telephone and requested a refinance and/interest rate reduction and was denied. 

I have had financial difficulty due to COVID19. 

This means my payment is {$790.00}. broken down to : Interest : {$460.00} Principal : {$320.00} The loan began : XX/XX/XXXX Pay off schedule date : XX/XX/XXXX PAYMENTS : XX/XX/XXXX LATE CHARGE ASSESSED {$39.00} {$34000.00} XX/XX/XXXX PRINCIPAL {$320.00} {$34000.00} XX/XX/XXXX INTEREST {$460.00} {$34000.00} XX/XX/XXXX PRINCIPAL {$300.00} {$34000.00} XX/XX/XXXX INTEREST {$480.00} {$34000.00} XX/XX/XXXX NUMBER OF DAYS = XXXX XX/XX/XXXX PRINCIPAL {$330.00} {$34000.00} XX/XX/XXXX INTEREST {$460.00} {$34000.00} XX/XX/XXXX PRINCIPAL {$290.00} {$35000.00} XX/XX/XXXX INTEREST {$490.00} {$35000.00} XX/XX/XXXX PRINCIPAL {$290.00} {$35000.00} XX/XX/XXXX INTEREST {$500.00} {$35000.00} XX/XX/XXXX PRINCIPAL {$190.00} {$35000.00} XX/XX/XXXX INTEREST {$600.00} {$35000.00} XX/XX/XXXX PRINCIPAL {$35000.00} {$35000.00} So this is a 7 year auto loan in what would be 4 to 5 years if the interest rate was not inflated. 

I am paying more in interest than I am on my payment to pay the loan off. 

This is preditory lending. I am being taken advantage of by the financial institution. 

I am a XXXX person. 

Maybe similar scam as the XXXX housing market which caused a crash in the industry? Also I don't know who my money is going to in their network or why or how they are redesignating it. I really don't care either as they are financially abusing me to I guess give to another area? 

I don't know what scam the government is running. USAA Federal is refusing to refinance my loan and SERIOUSLY TAKING ADVANTAGE OF MY FINANCES.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX, AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX, XXXX, AND XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED ACCOUNTS DISPLAYED ON MY CONSUMER REPORT THAT ARE IN VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CONSUMER REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX REQUEST NOTICE XX/XX/2024 I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair XXXX reporting. ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) EQUIFAX is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Credit reporting or other personal consumer reports

XXXX allowed criminals to apply for credit cards XXXX different times and add high balances ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). They negligently did not put the property safeguards up to protect my security and prevent future cards to be ordered by others illegally, they allowed others to change the PIN and phone number to my XXXX  XXXX, they caused my credit score to drop from above XXXX to the XXXX range, they allowed someone on XX/XX/XXXX to change my PIN and XXXX someone {$500.00} all while I had a Fraud alert and Credit Freeze with TransUnion, XXXX, and XXXX. They ignored notes allegedly put in my representatives where I begged them to stop allowing others to order XXXX XXXX XXXX.
Product: Credit card or prepaid card

Bank Of America showed up on my credit report. Ive sent multiple letters asking someone with first hand knowledge to answer my questions I sent in. To date I have yet received the answered questions, that would prove that Bank Of America made a legal loan to myself while compiling with TRUTH AND LENDING ACT. Bank Of America has yet been able to produce any documents that show they loaned their own money in this alleged debt. I have been working for months to have them take their Tradeline off my credit report.
Product: Debt collection

All actors have been fired, yet still, the agents and actors are attempting to extort monies and property from me. In addition, all alleged debts, have been on national level, released, see 2nd attachment, on page 2, A5 highlighted in red for easy detection, " XX/XX/XXXX, 2017 : XXXX/XXXX is accepted worldwide and new elections will be announced replacing the removed dark ones with the introduction of Common Law in governments and courts everywhere. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2022 received phone call from Experian XXXX @ XXXX pm spent XXXX min on call with representative he indicated to me no mater what a court or judge says they dont have to comply with removal of such however they removed XXXX Collection PLEASE NOTE XXXX XXXXXXXX XXXX XXXXXXXX AND XXXX WERE DISPUTED AS WELL PUBLIC RECORD XXXX XXXX XXXXXXXX AT THE SAME TIME REGESTERED LETTER OVER 30 days ago still pending Experian has demonstrated poor ilegal practices as well indicated that third party XXXX replied to my dispute a proven lye SEE RECENT CORRESPONDENCE ATTACHED PRIOR
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to receive my report from Equifax for 4 years! They give FALSE questions online to deny access! ( People assume ID Fraud based of this Equifax scam ) Equifax does not sent the report after sending them copies of license, Bills, SSN, Tax info ect. This company does this so they can charge you! They are breaking the federal law stating all consumers can receive one free report a year! I want my report that EQUIFAX owes me! The fake questions need to end and this company needs to comply with the law or be fined! Many online complaints state they do this to a lot of people! Enough is enough!
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of account on my credit report. Upon contacting the company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company  XXXX  times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with   XXXX   I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and TransUnion because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Product: Mortgage

The financial company ( Ditech Financial LLC ) acquired my mortgage, so I am not familiar with the company. They received and processed a payoff on XXXX XXXX, 2016. I have received from Ditech my escrow analysis statement dated XXXX XXXX, 2016 and received on XXXX XXXX, 2016 which shows the overage and escrow amount due me in a refund of {$3200.00}. I have also received a statement of recorded satisfaction or release of mortgage dated XXXX XXXX, 2016. 
I have not received my refund of {$3200.00}. I have made four calls dating from XXXX XXXX, to XXXX XXXX, 2016. Each time I have been given a different response about my refund. 
The first response, the check was mailed to me on XXXX XXXX, 2016, so wait a few days. I waited a few days and placed another call, this time I was told the first response was not correct, the check will be sent out on XXXX XXXX, 2016, thirty days after the payoff, I waited, no check, my third call, XXXX again said I should have received the check sent out on XXXX XXXX, 2016. I waited placed another call to CSR, this time it was back to XXXX XXXX, 2016 when the refund was processed and sent out. 

It has been forty two days ( 42 ) since the payoff and I can not get a straight answer or my refund from Ditech Financial LLC I am seeking your assistance in helping me with this matter. 
..
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I wire transferred {$500.00} from 5/3 bank in XXXX, IL to XXXX XXXX. 
The money was never received by the third party and my bank is just fobbing me off. 
The money was never received by the recipient.
Product: Debt collection

XXXX XXXX, XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX NWIDE RECVRY XXXX NWIDE RECVRY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NWIDE RECVRY XXXX NWIDE RECVRY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have not used credit for a number of years but have been working very hard in order to build a great credit file and score with all three major credit bureaus. All of my accounts with all creditors are in good standing with no late payments, no judgements, no collection accounts at all. I also work with my XXXX XXXX application and also with XXXX on line in order to get my credit file and scores where they need to be for many reasons. This morning I woke up to my score ( FICO ) with Equifax being lowered by XXXX points, when the other XXXX had positive changes. I will attach copies of my scores as of today. 

As I am sure you are aware of the impact that lower FICO scores have on everyone 's lives, this is especially upsetting. Equifax has my score XXXX points lower than XXXX and XXXX points lower than XXXX. My XXXX and Equifax scores were exactly the same yesterday. 

This is extremely unfair and incorrect.
Product: Credit reporting or other personal consumer reports

Hello, I just reviewed my credit report again and found a number of accounts that do not belong to me. Besides the accounts I previously complained about, there are new accounts as well. I am being harassed daily and inaccurate personal information continues to be reported. My complaints have not been adequately addressed, and I urge you to correct this immediately, otherwise I will engage a lawyer since I am continuously denied housing as my credit score drops. It is your responsibility to block these transactions from being reported to my consumer report within four days of receiving this notice.
Product: Credit reporting or other personal consumer reports

I have repeatedly been trying to lawful dispute two inaccurate reports on my credit file : XXXX XXXX XXXX XXXX XXXX 

I have sent Equifax full color copies of my valid Driver 's License, Utility bills, and proof of social security on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have also lived at the same address for 20 years, where I own the home. My phone number has not changed in 20 years either. Equifax clearly has a credit file on me with my current information. 

Notwithstanding Equifax has unlawfully sent me " stall letters '' on at least 12 occasions in direct violation of the FCRA. Those letters are dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letters have demanded proof of identity, which I have provided multiple times already. 

Because I have responded many times with the requested proof documents, I believe Equifax is acting FRAUDULENTLY in refusing to process my lawful disputes. This is not just negligence. Their repeated gross violations of my rights over many months constitutes WILLFUL NEGLIGENCE. 

By using this invalid manufactured excuse and " stall letter tactic '' repeatedly, Equifax has unlawfully failed to investigate and delete the two accounts from XXXX XXXX XXXX XXXX XXXX. These violations have occurred no fewer than 12 times when they sent the illegal stall letters.

Equifax has maintained the same credit file on me for my entire life. I have resided at the same address for 20 years. I have provided all of the required " proof documents '' in response to Equifax three times this year. Yet they still ignore my disputes and claim they need proof of my identity each time. This is FALSE. They have the proof.
Product: Checking or savings account

I was gone away from home for 36 days. Someone broke into my house while I was gone and made thereselves at home. My new debit card came in thr mail. They opened it, activated it, and used it. Charging over {$550.00}. I reported fraud that day. Sent in information the next day, which included police report, confession from the person that did it, and states attorney filing charges for burglary in the first degree on yhe people responsible. But Dave refuses to refund the missing monge and says the user wad authorized ... that's bs!!