23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX # XXXX, # XXXX, XXXX # XXXX, XXXX XXXX # 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

When XXXX loan repayment started up in XX/XX/2023, I noticed that my loan went from 0 % interest to 6.8 % interest. I was very surprised, as my loan was not 0 % interest due to the pandemic, it was at 0 % because I have been paying on this loan for over a decade and had paid down all of the interest prior to the pandemic. Furthermore Ed Financial Services made no attempt to disclose this change to me. This is price gouging and a clear violation of the Truth-in-Lending Act. I tried to reach out to Ed Financial about this and received no response do to " high volume of emails. '' This was over a month ago. I am now paying interest on a loan I had paid all of the interest off on. I will do everything now to pay them off as fast as possible, because I truly don't believe they care about borrowers and will do no thing about this complaint. Warning to other consumers out there, the federal government can and will take you for all of your money. This isn't about repayment its about getting as much money out of consumers as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting and XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The crediit reporting agency assumed I was disputing an account that was SHOWING on my consumer report. 

Which Im requesting an account SHOULD be reflecting on my consumer report that is KNOT Ive provided all proper documentation thats needed to update the account on my consumer report
Product: Mortgage

I inherited a property that carried a mortgage of {$XXXX} dated XXXX ( XXXX XXXX Mortgage ). 

In XXXX my mother passed away and I have paid the loan ever since. ( These payments were made to XXXX XXXX ( at least ) since I have taken over paying the loan ). 

I have been on title to the property for the past 10 years or so. 

I am currently refinancing this property and attempting to pay off the loan serviced by XXXX XXXX. I explained to the current lender ( for this refi ) that we have been paying XXXX XXXX for nearly 16 years and it is the only mortgage lien against the property even though the prelim shows XXXX XXXX. 

I requested the pay off demand and received it. Since the payoff ( XXXX XXXX ) is not the lienholder that showed on the preliminary title report, the title company questioned how to get the pay off from the lienholder recorded in XXXX. 

The refinance title company had a hard time verifying the pay off demand for XXXX XXXX was indeed the original note recorded in XXXX. 

There was not an original balance on the pay off demand, there was not an original loan number on the pay off demand, so " connecting '' XXXX XXXX ( servicing ) to the recorded deed of trust ( XXXX XXXX ) was not clear to the title company when the pay off demand was ordered. 

I spent over an hour and a half with XXXX XXXX on the loan; explaining this disconnect and they would not include any changes to their pay off demand in order for the title company to determine from a XXXX XXXX pay-off demand that they were the lien holder/loan servicing company . 

They insisted that I provide my proof of how I received title before they sent my request down the pipeline when accepting payment from me since .This would cause delays and would not rectify the fact that their demand did not prove they were the transferred loan servicing agency. 

MY GOAL WAS THAT I just wanted to get them paid in full and remove them from my property and to get something from them to indicate they are the current trustee to be paid that show on the title/lien on the property. 

Loan Servicing companies come and go all the time. There should be a requirement that the payoff demands include a verifiable connection to the original loan that closed in the payoff demand letter. Maybe this problem was prior to the XXXX debacle and has been rectified, but XXXX XXXX  was not forthcoming nor cooperative to resolve this payoff issue for this transaction. 

My investor that is working on the loan file now, worked with me to calculate the timing of the note ( XX/XX/XXXX due date ) and balance ( $ XXXX ) and piece together other components to determine what I said about this XXXX was correct. But the lack of cooperation from XXXX XXXXXXXX Was not acceptable. 

The process to pay a lienholder should not be this complicated. 

Fortunately, I originated the loan in XXXX, I own the property currently, and the new loan originating now is with an investor I am familiar with. They took all the extra documentation into consideration. Otherwise this case would not get resolved.
Product: Debt collection

My credit reporting agency notified me that this company had placed this collection on my credit report. I asked for proof of the debt, and they threatened me, so I paid the debt to remove it from my credit report and restore my credit health. However, they did not remove this from my credit report.
Product: Mortgage

I have been advised by the Office of the Comptroller of the Currency that they sent my complaint to you. Case # XXXX / Bank of America. I 'm checking to make sure you received it, because there is more to add to it. 
Thank you, XXXX XXXX
Product: Debt collection

This debt collector, McCalla Raymer Liebert Pierce, LLP, is attempting to ( 1 ) steal excess proceeds following the foreclosure sale of my primary residence as attorneys fees, ( 2 ) erroneously pay alleged personal debts to entities they do not represent, and ( 3 ) require a waiver of my legal rights to receive the funds. The firm acted as counsel for the mortgage holder in the foreclosure. They failed to respond to numerous communications seeking documentation on the sale, an accounting of the proceeds, including how the amount due mortgage holder. Furthermore, among the funds to be collected by the mortgage holder, were {$4000.00} in foreclosure attorneys fees. Yet, the firm attempts to deduct an additional XXXX XXXX dollars in attorneys from the proceeds due borrower. Additionally, the firm seeks to pay an alleged personal debt out of the proceeds which it lacks the right to do. In short, of the ~ {$17000.00} it states is the amount of excess funds, this debt collector claims it and other entities that it does not represent are due ~ {$13000.00}. Finally, the firm is forcing me to sign a Hold Harmless Agreement which seeks to waive my rights to challenge the calculations or seek other judicial relief in order to receive the funds.
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 XXXXXX/XX/XXXX
Product: Debt collection

Without my permission, TransWorld Systems Inc sent letter to my address regarding alleged debt of {$80.00} to XXXX XXXX XXXX. Per 15 USC 1602 ( L ) this debt was paid and the purchaser of the new debt is the rightful owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX agreed to the settled amount in exchange after paid as agreed would delete from credit report as pay for delete. Reporting inaccurate information and did not hold their agreement to delete. XXXX XXXX  can not report accuracy when they can not provide this account is mines. I have asked time and time again provide documentation that I open this account. If you can not provide documentation of the info provide above how can you report info from a creditor on a consumer this is not fair reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX   XXXX XXXX, DEPT OF EDUCATION/XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted with CFPB before about my issue, case # XXXX on a XXXX XXXX  ending XXXX. 

first they withdraw a money that I already paid ( {$73.00} ) I tried a lot to fix this with them but with no result. 

then I contacted with cFpb, XXXX XXXX XXXX XXXX emailed XXXX last XX/XX/2021, to admit this problem and they pledged to pay XXXX my money in a check within XXXX weeks. 

after couples of weeks of this date, I never received any checks, I tried to call the number they provided in the email to issue that but no body answer every time. 

I gave up to wait or contact them Thank you XXXX
Product: Credit card

Had an existing account with Well Fargo Bank with minimum payment of {$190.00} and interest rate of 7.90 %. Made a new charge on XX/XX/XXXX of {$1200.00} with 0 % interest if paid in 12 months. New minimum went to {$240.00}. Was advised that new minimum payment would not satisfy new 0 % rate so I would need to pay more to satisfy the amount. Wells Fargo stated : '' We apply any payment amounts in excess of minimum payment first to balances with no interest if paid in full during the 2 billing cycles immediately preceding expiration ( XX/XX/XXXX ). I paid an additional {$1500.00} during that period, above the {$190.00} min payment due on original debt. I am now being told that not only is there still a balance on the {$1200.00} still owing but the interest rate is at 28.99 %!!! I feel this is unfair to me as a consumer and I even called during the payment period to ask Wells Fargo and XXXX XXXX how to pay to make sure I got the 0 % paid off and was told to just pay extra. I feel I was deceived and this has cost me double what I owe. I am a XXXX  citizen on a fixed income and this has greatly impacted my finances!/
Product: Debt collection

I am receiving calls at my work phone # from Southwest Credit, for someone I do not know. The phone calls are all from Southwest Credit and are intended for someone else. However, I am not this person. I would like these phone calls to stop and I prefer not to have to spend a lot of my workday doing this. Currently I receive approximately XXXX calls per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX XXXX XXXX XXXX heir ( XXXX XXXX XXXX XXXX XXXX XXXX ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( XXXX ) the principle amount of such obligation is stated in the obligation and ( XXXX ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose. 

House Joint Resolution 192!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXXXXXX XXXX 
Thank you.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/22 I contacted XXXX over the phone they said I would receive a call back. I was then contacted by a scammer who claimed they were calling from XXXX. The person over the phone promoted me to download an app so they could help me with the issue I was calling about. After I downloaded the app the caller proceeded to hack my venmo account and send {$300.00} to themselves. Then they hung up before I even realized what was happening. I immediately deleted the app and change all my passwords. I was so shocked I realized I had been hacked/scammed. So I immediately contacted venmo and my bank and filed the dispute. I was told by venmo that I authorized the transaction so there is nothing they can do. This is ridiculous because I definitely did not authorize the transaction and I did not receive anything from that transaction
Product: Mortgage

Our loan was transfered from XXXX XXXX XXXX XXXX to SN Servicing Corporation officially XX/XX/23. We received notice from XXXX on XX/XX/23. However we didn't receive notice from SN Servicing until XX/XX/23, almost a full month past the official transfer date. I had to call them XX/XX/23 to find out the loan number and the mortgage amount to be payed. As of now they still haven't sent a mortgage statement. This loan was transfered at the end of a XXXX XXXX bankruptcy and we'd like to make sure all the financial data is correct. But we are unable to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

XX/XX/2019 XXXX I disputed this account stating I have no knowledge of this account and they sent a letter trying to get me to pay 10 % off
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXXXXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX Account Number : XXXX This account has never been verified, I dont recall having late payment on this specific account the Status Shown as Inaccurate it shouldnt be Derogatory it was reporting inaccurate information please update the billing error update as agreed Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX XXXX Account Number : XXXX I dont recall being late on this account. Please verify all information is XXXX percent true accurate and correct and is not untimely unverifiable incomplete or inaccurate. Provide proof of last payment otherwise remove the late from this account. 

I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately I did not authorize these inquiries please remove this from my credit report XXXX  Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX, NY XXXX XXXX following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX NY 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 highlight significant issues with the platform. Despite using Zelle numerous times and reporting the discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering Lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers 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: Credit reporting, credit repair services, or other personal consumer reports

I am able to access my credit report through XXXX and XXXX but receive an " error code NH '' with Equifax. I was first alerted to this issue in XXXX when I applied for a federal loan forgiveness program ( {$50000.00} of loan forgiveness for working in an XXXX XXXX ) and was denied because the application committee was unable to access my credit score. I called several times at the end of XXXX but I was not helped because my identity could not be verified. I faxed in my identity information to Equifax and followed up but the issue was never resolved. 
In early XXXX, I was unable to open an account for electricity in a new county I moved to because the county was also unable to verify my credit score through Equifax. 
In XXXX, I again faxed my identity information ( drivers license, SS card, etc ) and Equifax was unable to confirm my fax or resolve the issue. 
In XX/XX/XXXX, I was denied a car loan through a large car company financial department because they could not verify my credit score through Equifax. I sent a direct message via XXXX to Equifax ( I had read that others had found this helpful ). Equifax said someone from their Executive Resolutions Team would reach out but they never did. I sent several follow up messages through XXXX and they stopped responding. I XXXX  Equifax in XX/XX/XXXX and they again told me to direct message them with the same information that I had provided in XXXX. 
I'm recently married and hoping to purchase a home soon to start a family. Unfortunately, I'm afraid I will again be denied a loan and this will also impact my partner as we're married now.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Deletion of Inaccurate Account Information Within 30 Days : I am writing to demand the immediate deletion of inaccurate account information from my credit reports held by TransUnion and XXXX. The account associated with XXXX is currently being inaccurately reported, as outlined below : 1. The account numbers provided on my TransUnion ( XXXX ) and XXXX ( XXXX ) reports do not correspond to the original loan documents ( XXXX ) I possess. 
2. The reported balance of {$630.00} on both my TransUnion and XXXX credit reports is blatantly incorrect and does not align with my payment history or the actual purchase amount of {$450.00}. 
3. The inaccuracies in my credit reports are compounded by the fact that my last payment of {$140.00} made on XXXX XX/XX/2024, was never deducted from my original balance of {$450.00}. This discrepancy further highlights the inaccuracies in the reported balance and payment history associated with the XXXX account . 
Despite previous disputes with TransUnion, XXXX, and XXXX , the inaccuracies in this account were negligently verified without proper investigation. This negligence in verifying the inaccuracies is grounds for immediate deletion of the erroneous information in accordance with law. Their negligence in conducting a thorough and lawful investigation further exacerbates the violations of my rights. 
The inaccurate reporting of this information is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. The discrepancies in the reported account numbers, balance, and payment history not only violate my rights under the Fair Credit Reporting Act ( FCRA ) but also raise concerns regarding compliance with Truth in Lending Act ( TILA ) regulations. 
I demand immediate action to rectify this situation. The reporting inaccuracies directly contravene the following FCRA and TILA provisions : - Section 611 of the FCRA, mandating consumer reporting agencies to furnish accurate and complete information. 
- Section 623 of the FCRA, specifying the procedures for disputing and correcting inaccurate information with consumer reporting agencies. 
- Failure to provide accurate and complete account information as required by TILA regulations. 
- Misreporting of account numbers, balances, and payment history, which directly contravenes TILA 's provisions for accurate disclosure of loan terms and transactions. 
- Negligence in properly documenting and reflecting payment history, leading to incorrect reporting of outstanding balances. 
- Failure to ensure the accuracy and integrity of credit reporting information, a fundamental requirement under TILA to protect consumers ' rights and financial well-being.