23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've been on a COVID-19 forbearance since XXXX. In XX/XX/XXXX I reached out to Homestar financial to let them know I'm now working but not making the same amount, I'm ready to end the FB. They sent me a no document modification which is what XXXX XXXX is offering. I didn't receive the documents until after XX/XX/XXXX and the first trial payment was due on XX/XX/XXXX and I had to accept it by XX/XX/XXXX but I didn't receive it on time. That modification was a Flex no doc mod with and interest rate of 2.875 % with payments of {$XXXX}. Those payments were perfect and affordable as my income decrease drastically. I contacted Homestar when I received the documents and the time had expired. They advised they would send new documents with updated date and nothing else would change. I waited to received the new documents but these documents were not the same. The new received has the same Flex modification but the interest rate is now 5 % and they only stretched the loan out, the payment would now be {XXXX} which I can not afford. I spoke with the account rep several times in XXXX and XXXX to get this rectified. The rep XXXX keeps calling but confusing the account with someone else forgetting what he told me he had to reach back out to the loss mitigation department to get the documents corrected or have a partial claim and modification combo. I spoke with XXXX today, XX/XX/XXXX, he again forgot what he was suppose to be doing for my loan. I reminded him, the he stated, oh I was suppose to send you a loss mitigation packet because Covid is over. I advised him XXXX is still offer the same resolve options as before since my loan was affected because of me losing my job due to COVID. He was very insensitive to the situation. He asked to speak with his manager and he refused to let me speak to anyone else. I asked him to schedule a manager or supervisor call me back and he again advised he's the only one I could speak with, I advised him he has a superior. He refused me to speak to anyone and I hung up on him and cried. I cant believe I'm being treated this way because I was affected by something out of my control. It's not my fault I didn't receive the first set of documents on time but I called as soon as I received them. I'm trying to get this fixed so I can start making afford mortgage payments. XXXX put these programs in place for a reason and I'm being denied what they're offering for there loans being serviced by your company.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times XXXX  reporting discrepancies, my financial institution XXXX  Zelle failed to investigate my claims adequately. They informed me that recovery lost funds was impossible XXXX  that tracking these transactions was unfeasible. 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 XXXX  transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

XX/XX/23 - I noticed that my credit limit on my PNC Core Credit Card was decreased from {$25000.00} to {$12000.00}. I never received an electronic notification that let me know of this decrease and they mailed me a letter which has still not arrived. I have not received the correspondence from the bank to submit with this complaint. They used information in my credit report to justify this. My credit report has a perfect payment history ( never missed a payment ), no derogatory remarks, no collections, and no other delinquencies. When I called PNC to dispute the decrease and petition to have it restored, they informed me that I could not dispute the decision for at least 6 months from the day that my limit was decreased. In my opinion, it is unjust to have to wait half a year to dispute any action that my credit card company takes against me or my accounts. It is for this reason that I am filing this complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my reports that are a result of identity theft, these items are not related to any transactions completed by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I paid the loan in full, it says so on my account and on my credit report. But it also says on my credit report that I never paid at all in a seperate section which is inaccurate. I have evidence.
Product: Credit card or prepaid card

I purchased this card from XXXX XXXX about 40 minutes ago XXXX XXXX  XXXX XXXX XXXX ms XXXX to pay cell bill and these people want let me get money off are even activate card so basically they took my hard earned cash ... I'm a single parent with XXXXchidren this is not right somebody help times are to hard
Product: Mortgage

I know it's been a minute since I filed complaint # XXXX but the only resolution offered to me by NewRez was that they retaliated against me by dragging it out for another long period of time and then they sent me a contract that they had altered without telling me- they tried to sneak an ARM interest rate into the mix rather than honor the 2.7 percent rate that they offered me. They are truly scam artists using " the old bait and switch '' as a last attempt to cheat me. This was all just a scam to keep me from taking my mortgage elsewhere. Is that even legal? 

After I filed the complaint I got a email assuring me that some higher up at NewRez would reach out to me. Never happened. And that my loan would be given priority. Never happened. I guess there were way more people to cheat than they could keep up with and harassing me was getting boring for them. Either way, they clearly don't take complaints to your organization seriously or just as an opportunity to continue to XXXX around with people. 

Like I said, I complained, they retaliated and we all moved on. They had the additional nerve to send me a notice that since I didn't sign the contract it was my fault the re-fi didn't through. Never addressed the false claims of a 2.7 rate they offered me. 

Since I have learned that mortgages with this company ( and mortgages in general ) are just a big scam, I will not bother them anymore and just walk away when I am ready to do so. They are truly the worst of the worst and I am happy to tell everyone and post that information whenever it comes up.
Product: Credit reporting or other personal consumer reports

Between XX/XX/2023 and XX/XX/2023 Trans Union has reinserted an account transaction from XXXX XXXX XXXX on my credit report. The company has failed to provide certifiable proof that the account information is accurate. 

I have first hand knowledge that I never gave XXXX XXXX XXXX nor Trans Union any authority nor written consent to furnish or report my identifying information.

The company 's actions are negligent and is causing me and my family harm.

I am exercising my rights under the FCRA to request a reasonable reinvestigation. If Trans Union can not verify that the account transaction is not inaccurate, the transaction must be promptly deleted from my credit report and file within 15 days.
Product: Debt collection

My husband has a payment arrangement worked out where comenity bank automatically deducts $ XXXX/month every month on an old debt. The payment plan was for 6 months as that was the max allowed and this was the second cycle so now payments have been made for 12 months. The last payment of {$150.00} was deducted tomorrow and today my husband and myself both received a phone call asking us to contact them immediately. I am also frustrated that every time I ask for a written statement they lie and say theyll send one and never do. I have no written confirmation of the debt to confirm the amount owed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX XXXX XXXX XXXXXXXX  to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Filled FTC report sent copies to all three reporting agencies XXXX, XXXX, Equifax XXXX is the only credit reporting agency that cleared all of the identity theft XXXX, Equifax have not even after I sent copies of the police report to them and told them the personal information other than my name and Social security number was the only correct information they still refuse to remove a false address and a false phone number that was used in a fraudulent personal loan that shows up as an evening evening contact number to be called if someone tries to access my credit and they are unable to contact me at the only contact number I have or have provided to them this number shows up as an evening contact number for me on my fraud protection alert and XXXX will not remove this number after I demanded they remove it immediately and they are also saying that several of the creditors are reporting the false name address email phone numbers etc as being being correct when they were falsely given to the creditors to obtain credit cards and loans and the two credit Bureaus in question deam them to be correct according to their investigation and they are not
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and all payments were placed on Autopay. 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 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 months that are reported late 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 XXXXXXXX XXXX XXXX XXXXXXXX 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

In XX/XX/XXXX my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, XXXX closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to XXXX in the amount of XXXX on XX/XX/XXXX. I called XXXX finance almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. XXXX reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me XXXX was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX XXXX received a payment from GAP, XXXX then forwarded me two refund checks and sent a letter stating the account was paid off. In XX/XX/XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called XXXX several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then XXXX reported negatively again.
Product: Mortgage

I have made a payment to my mortgage on XX/XX/2023 in the amount of XXXX with conf # XXXX And another payment in the amount of {$10000.00} on XX/XX/2023 via mail and well as at least 2 payments from HAF have been received. None of these payments reflect on my acct. I have called 3times since XXXX to check. Nothing. Was told it takes 7 business days to post. It is much longer now. Please help
Product: Credit reporting

I have been disputing multiple fraudulent accounts on my credit reports with XXXX, XXXX and Transunion to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate there results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed.
Product: Debt collection

To whom it my concern, the purpose of this complaint is to inform National Enterprise System XXXX # XXXX XXXX ) of my NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written notice before LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Case from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
National Enterprise System is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore you have failed to provide any transfer title of ownership on the charged off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/2017 I discovered the Equifax breech and found their response to the situation both disturbing and lacking. After initially confirming they had not secured my data and I was the victim of the breach, I refused to accept binding arbitration and continue with their 1 year of free credit monitoring. This is unacceptable, lackluster, and disgusting at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  Balance : {$270.00} XXXX XXXXXXXX Balance : {$290.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$740.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I called XXXX, XXXX, and Equifax to dispute incorrect and inaccurate personal information in my credit file, causing serious risk to the security of my personal information/identity, including my credit report ( s ) being mailed to inaccurate addresses. 

With XXXX and XXXX, I verbally confirmed my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted, with an updated copy of my credit reports mailed to my current address after corrections and/or deletions. 

With Equifax, I verbally confirmed all my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted. I also verbally verified the time it would take for the updates, was provided confirmation numbers for each item ( i.e., name, address, phone number, employer ) and requested an updated copy of my credit report mailed to my current address after corrections and/or deletions. 

Attached are documents showing the only, and 100 % correct, personal information that should be on my credit reports, with notes of corrections and/or deletions from the verbal conversation written on each. 

On XX/XX/2022, I viewed my credit reports from XXXX, XXXX, and Equifax online, and my personal information section still contains inaccurate, incomplete, and outdated personal information, putting the security of my personal information/identity at severe risk.
Product: Credit reporting or other personal consumer reports

My information with equifax has been breached here is the proof and they refuse to delete these accounts 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: Mortgage

On or about XX/XX/2021, I discovered that the bank had stated to the credit bureaus that I was a month late. After going through the online banking app I discovered that ( they ) missed a payment I made in XXXX. It was not discovered until XXXX because I always overpay. It has been six weeks that I have been dealing with them, they have found my money, they paid it to the wrong loan, who is I do not know. They stated they have requisition to get that money back. This was not my fault, this was their error, I have shown and proven to them and theyve excepted that I have made those payments. To date they have failed to credit my account, failed to Fix my credit that has gone from excellent to fair. It is stressing me out a great deal. I am very close to refinancing my house to a lower interest rate, however, this is not gon na happen now because they will not fix my credit and adjust my loan accordingly. Please help.