23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I paid off my mortgage in full on XX/XX/XXXX. The bank stated I would received the funds in my escrow account in 15 days. Today is XX/XX/XXXX, 15 days later and I have not received any funds. In fact the bank had not even begun the processing the return of the escrow funds until after I reminded them. Bank continues to discriminate against me by giving me a hard time at every turn, failing to abide by what they promise and not caring at all when repeated mistakes occur.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

ALLY FINANCIAL XXXX Balance {$8700.00} DISCOVER BANK XXXX Balance {$240.00}
Product: Money transfer, virtual currency, or money service

I am writing to express my concern and dissatisfaction regarding the handling of discrepancies involving Zelle transactions through my financial institution. Despite raising legitimate claims about lost funds, my financial institution failed to adequately investigate the matter. They informed me that discovering the lost funds would be impossible and that tracking the funds was unfeasible.

Furthermore, a review by the CFPB company has revealed that Zelle has not only failed to uphold its responsibility to protect consumers but has also allowed repeat offenders to exploit its platform. This lack of accountability by both Zelle and my financial institution has left me financially vulnerable and with no clear path to recovery.
Product: Mortgage

XX/XX/12 a XXXX ( IRS form ) was issued to me for a HELOC / 2nd mortgage dated XXXX from XXXX California. 
Ditech aquired my loan approx. XXXX Ditech hired XXXX XXXX Co XXXX to collect on the canceled debt. 
I have spoken to Ditech several times over the years. My tax account has contacted Ditech, explained the 1099-C IRS form to them. Can not collect on a written of debt.

Shellpoint will not release a lien on my property. I have sent copies of all the account transfers to Shellpoint.

They are stating the account number on the 1099-C do not match the account number they have on file. The original account has been transfered to various companies 3 times. I have given this information to Ditech. Now I am trying to refi my home and they want the original amount paid. At this time I am unable to refi do to the illegal lien. 
The debt was written off XXXX- still to this date Ditech is demanding payment.

The statue of collection has expired. Shellpoint has gone as far as to say I have had 2 HELOC 's
Product: Checking or savings account

My account was put on hold due to a check I deposited on my account on XX/XX/year>. It was under my dads name and was payed to the order of me. The bank put my account on hold and told me that they need to verify my dads name matches a phone number provided. I provided the phone number and they told me that the number doesnt pop up under his name. We then made my dad his own account separately under his name and they still say they cant verify and that his phone number doesnt show under his name on public records. They closed my account on XX/XX/year>. They also say that thats the only way they can release the funds to me is once they verify the phone number. I have seen complaints about the same issue happening to many many more Chase customers and how they bank until this day havent released their funds to them. Does Chase just keep the money?!
Product: Debt collection

Portfolio Recovery Associates changed the AGE DATE of ( 2 ) debts appearing on my credit reports to XXXX and XXXX from original dates of XXXX and XXXX, respectively, knowing both were currently OUTSIDE THE STATUTE OF LIMITATIONS since appearing on my report in XXXX. The agency known as Portfolio RC at that time originally reported his dept to XXXX, XXXX  and XXXX. I have disputed these numerous times through XXXX  XXXX, each of the credit reporting agencies separately in writing and electronically, yet this agency has FAILED TO PROVIDE DOCUMENTATION about these debts, refuse to adjust the age date AND CONTINUE TO CHANGE THE DATE OF COLLECTION. They have recently changed the age date from XX/XX/XXXX to XX/XX/XXXX on one of these accounts that they refuse to have removed from my credit reports! I have not contacted them directly in any way prior to XXXX because when I do they reset the clock on the age date of the accounts. Additionally they have threatened me, used foul and abusive language and deceived me into believing they can garnish any of my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent Equifax several letters stating that there are inquiries on my credit report that were not authorized by me and they are still reporting. i have asked Equifax to provide me with proof that i authorized these creditors to inquire my credit. the following are : 1.XXXX- XX/XX/2019 2. XXXX- XX/XX/2019
Product: Debt collection

I owed a debt of {$110.00} from XXXX XXXX XXXX ( as per XX/XX/XXXX statement ) that I paid off in XX/XX/XXXX. I spoke with a representative from the company who processed my payment and sent me an email at XXXX with confirmed payment/receipt. I received one or two calls from the debt collection agency Receivable Collection Services , LLC ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) stating that I owed the debt. I then called the PT company once more to confirm that the payment was made and they stated that they will escalate to management because it was still coming up. Receivable Collection Services then called me again and left a voicemail and I called them back. 

I called the office on XX/XX/XXXX at XXXX ( and spoke until XXXX ) to a debt collector named XXXX. I explained that the debt was already paid. She confirmed after looking through her records that, in verbatim, the " collection agency has received the payment of {$110.00} and will be posted and closed today. '' However, I received another called on XX/XX/XXXX at XXXX from a debt collector named XXXX who left a voicenote stating that he is calling to collect a debt. I called back at XXXX and spoke with him until XXXX. Similarly, he confirmed that after looking through records that the debt was already paid and that he is unsure why it is still showing up. He stated that he " will escalate to management and get it sorted out with XXXX XXXX XXXX ''. I stated that I can send the receipt from the company I owed as needed, and also asked if I can be provided with a confirmation email. XXXX stated that, " he can not send an email but will send a follow up call regarding the status ''. 

It is XX/XX/XXXX and I have not heard from the collection agency. However, I received a letter in the mail dated XX/XX/XXXX from XXXX XXXX, the Director from the agency, stating that the debt still continued to be owed. This has led me to file a complaint due to the lack of communication between the company and debt agency in resolving this case, after speaking with two debt collectors who confirmed the payment was made, and also having a paid confirmation receipt/letter.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM WRITING TO UPDATE/CORRECT MY PERSONAL INFORMATION ON FILE WITH YOUR COMPANY. 
PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY NAME TO : XXXX XXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRECT DATE OF BIRTH : XXXX XXXX MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. 


SINCERELY, XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 someone transferred XXXX dollars from a new USAA checking account to an old USAA checking account. The XXXX XXXX transfer was unauthorized. I created a new USAA checking account after a so-called " spoof '' attempt that occurred on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 XXXX attempted to collect an authorized debt by placing it on my credit report. It was contested and successfully removed. Experian however only removed it from their main Experian Report. They did not remove it from a subset report called " Experian Rent Bureau. '' A report in which most people will know nothing about or assume that its based off the main Experian report. 

Not knowing this report exists I was denied an application for a lease because of the collection. 

This caused me to lose my application fee and also caused great personal embarrassment. 

As Experian Rent Bureau is effectively part of Experian, then their 30 day window to remove the item effectively ended months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed my dept of education loan payment history several times. The dept of ed says my loan was in collections on XX/XX/2018, yet the loan was paid off and consolidated by fed loan servicing on XX/XX/2018. It's not possible for it to be in collections when the dept of ed didn't even have the loan. My credit report shows both companies servicing the same loan at the same time which isn't possible. This should be corrected or deleted.
Product: Debt collection

I got a call and voicemail from a XXXX XXXX. Called her back at XXXX xt XXXX and the phone was answered by someone else. XXXX then got on the phone and told me she was with Premier Group and that I owed money on a default loan to XXXX XXXX XXXX and needed to pay it back. She originally could not locate my number or name in her system. Then when I verbally spelled it out she said oh yeah there you are. When I asked her to send information in writing she told me to hold on and then there was music playing. Then a man got on the phone and basically told me that I was n't asking him the right questions and that if I intended to pay that I would be asking him how. When I told him that he needs to send me something in writing he told me that I had to setup a payment agreement first. When I told him I would not do anything without proof of his claims in writing he told me okay fine and hung up the phone. I have looked them
Product: Mortgage

I purchased my home at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX FL XXXX in XXXX and refinanced it spring of XXXX. The mortgage has been sold to a new servicer, Flagstar Bank. The current loan # XXXX was for {$370000.00} and I owe {$360000.00}. The last appraisal came in at {$400000.00}, but current valuations and comp 's are above {$450000.00}. As such, I contacted Flagstar to ask about removing PMI of about {$100.00} per month. They responded 4 weeks later in a letter stating that they would not consider the cancellation of PMI based on current value of the property, only through documented proof of property improvements. Doesn't this stipulation violate the Fair Lending Act? Can a lender arbitrarily force the customer to keep PMI even when the value of the home has risen significantly? Do I have any legal recourse, as this was not documented in the loan paperwork when I refinanced last year.
Product: Vehicle loan or lease

Car was repossessed and still had the high interest rate loan still owed had to file bankruptcy
Product: Mortgage

I am writing to bring to your attention a series of hard inquiries on my credit report that are not associated with any open accounts. Below are the details of these inquiries : CREDIT TECHNOLOGIES IN Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX I have not authorized these inquiries, nor do I have any open accounts or ongoing business with these companies. I request that these inquiries be investigated and removed from my credit report as they negatively impact my credit score. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

22 inquires on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX  is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to Experian. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my Experian credit history and legal actions will be taken. I have prove of what I said above about XXXX  NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

LATE PAYMENTS SHOWING XXXX DAYS LATE ON MY CREDIT REPORTS FROM XXXX DURING THE PANDEMIC. I CALLED WELLS FARGO MORTGAGE AND MADE THEM AWARE OF FINANCIAL HARDSHIP DURING THIS TIME DUE TO LOSS OF EMPLOYMENT. I WAS TOLD THAT DUE TO CARES ACT THAT THE PAYMENTS WOULD NOT BE SHOWN AS LATE. THESE ACCOUNTS HAVE ALL BEEN PAID AND THE MORTGAGE WAS SOLD/TRANSFERRED TO XXXX XXXX  SERVICES XX/XX/2021 AND HAS SINCE BEEN SOLD AND THE ACCOUNT CLOSED. PAID IN FULL. I HAVE DISPUTED WITH THE CREDIT BUREAUS AND NO CHANGE HAS BEEN MADE AND IS STOPPING ME FROM OBTAINING A NEW MORTGAGE LOAN. PLEASE CORRECT THE INNACURATE INFORMATION TO THE XXXX CREDIT BUREAUS BY REMOVING THE LATE PAYMENTS AND UPDATING TO PAID ON TIME.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report as part of my efforts to improve my credit and fulfill my financial responsibilities. Upon review, I noticed several accounts that require further clarification. I am not asserting whether they are being reported correctly or incorrectly, but I am uncertain about their accuracy. Under the Fair Credit Reporting Act ( FCRA ), I understand I have the right to dispute any information that I believe may be inaccurate. Furthermore, I came across some accounts reported in my name by entities I do not recognize, which prompted me to reach out to you for verification. Are you familiar with 15 U.S.C. Sec. 1681i ( a )? As I understand it, if you are unable to provide proof of accuracy, the law requires that these accounts be deleted. Therefore, I request that these accounts be thoroughly investigated, and if they are found to be incomplete or inaccurate, I ask that they be removed from my credit report. I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified XXXX  % or deleted : XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX  and XXXX, and a charge-off with a {$XXXX} past due balance. Please verify the payment history and charge-off status. XXXX XXXX XXXX ( Account # XXXX ) Late payments in XXXX XXXX  and a charge-off with a {$XXXX} balance and {$XXXX} past due. Please verify the accuracy of this information. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX, Account # XXXX ) XXXX  account with a {$XXXX} balance as of XX/XX/2024. Please confirm the accuracy of the collection status and details. If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. Please complete your investigation within the XXXX timeframe required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent my letter out on XX/XX/XXXX to Experian, XXXX, XXXX. Here is my tracking numbers : XXXX - XXXX - XXXX However its been more than 15 days and the credit bureaus failed to respond. 

RE : XXXX XXXX I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax took more than 30 days to investigation this report, in fact this account is still " under investigation '' 11 months later. Please update this information on my report. 

Documents are attatched.
Product: Mortgage

I co signed for my brother in law to purchase my deceased mother and father in laws house. They had a reversed mortgage on the home when when passed away. 
I personally do not live on the property. I live an hour and half away from property. I have tried to get the mortgage company NationalStar/ Mr Cooper  to understand I do not live on the property,and I have gave them my mailing address. And I get told they will not send nothing any other address except the one on file. The mortgage company some how changed my address from where I actually live to the house I co signed on.
Product: Checking or savings account

Reference previously filed complaints : XXXX XXXX Bank refuses to acknowledge the nature of the complaint : PNC can not account for location of IRA CD originally issued XX/XX/1985. Instead PNC references two other savings accounts which have nothing to do with this issue. THIS INVOLVES AN IRA CD ACCOUNT ONLY The original bank was XXXX XXXX XXXX XXXX XXXX. PNC took over the bank. PNC never followed through on the original contract. Per research with other banks it has been verified that the rules for retirement accounts are different than usual savings accounts. 
PNC uses the excuse they have no record of the account. I have the original contract in my possession. Since this is an IRA account PNC has additional rules to justify disbursement this type of account. 
Please note per the contract it automatically renews every three years if the institution does not hear from the depositor. 

My name at the time of the original contract : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Two Issues With Toyota Toyota Financial Services/Leasing with No Resolution To Date ( 3 years and counting ) 1 ) Toyota Financial Services/Leasing has in error posted 2 late pymts on my credit report XXXX & XX/XX/2019. In spkg to over 30 agents over the past 3 years, this is hurting my report. TFS/Leasing misapplied pymts to my taxes/ hov fees vs my lease pymt. According to the lease contract, I am required to have lease pymt on time to maintain pristine pymt record. I have done that. After spending hours on the phone... finally got to a rep that " researched the acct ' and found tht it is their error. They reversed the late fees on my acct and never reversed the 2 late pymts. Said tht I would have to go to the credit bureaus to dispute and they wld approve the deletions of the 2 lates. I have disputed over and over again to all 3 bureaus, and it is STILL not deleted. Im exhausted and feel completely taken advantage of.

2 ) With my lease, I have a hov pass in my car. When hov fined me for tolls I paid my hov tolls directly to hov va. Tolls posted directly to my lease account, as they post to your lease acct in the state of VA XXXX This is problematic by itself. I sent Lexus confirmation of my payment over and over again. I have spoken to over 20 agents on this alone. STILL they have not reflected my balance as {$0.00} for hov tolls ( and they have the receipts ). Lease is almost over and I dont want them to try and rob me by saying that I owe for tolls that I have paid. Help! This is my last resort for help on this account before having to secure an attorney... unnecessarily.