23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Planet Home Lending. They negatively reported to my credit report and the other borrowers credit report saying we missed a payment while we are in forbearance I started a dispute with all three credit reporting agencies regarding this on the end of XXXX, but Planet Home Lending informed the credit reporting agencies that they are not going to remove this missed payment and that the information they reported is accurate. ( letter attached. ) Planet Home lending claims that we missed a payment on XX/XX/2020 in this letter. This was false since the servicer at the time was XXXX XXXX and the letter attached shows that they never reported a missed payment for XX/XX/2020 or any other dates as I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX, Equifax and XXXX If failed to identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX, new $ XXXX HELOC with Pentagon Federal Credit Union, first lien on XXXX XXXX. HELOC rate 9.5 %, later refinanced with new 2 % first mortgage loan subject to full HELOC payoff with release. Gave PFCU written instructions to close and release HELOC. PFCUs payoff amount included {$28.00} fee to record lien release. On XX/XX/XXXX, On XX/XX/XXXX, new first mortgage loan close and loan proceeds paid out of escrow paid HELOC debt paid in full. Later learned the line was not closed, HELOC lien not released. Lawsuit pending in XXXX Hawaii between our first mortgage lender and PFCU ( Action ) over whose lien has priority. After closing, needed cash to save my other properties. Later learned PFCU line never closed. I drew funds as needed, made regular monthly payments. In XX/XX/XXXX, paid off $ XXXX balance in full. Eventually was unable to make payments. On XX/XX/XXXX, XXXX sent us its notice of the acceleration of our debt, but we was never sued. We were in contact with PFCU up to XX/XX/XXXX. Just learned on XX/XX/XXXX, PFCU filed a new claim in the Action against us on the credit line debt of {$200000.00} plus {$100000.00} in interest. We have not been served with PFCU 's debt collection claim filed in the Action. We received no prior notice we were being sued and that we can dispute the debt. It has been 13 years since PFCU accelerated the debt. PFCU is trying to collect a time barred debt. We are very stressed.
Product: Student loan

I applied for the SAVE program XX/XX/XXXX. My application was processed quickly through the studentaid.gov website but since then my application has just sat there with NO movement. It has been a month. Ive spent countless hours on hold trying to get a representative. Once I reach one, they are extremely unhelpful. I have explained that I am in the middle of purchasing a home and that I NEED documentation showing my new payment under the SAVE program. I am scheduled to close XX/XX/XXXX and this is the last piece of documentation needed to provide to my lender. I have explained the urgency of this situation and they do not seem to care. They didnt even offer to put me on an administrative forbearance while my application is processing. My payment is due the XXXX and I still have no clue what my payment will be. Not to mention, if I dont get the paperwork prior to the XXXX I will not be able to close on time and my loan may possibly not even be approved. I need this to be resolved ASAP!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in relation to the unlawful reinsertion of a charge-off account from XXXXXXXX XXXX XXXXXXXX on my credit report. This account was previously disputed and successfully removed on XX/XX/year>. However, it was reinserted without proper notification or adherence to FCRA requirements. Below are the details of my complaint : Account Information : XXXX XXXX XXXXXXXX Account Number : XXXX Violations of the FCRA : FCRA Section 611 ( a ) ( 5 ) ( B ) : Experian failed to notify me in writing within five business days of the reinsertion. 
No statement was provided that the account had been reinserted. 
Experian did not supply the furnishers contact information. 
I was not informed of my right to add a dispute statement. 

FCRA Section 623 ( a ) ( 1 ) ( A ) : Experian reported information with knowledge or reasonable grounds to believe it was inaccurate. 

FCRA Section 623 ( b ) ( 1 ) : Experian failed to conduct a proper investigation upon receiving notice of my dispute. 

FCRA Section 605B : Experian neglected to block fraudulent or unverifiable information promptly upon receiving appropriate documentation, including proof of identity and my previous dispute. 

FCRA Section 611 ( a ) ( 1 ) : Experian failed to conduct a reasonable reinvestigation of the disputed account. 

The reinsertion of this account has negatively impacted my credit standing and caused undue stress. The lack of transparency and failure to comply with the FCRA has eroded my trust in Experians reporting practices. 
I request the immediate deletion of the reinserted charge-off account from my Experian credit report. 
I urge the CFPB to take immediate action to ensure Experians compliance with the FCRA and hold them accountable for their violations. Their failure to follow the law has caused significant harm, and I trust the CFPB will address this matter promptly. 
I also want to state clearly that I am acting entirely on my own behalf in this matter and am not employing or contracting with any credit repair company. All actions taken to dispute and resolve this issue are solely my own. 

I have attached the following documents to substantiate my complaint : Copies of prior dispute correspondence. 
Confirmation of the accounts initial deletion. 
Proof of identity and address. 

Thank you for your attention to this complaint.
Product: Checking or savings account

would like a full investigation in what is taking place with my funds. I want access to my fund immediately and any fees added due to this issue- refunded. I would like the cfpb to also provide their investigation and any fines that capital one is responsible for. I normally have access to my deposit on Wednesday before Friday. It's not been more than XXXX hours and don't have access to my money to provide for my family, bills and expenses. I need this fixed as quickly as possible.
Product: Mortgage

ESCROW COMPLAINT This escrow was forced on me against my will and without my consent. I had an outstanding balance on my taxes of XXXX. I did n't know about it and as soon as the county informed me by mail, I paid it. However, I was too late. Roundpoint paid it and forced an escrow. They claim that they called my house many times. I have the phone records. THERE WERE NO CALLS. No letter was sent Once in XX/XX/XXXX there was a XXXX ( XXXX XXXX ) shortage on my taxes. They want to also claim that this " deliquency '' was another reason for the escow. They actually wasted a stamp to let me know this. I sent them a nickel in the mail since they were so concerned. 
In addition, I paid my property taxes seven months in advance ( pre-payment program ) from XX/XX/XXXX XX/XX/XXXX Roundpoint failed to acknowledge this and kept demanding escrow. They said they " the tax funds will just be rolled into the next tax installment. '' NOW THERE IS AN EXCESS IN THE ACCOUNT. They said they did an analysis, but they did NOT take the pre-payment into consideration. By law, they can not have more than XXXX USD in excess ( commonly called cushion funds ). There is an excess on the account and they will not acknowledge it. 
I have called them many times. The custumer service is very difficult to understand. I do n't think they are very informed. Please assist me with this situation. They should not be collecting tax money for taxes that were paid in advance. They had no right to force an escrow. I paid that XXXX. It was not a fatal amount. They have their little agenda to force everyone on an escrow. I was not informed correctly
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handing disputes particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raiser serious concerns about consumer safety.
Product: Credit reporting

I ordered a SS card and after 3 weeks I called the social security admin and they said that my card was ordered and mailed. I never received it. Some one is using credit to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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
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 XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) XXXX, 15 U.S.SC 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
Product: Money transfer, virtual currency, or money service

I received an email on XX/XX/XXXX that I thought was from my title company, XXXX XXXX XXXX XXXX, requesting the closing funds two days before closing on my house. The scammers had attached my exact Closing Disclosure and included the signature of my escrow processor. I believe they acquired those by hacking the title company. I had been expecting communication with the title company to send closing funds, so I took their information and sent them the funds via wire transfer from my Chase Bank checking account to the recipient account, held by a person named XXXX XXXX with XXXX  XXXX XXXX, on XX/XX/XXXX. I realized the email was fraudulent roughly one hour after initiating the transfer. I immediately notified my bank to try and stop the transfer, but it was too late. I initiated a recall at that time ( XX/XX/XXXX ). I also filed a police report with the city of XXXX, MI on XX/XX/XXXX, and filed a complaint with the FBI on XX/XX/XXXX. Chase Bank notified me on XX/XX/XXXX that they will not be taking any further steps to try and retrieve the money.
Product: Debt collection

I

was never given full disclosure in regaurds to the transaction. Speaking on disclosure I was never given a right to rescind this agreement. Violation # 1. After capital one approved my credit card aka my social security number I was entered into a consumer credit transaction. Me being the consumer, I know all transactions start with me and my credit account tied to my social security. I never came for a loan I only gave capital one permission to access my credit and they turn around and furnished deceitful forms to coerce payment which is a violation of 15 USC 1692f ( 8 ), 15 USC 1692j ( A ) FDCPA. They took my social went into my credited account as me, ( identity theft ), then turned around and tried to sell me my own credit. ( fraud ).
Product: Student loan

Nelnet has not processed my new REPAYE application within ten days and sent me a statement with accrued interest ; they state I am still on XXXX. It has taken longer than four weeks to adjudicate this request.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received {$5900.00} via PayPal from a friend. I have been a frequent user of PayPal for family remittance, goods and services, and other bill payments since XXXX. After receiving the {$5900.00}, PayPal limited my account, essentially locking my ability to do anything - I could not refund, deposit, or close my account. As of writing it has been 20 days since PayPal stated they were reviewing my account to remove the limitation. As a compliance professional, I am well versed in account reviews, onboarding ( XXXX  ), as well as enhanced reviews. I was informed that the review would take 3 days to complete after submitting my documentation showing the legitimacy of this transaction and previous ones. PayPal customer service stated the XXXX XXXX XXXX ( XXXX ), was 3 days. I requested the case be escalated several times - to no avail. PayPal stated I am unable to even close my account. I am unable to call into their customer service line, receive any useful information from their chat function, or use my account. Once this is resolved, I will never be using PayPal again and will advise friends and family to do the same. 

Thank you, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

I was utilizing the XXXX feature that my bank, CHASE, has provided ; and they CLOSED my account shortly afterwards. I received a XXXX payment of {$800.00} WITH NO PROBLEM. I then utilized the XXXX feature again to send some of the money, {$790.00}, but They blocked my account and restricted me from accessing my money. 

Keep in mind that this happened on the XXXX of XXXX, and my rent is due on the first of XXXX! How am I supposed to pay my bills when they just up and closed my account with NO EXPLANATION. I have 0 access to my money! 


They would not tell me the reason for closing my account after I asked! I have been a client of theirs for XXXX  years and they treated me like this! 

They didnt show any type of concern and treated me like I was scum at the bottom of their shoe. I NEED TO PAY MY BILLS. I am a taxpayer and I am ENTITLED to my money just as the next person! 


The lady said it will take a month for me to receive my money in check form in the mail. NOT ACCEPTABLE.
Product: Credit reporting or other personal consumer reports

Hello I have been letting Equifax, XXXX, and XXXX know that my identity was stolen on XX/XX/2023 and that these individuals stole my ID ( drivers license ), as well as my social security number as well. These individuals have been calling to verify account balances and personal information that was also stolen from me and I made all 3 credit bureaus aware. Ive also filed a formal police report and they have done nothing at all in regards to this issue. No one I have been reporting this to has taken this matter serious at all. So I am filing complaints to CFPB to try and get some type of help or resolution or guidance on what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for several years. I have at least XXXX correspondences from companies that my personal information was compromised from. There have been several accounts, address, phones number and personal statements added to my credit profile. I have tried for the past 18 months, contacting the credit reporting agencies ( experian, XXXX and XXXX ). Some items are being removed, but later reappearing. A lot of the issues still have not be removed. This has been an extremely frustrating situation. As a mother of XXXX, fighting XXXX, surviving 86 days in the XXXX  with XXXX, to have to spend so much time defending my integrity after being a victim. This has become disheartening and disappointing.
Product: Credit reporting or other personal consumer reports

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 XXXX, XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/scrub>XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In
generallf, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, XXXX and XXXX XXXX are reporting inaccurate information. My credit score should be in 700 's. A lot of finance companies on my report that I've never dealt with. Please correct this information. I want to buy a house and buy some property.
Product: Credit reporting or other personal consumer reports

I disputed this XXXX XXXX XXXX  XXXX personal account ( {$6000.00} ) with XXXX on XX/XX/year> I provided ftc report as well as formal dispute letter. this account does not belong to me and XXXX has still chosen to report this information on my credit report. Under fcra XXXX a proper investigation must occur. Not just creditor saying the account belongs to me. 
I Demand this account be removed from my report immediately! 


In the context of the Fair Credit Reporting Act ( FCRA ), a " proper investigation '' means a thorough and reasonable examination of disputed information on a consumer 's credit report by the furnisher of that information, to determine if the information is accurate and should be modified or deleted if found inaccurate ; essentially, it requires the company providing the information to actively review relevant evidence to verify its accuracy when a consumer disputes it.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I have viewed my credit report and realized there are accounts that are reporting inaccurate, nor does it belong to me. I have listed in the report below information of all accounts that were not authorized by me and need to be removed urgently. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
I noticed this problem in XX/XX/XXXX Accounts Account Name : XXXX XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$590.00} Account Name : XXXX CARD Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$1500.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$580.00} Account Name : XXXXXXXX XXXX  Account number : XXXX Account was open : XX/XX/XXXX Account Balance : {$1800.00} Hard Inquiries Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX My current home address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The addresses reported in my report are incorrect, do not belong to me and need to be removed from my credit report as soon as possible. 
Addresses Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My wife and I bought a second home in XX/XX/2018 with the intent to use it as an investment property. We were told by XXXX XXXX ( Loan officer with USAA NMLS ID XXXX, Manager : XXXX XXXX XXXX | NMLS ID XXXX ) prior to closing that we would have to pay PMI until reaching an LTV ratio of 80 %. We are very close to that 80 % point now and when we inquired with XXXX, the company that services the loan, about the process of removing PMI they stated that due to this loan being for an investment property it would instead require an LTV of 65 % for PMI removal based on XXXX XXXX 's guidelines. However prior to closing, USAA provided us with documents stating that we were taking a CONVENTIONAL loan and gave us documentation implying that PMI would be paid off much sooner. When I called XXXX XXXX to discuss this she again claimed that the loan was a conventional loan and that the LTV ratio was 80 % for PMI, in stark contradiction to what we are being told by XXXX. We have asked XXXX/USAA for documentation to support PMI terms of the loan prior to closing however they have not provided any response. Based on the documents that we were provided ( see attached disclosure ) prior to closing, USAA states we are taking out a CONVENTIONAL LOAN with PMI LTV ratio of 80 %. WE CLOSED UNDER THOSE TERMS and now we are faced with a huge financial penalty of ( thousands of dollars ) in the form of previously undisclosed PMI. While we are understanding XXXX XXXX 's policies regarding PMI for investment property, we were told something very different by USAA. We are concerned that USAA 's actions constitute a misleading, predatory practice by the loan originator to funnel customers towards loans with higher PMI. It feels like a 'bait and switch ' scam where we are quoted on set of terms only to find out later that those terms are completely false.