23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is XXXX XXXX, I filed an arbitration against DNF Associates LLC., however, I have received a notice from the XXXX XXXX XXXX XXXX informing me that DNF Associates LLC. , failed to comply with the XXXX policies regarding consumer claims, out of compliance and therefore XXXX can not process any arbitrations with DNF Associates LLC XXXX This means they are not only in breach of contract with me but with every other account, DNF Associates LLC is servicing. I am requesting the Consumer Financial Protection Bureau launch a class action against DNF Associates LLC, on behalf of all other consumers. This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting
Product: Debt collection

I was checking my three credit bureaus reports on XX/XX/2018 and noticed a tradeline unknown to me listed as collections. Company : DIVERSIFIED CONSULTANTS , INC . 
To challenge the reporting and compliance on listed account that is being reported on my credit report with incorrect/missing info. Data that appears on terminal screens to credit bureaus centre and collection agencies operators may have masking dynamically applied based on user security permissions. Not based on consumer reporting.This improper procedure is highly damaging to any consumer. Also I am very litigious in small claims court and forwarding today in contacting DEPARTMENT OF BANKING to investigate DIVERSIFIED CONSULTANTS , INC . for FDCPA, FCPA also FCRA.
Product: Mortgage

LoanCare acquired our mortgage on XX/XX/XXXX. On or about XX/XX/XXXX we called LoanCare to do an escrow analysis regarding our property tax. We are being billed {$4200.00} for property tax when its actually {$2400.00}. I sent in all documentation and followed up 2 weeks later and was told being processed. Periodically checked in and still told being processed. 
On XX/XX/XXXX called an spoke with XXXX- he told be home not fully assessed and wont be until XX/XX/XXXX. We have been in our home since XX/XX/XXXX which is well over the one year mark. So I asked how to delete my escrow for property tax. He explained and I submitted my escrow cancellation for property tax via their web page. 
On XX/XX/XXXX called and spoke with XXXX. He told me his system showed still being processed to call Monday XX/XX/XXXX. 
On XXXX I called, didn't document name, and he walked me through again processing the escrow cancellation via web page. Second submission. 
Called XX/XX/XXXX spoke with a woman who told me I can't cancel my escrow because I have an FHA loan. I asked her to please verity as I'm pretty sure its a conventional loan. She put me on hold, came back on line and hung up on me. 
Called back and spoke with XXXX and stated still being processed so I submitted once again to be safe. Third request. 
I have since submitted 4 more online requests to cancel escrow for property tax. 
Called today XX/XX/XXXX and spoke with XXXX. He told be there are " NO PENDING REQUESTS TO CANCEL ESCROW ''. The only thing he is showing is my original request for escrow analysis from XX/XX/XXXX. Asked for the corporate office of MissionServicing Residential phone number, was put on hold. When he came back on line said he can't find that information to try with their office first. I declined as I have been patiently waiting and lied to for far to long to get this small matter resolved.
Product: Student loan

I was completely in the dark about why my loan forgiveness was denied multiple times. I spoke to numerous customer service reps at Navient who kept telling me something about a loan before XX/XX/XXXXwas consolidated and not paid off. I was never told by any reps of the steps that I needed to do to be able to receive loan forgiveness. I was never told not to consolidate the loan from before XX/XX/XXXXin order to qualify for the forgiveness. Now, over XXXX payments later, I found out that I had to move my loans to another servicer and start from payment number 1 again. Navient told me nothing! They made an insane amount of money off of me which cost me another 10 years of my life paying off loans that should have already been forgiven.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Delay Due to Billing Error : I was not notified of the correct payment amount, as the statement issued by XXXX contained an error. This resulted in a delayed payment, which should not have been reported as late since I resolved the issue promptly after receiving the correct billing information. 
No Late Payment Notification : I was not provided with any notice from XXXX XXXX regarding an impending late payment. Under the Fair Credit Reporting Act ( FCRA ), I should have been notified before any negative information was reported to the credit bureaus, which did not happen in this case. 
Evidence Provided : I have attached my payment history and bank statements, showing that I made all payments once the correct billing information was provided. This clearly demonstrates that the late payment was due to a billing discrepancy and not negligence on my part. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Agency ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 
Please block and delete the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple times in one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$330.00} XX/XX/XXXX {$76.00} {$56.00} Diversified Consultants XX/XX/XXXX {$440.00}
Product: Debt collection

On XX/XX/2019 GLA filed a collection debt of {$130.00} on 3 of my Credit Reports with out any written notice or communication of any Sort. I dont know who this company is but there tactics are bad. The Company they are reporting for said XXXX  XXXX and I dont have a debt with them.
Product: Credit reporting

On my Equifax Credit File : my XXXX XXXX XXXX XXXX Credit Card and XXXX XXXX XXXX Credit Card are reporting the incorrect : Date Opened. I opened both of these accounts on XX/XX/2016.They both have Date Opened dates of XXXX/XXXX/16. I have disputed this error three times with them and still know resolution. Please contact Equifax and have my Credit File updated correctly.
Product: Mortgage

Underwent Foreclosure process back in XX/XX/XXXX and got a Loan modification under the Act 91, but due to other debt obligations ended up having to file Bankruptcy. During this course of Bankruptcy recently was discharged and I recently contacted DiTech ( partner with Green Tree Servicing LLC )  to request No Doc Loan Modification ( XX/XX/XXXX ) to enter into a new mortgage agreement and continuing paying in a timely fashion. But after continuing to contact them on a weekly/bi-weekly basis ... no one can provide details on my Loan Mod status ( called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). In the interim, I received Foreclosure papers in the mail that a Civil Compliant - Mortgage Foreclosure was filed by XXXX XXXX, Counsel ( XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ) for Green Tree Servicing XXXX on XX/XX/XXXX ... which had the same exact documents filed from the original XX/XX/XXXX filing. 

They ignored my intention to undergo a Loan Modification and/or at least file with updated documents from current Loan and payments made ( from XX/XX/XXXX thru XX/XX/XXXX ).  Being in a much better position than in XX/XX/XXXX ( financial status and mindset ), and having made payments consistently through the Bankruptcy court system ... you'd think that they would prefer to re-enter into a new agreement, sale the loan and keep it moving ... instead of inducing all extra cost of filing for Foreclosure all over again. 

I am distraught, and all I am trying to do is regain a foot hold on my mortgage obligation and re-establish
Product: Credit reporting, credit repair services, or other personal consumer reports

i have asked Experian and XXXX to remove the following unauthorized inquiries as they are not correct and I have not given permission for such inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove all of these unauthorized inquiries immediately
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

There is a mortgage listed through Ditech # XXXX which should not be listed as profit and loss and that I owe. The home burned down and insurance coverage was on this home which paid. This needs to be removed it is false
Product: Mortgage

I have an FHA mortgage loan. I had a loan modification. I purchased the home in XX/XX/XXXX and I did speak with FHA and they said that I did qualify for the lender to remove the MIP. The requirements were : Can not be late within a 12 month period and the loan must be at 78 % and I am at 75 % and I have not been late. They are refusing to remove the MIP and want to leave it on until XX/XX/XXXX. I have written in with request and have been denied and do not feel it is fair. I am begging for them to stop this MIP.
Product: Debt collection

I discontinued service with XXXX and they pressured me into holding onto their equipment for no-charge. I told them I 'd consider service again at some point, but I was already under contract with XXXX. They called me constantly about their " deals ''. I repeated numerous times that I would consider their service again once I was out of contract with XXXX and they stated they would n't charge me anything for the equipment. I told them I would immediately send the equipment back if I would be charged any kind of fees. This went on for months without a problem. They assured me that I would n't be charged. Then I started getting miniature charges of {$6.00} here or there. I told them I would send the equipment back and they kept billing me for " maintenance '' fees on the account even though I was no longer under contract for TV service. Apparently there 's a debt of {$21.00} for needing to " service '' my account even though I did n't have TV service with them anymore. I owe them nothing, but they have turned it over to a collection agency called Stellar Recovery Inc .
Product: Credit card or prepaid card

I sent a Goodwill letter to Capital One explaining the severe financial hardship that I experienced which resulted in late and missed payments.  At the time of the late payments, I was going through very serious financial issues.  I have a young child, a full-time job, was in school, and my husband and I were going through difficulties.  To be honest, we still are.  A lot of the difficulties stem from financial hardships.  I say that not to justify why the payments were late because honestly, I was wrong and I know that I was wrong.  However, I would like to show that the late payments are not a good indicator of my actual credit worthiness.  Capital One refused to remove the late payments despite my exceptional credit prior to the hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED 2 ACCOUNTS ON MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX, IT SHOWS TWICE ON MY CREDIT REPORT FOR TWO DIFFRENT AMOUNTS. THESE ARE NOT MY ACCOUNTS AND THIS COMPANY CAN'Y VERIFY MY SOCIAL OR NO OTHER INFORMATION AND TOLD ME I WOULD HAVE TO DISPUTE THIS WITH THE CREDIT BEREAU, THESE 2 ITEMS WAS DELETED FROM ALL OF THE CREDIT BUREUS EXCEPT EQUIFAX, I ASK THEM TO SEND ME VERIFICATION OF THESE 2 ACCOUNTS AND THEY HAVE NOT SENT ME ANY VERIFICATION OF THESE ACCOUNTS AND HOW THEY WERE VERIFIED, IT HAS BEEN OVER 30 DAYS AND DISPUTED TWICE AND ALL THEY SENT ME WAS AN UPDATED CREDIT REPORT SAYING IT 'S BEEN VERIFIED WITH NO ADDITIONAL INFORMATION. THESE 2 ACCOUNTS NEED TO BE DELETED FROM EQUIFAX, THEY WERE ALREADY DELETED FROM XXXX AND XXXX.
Product: Debt collection

My identity was stolen on XX/XX/XXXX. I was unaware of it until I saw it on my credit and disputed it around XX/XX/XXXX. I was called regarding it from the collection agency and reported that it was open fraudulently and told them over and over again and they said they were going to take care of it. It came off my credit around XX/XX/XXXX. I never saw it on my credit. five years later XX/XX/XXXX of XXXX they reopened it on XX/XX/XXXX. They are now continuing to call me, They are harassing my family. They have repeated my Social Security back to me over the phone and threatened to track me down and told me that I needed to appear in court in a state Ive never been. I have not received paperwork. They told me that they ran my credit, it is NOT accurate. I have disputed it over 10 times. I proof of when it was opened and when they reopened it five years later. and the date that I have disputed it in XXXX. I dont feel comfortable with the situation. I am a victim of identity theft. this was disputed five years ago.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Identity Theft and Credit Reporting Issues Dear Sir/Madam, I am writing to file a formal complaint regarding an ongoing issue of identity theft and credit reporting problems that I have been experiencing with XXXX XXXX XXXX  XXXX Despite my repeated attempts to resolve this matter, I have not received a satisfactory response or resolution from the XXXX XXXX XXXX XXXX, which has greatly affected my personal and business life. 

On XXXX I discovered that my personal information had been compromised, leading to unauthorized inquiries on my credit report. I immediately contacted XXXX XXXXXXXX XXXX XXXX XXXX XXXX  to report the identity theft and request the removal of the inquiries from my credit report. However, despite numerous attempts and over six months of back-and-forth communication, the matter remains unresolved. 

I have provided all the necessary documentation and evidence to support my claim, including police reports, identity theft affidavits, and correspondence with both XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have demanded the removal of these unauthorized inquiries and requested compensation for the significant harm caused to my creditworthiness, as well as the pain and suffering endured throughout this ordeal. 

Despite acknowledging their responsibility for the inquiries, both XXXX XXXXXXXX XXXX XXXX XXXX XXXX have failed to take appropriate action. Their lack of responsiveness and failure to rectify the situation has had severe consequences for me personally and professionally. As a result of this unresolved issue, I have been denied credit opportunities, faced difficulties in securing loans, and experienced significant distress and inconvenience. 

I am submitting this complaint to the Consumer Financial Protection Bureau in the hope that you can intervene on my behalf and ensure a fair and prompt resolution to this matter. I kindly request that you investigate this case thoroughly, hold XXXXXXXX XXXX XXXX  accountable for their negligence, and help me secure the removal of these unauthorized inquiries from my credit report. 

Furthermore, I seek compensation for the damages caused, including financial losses, emotional distress, and the time and effort expended in attempting to resolve this issue. I believe it is imperative that XXXX XXXXXXXX XXXX XXXX XXXX XXXX  understand the gravity of their actions and the impact they have had on my life. 

Please find attached copies of all relevant documentation, including correspondence with XXXX XXXXXXXX XXXX XXXX XXXX XXXX, identity theft reports, and any other supporting evidence. I trust that the CFPB will handle this complaint with the utmost seriousness and act in the interest of justice and consumer protection. 

I appreciate your attention to this matter and look forward to a prompt resolution. If you require any additional information or have any questions, please do not hesitate to contact me at the provided contact information. 

Thank you for your assistance in this urgent matter.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I received a text from someone that had a property to show me. I had entered my phone number on all these rental websites that I really do not know how he git my number. I went to the property he told me. Has to be verified through XXXX to get the access code to enter the property which I Did. Looked at the property he was on the phone with me. We agreed and sent him {$1000.00} for deposit and {$1100.00} for the rent so I can live there. Later on, he sent me the contract. It was misspelled, unprofessional and had a whole different address. I no longer wanted that property because well thats when I realized I had been scammed. He didnt answer my calls, told me he got pulled over. Disputed with my bank, told the officers, but closed case. Because They say its my fault and how do they know Im telling the truth. I got the deeds to the house from my local court house and his name is nowhere to be found.
Product: Checking or savings account

I opened a Capital One XXXX XXXX XXXX XXXX XXXX under the impression that the interest rate would be 4.35 %. My account was then renamed as a XXXX Savings account at a lower interest rate, in which I was not informed. I was deceived by this misinformation and was not informed of the complete drop in interest percent. I closed one of the accounts simply for the low amount of interest I was receiving on it. I would like to be reimbursed for the missed interest.
Product: Money transfer, virtual currency, or money service

*I am writing to formally express my concerns regarding Zelle 's handling of 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 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 and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX, CA XXXX PHONE XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROL or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Mortgage

I signed contracts on XXXX modified loans with OCWEN loan servicing. After months of paying my payment they said I was not paying the correct amount and my payments were more than what was stated in the contract. I tried to work this out with them for almost a year. I worked with there reseach dept and made call after call with always the same result. I was told the person I need to speak to is not here but would call me back of which never happened. I sent them copies of my contract and continued to pay my payment up until they stop excepting my payment. I recently lost XXXX of my homes and will soon lose the other.
Product: Vehicle loan or lease

XXXX XXXX has agreed to buy back! I demand you remove this account from all 3 bureaus while I take bike to dealer.