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

I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Account Included in Bankruptcy : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/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
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. XXXX, XXXX and Experian has been breach and they exposed my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Mortgage

I had been current and on time making payments on my home mortgagefor almost XXXX years. My home was destroyed by fire and my homeownerpolicy paid the mortgage balance in full. However, all XXXX of my creditreports show no record of my ever having a mortgage and has resulted inmy not having a credit score. It is my understanding that positive inform-mation should be reported indefinitely or at least for XXXX years. Withoutthis information on my report I can not rebuild my home or make any typeof loan. I have disputed this matter with Transunion, but their only re-sponse was that the Mortgage Company had a some kind of signedagreement giving them permission to remove the positive credit informationfrom my report. I then requested that I be provided a copy of this agreementbased on the fact such an agreement does not exists. It has been over ayear now, and nothing has been done and I have had to basically start from \scratch rebuilding my credit which has caused a severe hardship on meand my family ;
Product: Debt collection

The account was originally in collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. The account was reported as date opened XXXX and first reported on XXXX. I disputed it on XXXX/XXXXXX/XX/XXXX and the collection account was deleted from my credit report followed by a confirmation letter from the credit bureaus dated XXXX/XXXX/XX/XX/XXXX, they are Reporting old debts as new or re-aged. 
I recently noticed the account was added back but now reported by Perfection Collection and illegally reported as account opened in XXXX and first reported XXXX as well as misstating the balance due. I have done numerous disputes to XXXX and they refuse to update it and tell me contact the collection agency.
Product: Student loan

MOHELA ( account number : ) sent me an email demanding payment for my student loans and stated I could use the provided link. The link is broken. I was unable to complete payment. I also used the XXXX additional links contained in the email. None of the links work. 

I then proceeded to call MOHELA. They kept me on hold for over XXXX hours, and then hung up on me. I was unable to acquire the information I needed to pay my student loan. Because of this, interest has now accrued on my student loan. 

I also initiated student loan consolidation. MOHELA failed to comply or complete this process. I had to initiate the process on XXXX separate occasions. Because MOHELA failed to complete this process accurately, or effectively, XXXX of the missed student loans has now been sent to collections and I have a law firm harassing me during work hours. This is illegal under XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Shellpoint has changed the amount owed going back and now adding a month that was never mentioned nor was communicated within any of the emails nor verbally communication by any of the individuals that contacted us. As of Monday XX/XX/XXXX another lady called and stated that she is now going back and adding XXXX because XXXX says they can't find any proof and if we can't find any or provide any she's adding on an additional XXXX to the amount now due. This lady refused to listed to what had already been discussed and stated that none of the recordings mean anything and that she is adding back the fee 's and penalties and that we now need to pay it. She continued to over talk me stating that this is an attempt to collect an debt. They have taken payments sent in and notated them towards payments that was already paid. Example, she took the XXXX postal money order that they said they haven't received and now she is stating they have received it and applied it to an XX/XX/XXXX payment that we already made and wasn't in question. I'm trying to understand how she is stating that we didn't make XXXX but she has XXXX this makes no since. Not only that, All communication was in regards to when Shellpoint took over which is according to them was XX/XX/XXXX how are we now saying XXXX when this was resolved by XXXX now Shellpoint is stating we contacted them and they said add XXXX. 

What rights do we have to choose a mortgage lender and how do you file an class action law suite and go higher with a complaint because this company is just as messy and unprofessional as XXXX and it's just the matter of time before they are filing bankruptcy as well and once again it's the customers suffering. These people are scamming hard working citizens and it needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

A investigation was stared on XX/XX/XXXX for me to receive proper documentation of proof that I XXXX XXXX XXXX XX/XX/XXXX XXXX last XXXX XXXX XXXX XXXX XXXX XXXX IL Account open date XX/XX/XXXX have a account with : XXXXXXXX XXXX Acct # XXXX No such account was open. 
It is now XX/XX/XXXX and proof of documentation has been provided to me within the 30 days.Please remove this item from my Credit Report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Accounts Due to Inaccuracies FCRA Section 605B Dear XXXX, I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing my Principal Mortgage Balance that XXXX XXXX XXXX is reporting. There are three issues in question. 
First Issue : XX/XX/XXXX I received an alert from Experian Credit Bureau that XXXX XXXX reported a Balance Increase XXXX XXXX, to {$280000.00}, the previous balance was {$280000.00}. 
Second Issue : XXXX, XXXX, XXXX XXXX XXXX XXXX - XXXX Mortgage Interest Statement stated the Outstanding Mortgage Principal was {$280000.00} - Principal applied {$2700.00} bringing the balance to {$280000.00} ending Balance. 
Third Issue : XX/XX/XXXX Mortgage Statement reports the Principal Balance to be {$280000.00} with Principal & Interest & Escrow total Amount Due {$1000.00}. 
XXXX I received a letter from XXXX XXXX XXXX and learned that XXXX XXXX XXXX transferred my mortgage to XXXX XXXX XXXX. XXXX XXXX XXXX  is reporting a negative escrow shortage of {$200.00} I want a full accounting detail to explain the mortgage increase that XXXX XXXX XXXX reported to Experian Credit Bureau. I want an full accounting detail to explain the Principal & Interest & Escrow Shortage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on XXXX  XXXX XXXX  XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized 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 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
Product: Mortgage

I have submitted to my lender an application to prevent losing my house since XXXX XXXX the lender keeps asking for documents it does not need to make its review in order to make it impossible to apply for mortgage assistance and pursue their goal of foreclosing on my home. They are asking 22 documents including my mom 's who passed away already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in XXXX, and my loans are in deferment status. The interest is being reported every month on my credit report and impacting my score as not paid. Due to my loans being in deferment I am not allowed to pay anything on my loans but my credit score continues to be negatively impacted by the interest rate being increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to request to the Credit Bureaus remove the remaining fraudulent accounts that are still reporting on my Credit file. I greatly appreciate the Credit Bureaus immediate action to have some of the disputed accounts immediately removed from my Credit File but there are still accounts that should also be removed from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to immediately remove any accounts and information that resulted due to identity theft. Also, if the Credit Bureaus would claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or any documents bearing my signature to support the Credit Bureaus claims. Once again, I am looking forward for the immediate removal of the following accounts that are still reporting on my Credit File : XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/2016 XXXX  XXXX Balance : {$120.00} Date Opened : XX/XX/2016 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00}
Product: Mortgage

Good morning CFPB- I first want to congratulation CFPB for your good work. I am not the only one under attack. We need  Congress  to come to your assistance!  <P/> In  XXXX  I lost my   XXXX   XXXX   due to the economic downturn, which also dried up my   XXXX   XXXX   XXXX   XXXX  . My home loan was with   XXXX   XXXX   XXXX  , and they could have exercised one of  4 options : 1.  Putting the missed payments/penalties on the back end.  2.  Interest only with a balloon. 3. Conversion a  40 yr loan to a 50  yr. loan. 4. Complete write off. These are options applied to other customers but not to me.   I hired a lawyer from  XXXX  to act on my behalf, the result being  XXXX  slapped a sale date for  XX/XX/XXXX , and passed me off to  Shellpoint  Mortgage. In the  2  weeks I have been with Shellpoint they have switched the ( required  ) s ingle point of contact representatives 3 times, I have never been able to speak to any of them, and they do not answer their phone. And on  2  occasions, when I called into the general phone number, both times the call was disconnected mid -conversation. Starting yesterday, I faxed in the required docs, and all  3  fax lines were busy. This is a deliberate tactic to let the clock run out until the auction date   XXXX   XXXX  .   Further, the California  Bill of Rights for Homeowners  requires that a bank can not practice " dual tracking. ''  XXXX  did not abide to this rule and Shellpoint is showing signs of doing the same thing. My attorney at the time requested a 90 day suspension from this sale date but  Shellpoint  has not responded to his letter nor have they returned his calls.   Another issue is that homeowners have the legal right to access their investor.  XXXX  and Shellpoint both name   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  denies being the investor. Here is the language :   XXXX   XXXX   XXXX   XXXX   XXXX   as Trustee for the Certificate Holders of the  XXXX   XXXX . The pre-recorded phone number for  XXXX  also states they are not the investor.  XXXX   XXXX   XXXX .
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. 

XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX  XXXX : XXXX I looked at my TransUnion credit report on XX/XX/year> and I noticed somethings 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 individual about whom the report relates according to 15 USC 1681 e.b.

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 A : 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: Checking or savings account

I make electronic transfer from XXXX XXXX XXXX XXXX to Bank of America. This is the second month Ive gotten a line of Excuses from Bank of America as to why my deposit hasnt posted. 

My payment was paid on XX/XX/2019 and as of Today XX/XX/XXXX had not been credited to my BofA account. 

So BofA is charging interest for weeks after payment is made. 

Last month they told me it could take up to 72 business hours for a deposit to post
Product: Debt collection

A judgement was placed again me in California while I was living in Arizona. I was a victim of identity theft, and I had my purse taking. I have try to communicate with the company overseeing the account in collection. Today XXXX XXXX refused to send me a copy of the original debt claiming the company Kenosian & Miele LLp mailed it in the past. Not true I have never receive a copy of the originally debt in all my years of requesting it. I never had a contract with XXXX XXXX XXXX A New York Partner prior to finding out about this judgement. The company they represent has sent me a refund check. I only receive the copy of a California judgement. It very unfair and unconstitutional not to see the changes against me. By refusing my request and still insisting I pay while calculating accruing interest I am being treat unfair and unreasonable. When I make a complaint they go away for a while and a year or so come back. These debt collects should show the real debt is accurate and if its real and true. These lawyers learn how to take advantage or the consumer because they are financial bullies to the average low income consumers ....
Product: Mortgage

On my second payment to the mortgage company, I started sending weekly payments, because my mortgage company did not offer bi-weekly payments to help reduce my principle. So every week I would send {$320.00} and it would build up in a suspense account until it reached {$1200.00}, then a payment would be applied and the remaining money in the suspense account would go toward principle. 

It's important to note that every month, my lender would send me a letter acknowledging short payments and that " ... this amount is not sufficient to cover the full amount of your mortgage loan periodic payment. As as result, these funds have been placed in a suspense account. The funds will remain in the suspense account until you have remitted sufficient funds to equal a full periodic payment. Once you have remitted sufficient funds and the amount held in the suspense account equals a full periodic payment, the Bank will promptly credit the payment to your mortgage loan account. ... If excess funds are also included when you submit the additional funds necessary to cover your periodic payment, those funds will be posted as a principle curtailment upon receipt of your next periodic payment, unless you instruct us otherwise. '' This worked great and without issue, from my first weekly payment sent XX/XX/XXXX, until XXXX, XXXX, when I received a late fee of {$47.00}, because they changed how they were applying my payments WITHOUT ANY NOTIFICATION. I called my lender and they promised to waive the late fee ( since it wasn't late ) and instructed me to change how I was making payments. Lender advised me to start sending separate checks, one for monthly payment and other with PRINCIPLE ONLY written in the memo field. I started doing this on XX/XX/XXXX and sent one check weekly for {$280.00} and another one for {$36.00} marked PRINCIPLE ONLY. 

My XX/XX/XXXX statement showed my late fee as PAID, but then shows ( {$47.00} XXXX in parenthesis under fees and charges paid since last statement. So I'm not really sure if they did credit me that late fee or if they stole it from me, since it was never late. 

Fast forward to today when I'm reviewing my XX/XX/XXXX statement. Now it appears that NONE of my {$36.00} principle only payments have been applied to principle. Instead they're just throwing all of the money in the suspense account to pay my regular mortgage payment when it reaches {$1100.00}. This is completely unacceptable and likely illegal. I tried calling my lender today, XX/XX/XXXX, but the representative only said " so you want me to apply the $ XXXX+ in suspense account to principle? ". It's abundantly clear that my lender is committing fraud with my account and has no interest in actually servicing my loan and helping me correctly apply payments to principle. They charged me a late fee, when my account has never been late. They changed the way payments are applied without sending me notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to these companies. It is been 55 days and I have not received a response from the bureaus or companies listed. These companies have yet to validate my request and the negative information in my report does not belong to me. I sent a letter with documentation requesting to prove the debt is mine on XXXX XX/XX/2021 and have not received a response. I am aware that according to Fair Credit Reporting Act Section 611 ( a ), a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has been over 55 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the XXXX and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, specifically in light of the recent CFPB lawsuit highlighting tremendous issues with the Zelle platform. Despite using Zelle multiple 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.