23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Once again I was out rage with Wells Fargo and them telling lies and slandering me to the CFPB in their response about case number ( XXXX ). They say they have not been able to get in touch with me when in fact I have talked to two of their representatives, XXXX XXXX I spoke with her over the phone on XXXX XXXX late morning, she had left me a voicemail on the XXXX at XXXX at XXXX, so I returned her phone call the next morning., And in fact on that very day I spoke to her twice because I forgot to tell her something and I called her back again. Then on XXXX XXXX around about XXXX or so I received a phone call from XXXX XXXX and she said she would be replacing the above person that I just spoke about. So I have been talking to their representatives all along. The representatives then said that they were told to call immediately and was giving no other information so the information that I share with them was the first that they had heard of it. The problem is with both of these ladies that called they were ready to do the modification based on the old appraisal with the incorrect square footage measurement which causes the incorrect value of the property. I explained to them that in doing this it would make the house unaffordable for me. They are still calling during the evening hours they called on XXXX XXXX at XXXX after I have asked him numerous times to call XXXX the XXXX hours when I am available. I was promised a phone call from XXXX XXXX in the XXXX I waited around as long as I could yesterday XXXX XXXX and of course she never called back. I have no problem with them needing more time, but slander and lies have to stop, I 'm not sure why this continues to happen, it is continuing to further XXXX and worry me.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to

me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : WELLS FARGO BANK Account Number : XXXX Date : XX/XX/2013 Amount : {$720.00}
Product: Mortgage

P.N.C Bank has repeatedly treated me UNFAIRLY ( 12 USC 5531C ( 1 ) ( A ) ) and violated Real Estate Settlement Procedures Act ( RESPA ) ( 1024.41 ( b ) ( 1 ) by not providing me any modification options for my mortgage loan and now I am on the brink of losing my home. I have sent modification paperwork several times ( 3 total ) to the loss mitigation Department in the past ( 6 ) months and only to be told that they need more paperwork. The most recent time I sent the paperwork ( full loss mitigation application ), I got a response on XX/XX/2018, stating that I did not send the requested documents, but was rather told, that they have not received the requested documents.

PNC Bank has given me multiple Single Point of Contacts ( SPOCs ), and they all seem to be inadequately trained to handle or provide any loss mitigation options to me, but rather P.N.C Bank has threatened me with foreclosure proceeding ( s ) and stated they will report negatively to the Credit Bureaus. The SPOCs misplaced my paperwork and have not picked up my phone call ( s ) or returned them on time. P.N.C Bank misplaced my paperwork several times and stated they have not received it ( see attachments ). These tactics are abusive towards me and other consumer ( s ) and P.N.C needs to be held accountable for violating Consumer Protection Law ( s ) because I am losing my house because of PNC Unfair, Deceptive and Abusive tactics.
Product: Checking or savings account

I tried to withdraw my funds from Marcus by Goldman Sachs, I answered all of their identity verification question and they placed my money on hold for no reason at all. They are holding my money unlawfully and I will not be able to close on a mortgage because of this. The bank is very close to cancelling my mortgage and said they will do so in the next few days unless I provide my funds. 

I initiated a wire transfer from my account on XX/XX/year> and they are holding my money and all they are saying that it was placed on hold. They are not giving me an explanation as to why and keeping promising me that a supervisor is going to call me back but no one ever does.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XXXX XXXX, XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. First, " XXXX '' back in XXXX XXXX ; second, the " XXXX XXXX '' back in XXXX XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. In XXXX XXXX, XXXX did it again, by passing my name to " XXXX XXXX XXXX ( XXXX XXXX ), '' which acknowledged that the debt was fraudulent, and closed the case. Now it is XXXX XXXX, and XXXX has persisted in sending this " debt '' to ERC, which is offering a settlement. Why should I pay a settlement for a debt that is not even mine?
Product: Student loan

I signed this loan with Navient formerly Sallie Mae at XXXX XXXX XXXX, I am XXXX now and still owe the same amount as I did almost twenty years ago. I bring home XXXX every two weeks. That equals XXXX a month. My Rent is XXXX, Car Note XXXX, utilities XXXX, Groceries, gas, misc equal about XXXX. I am nearly in the negative by the end of the month but the only income based repayment amount I can get is XXXX dollars? this company has tried to ruin my life P.S. while I was beating XXXX they gave me no forbearance or break at all even when I called and tried to work out something.
Product: Mortgage

Mortgage company agrees it violated a court order regarding the removal of a " phantom corporate advance account '' and sent the following correspondence. Mtg company has now refused me access to my account ( will not give me any information ) and has failed to remove the erroneous corporate advance from the account. The requisite time has passed and they still have not fixed the account even though they admitted wrongdoing. Please compel them to make this fix. AS OF XXXX XXXX, XXXX THIS MATTER IS STILL NOT RESOLVED!!! 
Here is their correspondence : Ditech said : Explanation of closure Ditech Financial LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX T XXXX F XXXX ditech.com XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Re : Consumer Financial Protection Bureau ( " CFPB '' ) Case No : XXXX Ditech Financial LLC f/k/a Green Tree Servicing LLC Account No : XXXX Dear XXXX XXXX : We are in receipt of your complaint filed with the CFPB regarding the servicing of your loan by Ditech Financial LLC ( " Ditech '' ). Ditech takes your complaint seriously and appreciates this opportunity to respond. 

Ditech 's records reflect that prior to XXXX XXXX your account was not escrowed. Your loan was approved for a Streamline Modification which required that an escrow account be placed on the account. Please see the enclosed Modification Approval Letter dated XXXX XXXX, XXXX. This modification was cancelled almost immediately pursuant to your request to have it cancelled. Please see the enclosed Modification Denial Letter dated XXXX XXXX, XXXX. At this point, Ditech should have cancelled the escrow as well. Due to an inadvertent error, the insurance escrow was not removed from the account until XXXX XXXX. Prior to the cancellation of the forced escrow, Ditech disbursed for taxes and insurance in XXXX and XXXX. 

This matter was addressed in a Motion to Compel filed in your XXXX XXXX bankruptcy on XXXX XXXX, XXXX. Please see the enclosed response to the Motion to Compel, filed by Ditech on XXXX XXXX, XXXX, and the Stipulated Order filed by the court on XXXX XXXX, XXXX. In paragraph XXXX of Ditech 's response, it explains that the escrow amounts had been credited to your account. According to the Stipulated Order, the matter had been resolved. 

Upon further investigation, Ditech has found that while Ditech credited the escrow account, the credit was insufficient to satisfy the full escrow deficiency leaving a balance of {$1800.00}. Ditech has waived the remaining deficiency and sincerely apologizes for any inconvenience that this situation may have created. 
Please allow one to two weeks for this transaction to be completed and your account credited. 
Please contact Ditech at XXXX with additional questions or concerns. 
Sincerely, XXXX XXXX XXXX XXXX cc : CFPB via portal
Product: Credit reporting or other personal consumer reports

I negotiated a charged off account with HOME DEPOT with Citibank reps for the amount XXXX to be paid by XX/XX/year> and I paid this on XX/XX/year>. On the letter from Citi it states this account would be reported on my credit as " Settled ''. As of today they reported this as a payment was made and they did not change the status to " SETTLED ''. This is clearly a breach of contract as I am in receipt of the letter from Citi and my bank statement and confirmation number from the companies rep that I paid on XXXX. I have included a copy of the settlement letter, copy of bank payment proof and copy of todays credit bureau showing this account only as a payment was made. Confirmation of the payment is : XXXX XXXX XXXX XXXX Citi Rep.
Product: Student loan

In XX/XX/XXXX I began XXXX school with a unsubsidized and subsidized loan. I was counting on Public Service Loan Forgiveness via the XX/XX/XXXX College Cost Reduction Act. Shortly after graduating, my loan was sold or transferred from XXXX to Aspire. I was set up on a " level '' payment plan- {$490.00} a month. I called Aspire repeatedly to make sure I was on-track for PSLF. Aspire 's phone staff/loan counselors assured me repeatedly year after year that I was on the right track and I just needed to keep making payments. At one point I had even inquired about income based rates and had been told if I deviated from the level plan I was on, I would lose loan forgiveness. In XX/XX/XXXX, my loan was transferred to XXXX. XXXX informed be that no payments I had made would be eligible for the PSLF, despite what Aspire told me. I called Aspire who tells me they shredded all my docs and everything went to XXXX, other than that they conveniently have no record of me. I am now out 10s of thousands of dollars that never went toward PSLF and I have to start all over again! I have paid approximately $ 40K! Had I been on an income based plan, I would have paid a faction of that before I was paid off. Aspire misled me and is now trying to pass the buck to XXXX. XXXX helped me by being truthful. Aspire misled me and cost me years and money! This is wrong!
Product: Vehicle loan or lease

Account : XXXX This company has been harassing me since I finished paying my Chapter XXXX Bankruptcy.I was late two months and phone calls and even letter saying that my piece of junk, they call it car, could be repossessed. I know that, for not paying they could definitely do it. My last phone call with them I explain that I would bring account current by the end of XXXX, I made three payments, last one will be withdrawn from my bank on XX/XX/18. I explained that due to loss of a family member and my brother loosing his job to give a break! They still mailing me this harassment mails to simply remind me or scare me, not scare at all, it is all paid and next due date is not yet.
Product: Payday loan, title loan, personal loan, or advance loan

Tried to pay the loan.My bank declined the payment.I don't have the money to pay.I want the calls to stop.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX XXXX is in direct violation of this law. 
15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 
I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX XXXX XXXX XXXX is reporting inaccurately.
Product: Credit reporting

I have duplicated information from the same collection agency listed on my credit report. I have disputed this information with Experian twice and the result was that the item remains. The account is not mine and my rights under the FCRA have been violated.
Product: Debt collection

I have asked repeatedly for proof of payment history and GC Services Limited Partnership is refusing to provide documentation. Documentation is being required by another lender. Without proof, GC Services Limited Partnership is pushing my family into financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute to Experian about account XXXX XXXX XXXX XXXX XXXX reporting inaccurate information. XXXX XXXX XXXX XXXX XXXX was reporting the account as closed/collection account never late. I informed Experian that the account with XXXX XXXX XXXX XXXX XXXX was indeed open and was not a collection account. I informed Experian to Delete ( not update ) this account. On XX/XX/2022, Experian updated my report showing XXXX XXXX XXXX XXXX XXXX account open with a paid on time payment for XX/XX/2022. According to the FCRA this is not a accurate report. Experian is suppose to report accurate information at all times. How can the account be open, then closed as a collection account, then back open again? How is this possible? This is not accurate. Remove ( not update ) this account immediately.
Product: Mortgage

Greentree Mortgage treated us terribly. They harassed us with phone calls, rude phone calls and did'nt get back to our phone call questions. We ended up having to do a short sale because they threatened foreclosure. Then they stalled the short sale and kept asking for more money. They took out Homeowners Insurance which we already had and that left our escrow short. it was a horrible experience. We no longer have this mortgage company want it to be known.
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit report with XX/XX/XXXX, there are 14 Inquiries showing on my credit report. I only recognize 3 Inquiries that I actually gave consent to pull my report and that's XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX, and XXXX on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Act # 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: Debt collection

I received a call from my new mortgage loan servicer regarding my payment being late. On XX/XX/XXXX I informed the representative that I only get paid once a month and I would pay my bill for both payments I'm behind on the XXXX of this month. I have been still getting calls and today a letter were placed on my property gate for the company stating they haven't been able to reach me. I have spoken with the company and told them my attention to this matter. They still harassed me afterwards.
Product: Credit reporting or other personal consumer reports

I disputed an inaccurate account from XXXX XXXX XXXX ( Account # XXXX ) with Experian, requesting a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i ( a ) ( 6 ) ( B ) ( iii ).

Experian initially verified the account without providing any details on how the verification was conducted, violating my rights under the FCRA.

I requested a description of the reinvestigation process, which Experian failed to provide. 
XXXX removed this account from my report after conducting its own review, proving that the information is unreliable. 
XXXX and Experian report conflicting information about this account, violating 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum accuracy.

Experian did not conduct a reasonable investiga
tion, as required by law and precedents like Cushman v. TransUnion Corp. and Hinkle v. Midland Credit Management , Inc.
Product: Credit card

In XX/XX/year>, I experienced my first-ever missed payment with Wells Fargo XXXX XXXX of my credit card accounts. This was due to an unforeseen personal circumstance and was never intentional. Until that point, I had a flawless history of on-time payments and have maintained a positive relationship with the bank for years. 

As soon as I realized the oversight, I promptly brought the account current and have stayed in good standing since. I have made multiple goodwill requests to Wells Fargovia letter and phoneto ask for a one-time late payment removal, given my otherwise perfect record. Unfortunately, all of these have been denied, even though the request was based solely on good-faith history and not a dispute of the validity of the payment.

This single late payment has significantly affected my credit score and financial situation, despite being an isolated incident in a long history of responsible credit use. I respectfully request that Wells Fargo consider removing this negative mark as a goodwill gesture. 

I am a single mother going through a divorce. I'm not asking for any financial compensation or forgiveness, simply the opportunity to recover from a one-time error. This would make a significant impact on my ability to rebuild and maintain strong financial health. I have paid off my credit card to Wells Fargo and will make sure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX   ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER FROM XXXX, EXPERIAN OR XXXX,. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Checking or savings account

I purchased sunglasses online. They arrived and were the wrong glasses and upon further investigation, they were also fake. I went back and forth with the seller and then my bank. Bank of America finally opened the claim after telling me the seller claimed I wasnt in contact with them. The seller denied my refund. Bank of America then asked me for the emails with the seller. I printed and faxed them to Bank of America. I then waited months, finally called to check in on it and they told me they would put a note on my file. They called 3 weeks later to tell me that I did not get the papers faxed to them in time. No one ever gave me a time limit. I called to speak to a manager and was pretty much blown off. I was told that the manager would not help me. I canceled my account with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I

n accordance to Fair Credit Reporting Act. List of accounts below have violated my rights to privacy. Under 15 USC 1681. Section 602A. I have the right to privacy. 15 U. S. C-section 604 A section 2 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 in report containing the following items of information, other than the convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 A1 A person shall not furnish any information relating to a commercial reporting agency if the person knows or has reasonable cause to believe information is incorrect. 

XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Iam formally writing express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the e platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle Failed investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPBs findings indicate that Zelle Has not only neglected to protect consumers 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.