23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am experiencing excessive delays in receiving my disbursements from my mortgage company's loss draft department, as well as delays in setting up property inspections.My home was flooded on XX/XX/XXXX. After my flooding event, my insurance company made two payouts in fulfillment of my claim. The first was an advance payment claim, which I received approximately two weeks after the flood. Since all of my payouts from insurance were made out to both the homeowners and the mortgage company, I was required by my mortgage company's loss draft procedures to allow them to cosign on the check. I sent off my advance payment check to my mortgage company and did not receive my disbursement from the advance payment for approximately 3 weeks. The check was sent off via First Class Mail, so I do not have the exact receipt and delivery dates.Then in XXXX, my insurance company made a final payment towards the claim. I asked my mortgage company what could be done to prevent a similar delay. I was advised to send the check via USPS Priority Mail with a prepaid return envelope for expedited delivery. I was further advised that it would take 5-7 business days of processing time from the loss draft department after receiving the check to send the disbursement back out.My check was sent out via Priority Mail, tracking # XXXX XXXX XXXX XXXX XXXX XXXXIt was received by the loss draft department on XX/XX/XXXX. Inside of this envelope I included a prepaid Priority Mail Envelope. The second envelope had a second tracking number: XXXX XXXX XXXX XXXX XXXX XXXX.I contacted the mortgage company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire about the status of my disbursement. Each time I have received a similar response from my mortgage company, that it is scheduled to be mailed out within 24-48 hours.However, as of XX/XX/XXXX, this check has still not been sent out to me (i.e. the tracking information shows that it has not been received by the Postal Service). The mortgage company received the initial check from me 12 business days ago (excluding XXXX  and day after), which exceeds their internal guideline of 5-7. In my opinion, this turnaround time is excessive. Until now--and even before I received my advance payment--I have been paying my contractor primarily out of my own pocket for my rebuild. I cannot afford to continue doing this. I need my funds from my insurance claim to continue my rebuild.Also, I asked for assistance setting up a progress inspection on my property (this must be done by the mortgage company), but have not had any success scheduling this either. My concern is that my initial disbursement (33% of the claim total) will be depleted immediately as I pay my contractor for work that he is already owed.My concern is that the progress inspection is taking too long to set up, and the work may already be 90-100% completed by the time an inspector is able to come to my property for inspection. I worry that I will again be delayed receiving my second and third disbursements since the setup of my progress inspection has not been timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the credit reporting company ( Transunion ) and they wouldnt take care of the issue. I have 8 inquiries that are to be removed : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I reached out to the company 3 times by certified mail requesting validation of this debt. I requested that they send me proof that this is my debt. I requested the original contract baring my signature, my address, my social security number. I also the following Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 

My request was sent certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and as of today they have not provided me with any of this information and are still reporting negative and inaccurate information to the credit bureau. The company Credit Control , LLC continue to ignore my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

i constantly check my credit report and noticed errors continuing to report false and misleading information on my report for individual accounts that dont meet the credit rerporting standards of being 100 % correct. This has damaged me and held me back for a while now. I'm demanding CFPB to enforce the correction and or deletion of these items. These items were removed before.
Product: Credit reporting

ClearSpring Loan Services states I have a debt of {$950.00}. This is the XXXX or XXXX debt collector who has provided me with this debt. XXXX debt collector must be selling to another debt collector. They have stated this debt is a result of a foreclosure I had in XXXX XXXX. However, my research unveiled by calling the county court 's office of where the property was located, that the bank bought back the property for what was owed on the mortgage, no more. I reached out to the debt collector to give me more information about this debt on numerous occasions with a breakout of what this charge is for so I can verify. They 've agreed that they would do so on XXXX different occasions, but they never have. Each time, I get the same letter in the mail that says I have a debt of {$950.00}. No breakout whatsoever. They keep making empty promises, as the debt collectors call me every few days for the last couple years trying to collect. I grew so tired of them not abiding to their promises that I stop answering their calls. It is very frustrating, I keep getting the same runaround, and this has happened for several years. Additionally, I got a notice from them stating this : " As required by Section 46A-2-128 of the XXXX XXXX XXXX, ClearSpring Loan Services , Inc. is required to notify you of the following information concerning the account referenced above : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX - XXXX MRT Deficiencies can not sure you for it and XXXX - XXXX MRT Deficiencies can not report it to any credit reporting agencies. '' Even after receiving this notice, they still call me and try and collect on the apparent debt they say I owe. I called them to question this, and they stated that this notice does n't mean the debt goes away. I 've done everything I know of to research to see if there was a debt, requested the debt collector to send me a breakout of the debt so I can verify, but this has n't solved anything. I was so frustrated with them, I asked them never to call me again and that I wo n't pay them without being able to verify if this really is a debt of mine. However, they keep calling. I am writing because the debt still shows up on my credit report ; I would like that to be removed because I 'm under the impression when I go to get my next mortgage the bank securing the loan wo n't give it to me with a debt collection being reported. Please help. Thank you.
Product: Credit card or prepaid card

I received a notice in XXXX from XXXX XXXX raising my credit limit ( letter dated XX/XX/2018 XXXX on their cc along with receiving a bill from them. I also received cc denial letters from XXXX ( letter dated XXXX XXXX ) and XXXX XXXX ( letter dated XX/XX/2018 ) which I never applied for either ( I applied for NO new credit cards ). I immediately called all of the cc companies that I received letters from and the only cc that I had a balance on was the XXXX. I talked to XXXX and told them that I never opened a cc with them and they said they would look into it. I received a letter from them dated XX/XX/2018 stating that the investigation has been completed and that their research shows the account is valid and that I am responsible for {$2700.00}. After receiving this letter I immediately went to the police department and filed a police report. The XXXX learned that a cc was obtained online in my name and XXXX products were purchased XX/XX/2018 online and picked up at an XXXX store XX/XX/2018 with someone using a fake ID with my name on it. Apparently since someone picked up the products in the store XXXX is assuming it was me, which it was not. I have also written letters to the 3 credit reporting agencies ( sent on XX/XX/2018 XXXX along with notifying the FTC. What I have learned from talking to different people at XXXX is that the maiden name used to open the card is not my mothers maiden name and that the phone number used to obtain the card is an old land line/house phone that I had approximately 15 years ago. I have made an apportionment to talk to a lawyer tomorrow regarding everything barbecue I can't seem to get anywhere any other way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FAXED EQUIFAX FRAUD DEPT FX # XXXX MY FTC REPORT # XXXX ON XX/XX/2018 AND BY FTC LAW EQUIFAX WAS SUPPOSED TO DELETE/BLOCK SAID ACCOUNTS INCLUDED IN THE REPORT ( DUE TO FRAUD ). AS THEY HAVE JUST COMPLETED FOR OTHER ACCOUNTS PREVIOUSLY IDENTIFIED. THIS TIME EQUIFAX HAS DECIDED TO TAKE IT UPON THEMSELVES AND DISPUTED THIS WITH THE ( 3 ) FINANCE COMPANIES LISTED BELOW : XXXX XXXX, XXXX XXXX # XXXX, & XXXX. THIS IS HURTING ME BECAUSE BY FTC LAW IF YOU HAVE A FTC REPORT THE CREDIT BUREAUS MUST DELETE/BLOCK DUE TO FRAUD. I DID NOT AUTORIZE A DISPUTE THIS WAS DONE AGAINST MY WILL. EQUIFAX TOLD ME THAT I WOULD HAVE TO ALLOW 30 DAYS ( WHICH IS FALSE ) EQUIFAX STATES TO ALLOW 5-7 BUSINESS DAYS FOR THE ACCOUNTS TO BE REMOVED/DELETED/BLOCKED. THIS IS LEADING TO ME CARRYING THESE FRAUD ACCOUNTS ON MY CREDIT FILE HURTING MY SCORE TO APPLY FOR ANYTHING, THEREFORE IMPACTING MY LIFE. 
EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX XXXX # XXXX DATED XX/XX/2018
Product: Credit card or prepaid card

I have a loan with ( XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( XXXX, XXXX  and XXXX ) and ( XXXX XXXX XXXX  XXXX XXXX ) with no successful resolution.There was definitely an error on their part. I was never 30 days late ( XX/XX/2017 )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX through Credit Acceptance Corporation. The price of the contracted vehicle was XXXX, me not knowing that the interest was almost the same as the contracted price. I had just come out of bankruptcy and needed a vehicle to go back and forth to work. This is XX/XX/XXXX and I have had to make several payment arrangements to try to keep up the car payments. The problem is I have been having bad issues with the car. As of now when I am driving the car it sounds like the rear end is literally going to fall off. 
I have not had the car a year yet. On XX/XX/XXXX I contacted Credit acceptance to inform them of this problem and that I needed help, they did try to break my bill down to paying XXXX a week, then XXXX a week, now XXXX a week. Which was still a struggle. Again on XX/XX/XXXX I contacted them again about the problem and asked about refinancing information or trade in information through there company because at this point the car in a lemon and the price is to high. If the car did not have these problems and the price was just a little less I would not have a problem with keeping my obligation. When I asked for this information I was told she could not help me with these things and that I could go to the company website for information, which I did but it was not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Experian requesting that they DELETE these mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway to taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to remove the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be deleted are as follow : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Asset Amount : {$0.00}
Product: Mortgage

In   XX/XX/XXXX , I along with thousands of others lost my house to flood waters. Since that time I have paid {$55000.00} out of pocket on repairs. After sending in information to the Carrington Loss Draft Department several times starting on  XX/XX/XXXX , I was just informed today,  XX/XX/XXXX , that one of the notarized documents is missing the property number. I have spoken  to a review board and several employees in t he Loss Draft Department over the course of the last month , and never was this  mentioned.I also found out that the documents were reviewed on  XX/XX/XXXX , the same day I was told that disbursement was requested. I was informed that I should call back in 24 to 48 hours for the details of my check. When I called they told me there was a problem with my paperwork that they received a MONTH ago. The paperwork will be updated and sent in the morning, but it takes 24-48 hours to update the system, then it take 3-5 days to review, then another 3-5 days to cut a check, then it goes in standard mail to arrive to the consumer within 5-7 business days. This process is ridiculous. For 9 months I have been displaced. Since Carrington b ought my mortgage in  XX/XX/XXXX  I have not missed a single mortgage payment. I feel as though this company is in breach of the covenant  of Good Faith & Fair Dealing. An Attorney is being contacted to see if there is anyt hing that can be done about this. Hopefully no one else has to go through this struggle after losing everything they own.
Product: Credit reporting or other personal consumer reports

Experian has not properly reinvestigated XXXX XXXX  acct # XXXX according to 15 USC 1666B. I am challenging the timing of this alleged late payment and if you can not validate then please update to paid as agreed, never late
Product: Checking or savings account

RE : PNC Bank 's wrongful dishonor of my properly payable check and PNC 's response to my initial complaint I thank XXXX XXXX for responding to the CFPB regarding my complaint that PNC wrongfully dishonored my properly payable check. For the most part, XXXX XXXX response merely reiterates my statements and provides little substantive information. 

Over the period of months during which I was a PNC customer, PNC Bank established a pattern of no-written-response to my contacts on the PNC website and to the email account of the XXXX branch manager as far as I am aware. XXXX XXXX did not provide a written response to my XX/XX/2023 email request to cancel the dishonored check until the written response submitted to the CFPB ; instead she merely emailed a request for a telephone conversation. XXXX XXXX statement via the CFPB that the dishonored check is the subject of a stop-payment order is welcome notification. 

I ask that XXXX XXXX clarify the issues by identifying in writing and in detail the certain circumstances that authorize PNC employees to refuse transactions by providing written bank protocols that identify those circumstances. I ask that XXXX XXXX identify those certain circumstances in the written material provided to me at the time I opened the accounts by page number and by paragraph on the designated page. 

In addition, I ask that XXXX XXXX clarify and identify the specific circumstances that authorized PNC Bank employee ( XXXX ) to refuse the transaction in the case of the wrongful dishonor of my properly payable check. 

The sole transactions in my PNC Bank accounts were large or large-ish dollar amounts ( with the exception of a single $ XXXX XXXX deposit of a cashiers check drawn on XXXX  XXXX Bank ) between generally recognized U.S. financial institutions into the accounts and then out of the accounts, again solely to other generally recognized U.S. financial institutions XXXX These large-dollar-amount transactions constituted NORMAL, USUAL AND CUSTOMARY account activity for me in my accounts at PNC. There were no other transactions. All transactions ( with the single $ XXXX deposit of a cashiers check exception distinguished above ) including the wrongfully dishonored properly payable check share identical attributes : large-dollar-amounts drawn-on and payable-to generally-recognized legitimate U.S. financial institutions. 

It appears XXXX XXXX and/or other PNC employees may not understand the test for normal transactions. I ask that XXXX XXXX provide copies of written instructions, policies and protocols for judging whether a specific transaction is normal for the specified customer in that customers accounts at PNC Bank.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed some inaccurate, inconsistent information. I reached out to all three major credit bureaus and asked them to provide debt validation used to validate accuracy. XXXX investigated and noticed the inaccuracies and remove the account experience and Transunion has yet to Remove the account. Under the federal credit reporting act all credit bureau must be reported the same Information. If one bureau finds an account to be in accurate, incomplete or unverifiable they are to share that information with the other major credit. Bureau provided XXXX and Transunion a copy of the deletion results and they still have not removed the account below are the accounts in question and I have attached a copy of the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 unfeasable. 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: Mortgage

I am writing to ask that you provide to me a true, correct and complete copy of the promissory note and any other evidence of indebtedness, with any modifications or endorsements thereto, as disscused in California civil code & 294 3 ( b ) ( 1 ). 

Please provide to me a true, correct and complete copy of the deed of trust with any modifications and assignments thereto, as discussed in California civil code & 2943 ( b ) ( 1 ).

Please also provide, pursuant to the truth in lending act ( 15 u.s.c & 1641 ( f ) ( 2 ) the name and address and telephone number of the secured obligation 's owner or master servicers. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX Account # XXXX XXXX *XX/XX/2019 *