23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XXXX XXXX at approximately XXXX my vehicle was unlawfully repossessed at my apartment. The repossession company hired by my lender Chase bank approved this repossession company tokeep my vehicle after I clearly stated an objection to the repossession. My vehicle was in parked and running when a white pickup truck pulled up and took my vehicle. They took my keys that was inside of the vehicle while the vehicle was running. The driver was immediately informed that I the consumer was objecting to the repossession. Clearly demanded the return of my automobile the driver evaded my respectful request. I was at a safe distance from the vehicle gratefully as this driver was driving and moving at an alarming rate. This repossession was illegal for several reasons as I am sure it was a forceful attempt. An attempt that threatened the safety of myself and others around. Im asking the vehicle be released to me immediately. This company has made it clear they will not let me have my personal property from inside the vehicle. In attempts to avoid legal action on this repossession company and Chase bank as well. Unlawful repossession is highly subject to lawsuit.
Product: Debt collection

XX/XX/XXXX a balance of {$110.00} was paid IN FULL to the collection agency Sequium Asset Solution. When paying this account I was told that a request would be send to XXXX  and XXXX  to have the paid in full collection account deleted from my credit report. I called and spoke with many representatives that were extremely rude telling me that the account would not be deleted and that the account would still report on my credit as a derogatory collection account til XXXX. Also the last reported date XXXX  is reporting inaccurate I paid the account off XX/XX/XXXX and they are reporting XX/XX/XXXX this is inaccurate, as well as both bureaus reporting this account as a paid collection account. This account needs to be deleted off of my credit report as soon as possible or I will take legal actions to resolve this matter! 

Thank you, for your prompt response in handling this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

File ftc report already on identity theft and fraud to all three credit bureaus they have refused to removed XXXX hard inquiries on my Equifax and XXXX report
Product: Credit card

I want to dispute Wells Fargo Dillards American an Express past due mark on my credit reports. I refinanced my house when my son in law XXXX XXXX so I could help take care of my daughter and her XXXX  children. The mortgage company helped me send large payments to multiple creditors, including this account. I have been able to prove to them date check was mailed to them, which was before it would be considered late. By the time it went through their process of receiving, processing and payment it went past due. This was a process error, not negligence on my part. This one past due mark significantly affected my credit score. If you will review my payment history- I have never been late with any creditor for years
Product: Credit reporting, credit repair services, or other personal consumer reports

So i sent a letter off on XX/XX/2022. Here is my tracking # XXXXTo remove personal information that l don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people. 


These are clear violations of my federally protected consumer rights.
Product: Debt collection

Springleaf Financial is another one that started in XXXX County because that is where I live. Payments were being taking out of my check regularly to satisfy my amount due. However, at some point again XXXX County stopped taking the payments. Instead of Springleaf contacting me to make arrangements, the also went to XXXX County after 5 or so months. I believe that this behavior from them is being taken against me because I requested that they remove inaccurate information from my credit report. I asked that Springleaf remove themselves because at the time I thought that my account was paid in full.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account XXXX XXXX  XXXX XXXX  Account XXXX  : XXXX count XXXX  : XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXXXXXX : XXXX Account XXXX : XXXX XXXX Account XXXX  : XXXX Account XXXX  : XXXX XXXX  Account XXXX : XXXX Account XXXX : XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account XXXX  : XXXX XXXX XXXX Account XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act Section, 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts posted on a credit report.
Product: Mortgage

My loan is relatively new loan, refinanced in XX/XX/2019. I have a VA loan with an escrow account that lender is required to pay home owners insurance and property taxes. I received property tax delinquent notice for winter taxes. Lender attributed this to timing of the loan and was not sure who should have paid, either previous lender or current lender. Either way, they did get paid. I have now received another property tax delinquent notice for next round of property taxes due. 


Lender is Lakeview Loan Servicing LLC.
Product: Debt collection

I have disputed multiple times with Equifax concerning the collections account being reported on my consumer credit report from XXXX XXXX XXXX XXXX. In lieu of the disputed information, Equifax willfully failed to conduct a reasonable investigation and their determination of the account being " accurate '' and updating unrelated information to my dispute, such as an invalidated " Account # XXXX *STATUS DATE *BALANCE DATE '' were intentional and negligent violating my FCRA right under section 609. On XX/XX/2022, I sent certified letters ( XXXX ) requesting a written validation notice requesting the original contract with my signature for an account with XXXX XXXX XXXX XXXX Equifax XXXX failed to delete the disputed information as requested. 

Furthermore, XXXX XXXX XXXX XXXX violated my FCRA rights by intentionally returning the certified XXXX written validation notice request with no signed contract, forfeiting the accuracy and validity that the collection being reported on my consumer credit report is valid.
Product: Mortgage

I had solar installed on my home by XXXX XXXX XXXX who did a horrible job and caused all kinds of problems. The solar and battery was financed through sunlight financial / XXXX XXXX XXXX. I contacted the bank in XXXX and XXXX of 2022 to tell them not to release any additional funds to the contractor because a major dispute exists. I never once got a single reply from the bank and the matter seemed to fall on deaf ears which is why I am writing this complaint. It is to my understand that the bank has gone against my wishes and released the remaining funds to the contractor. I am requesting that the CFPB investigate.
Product: Credit card or prepaid card

I AM NOT IN THE XXXX, XXXX XXXX XXXX!!!!!!! See Title 18, Section 241 and 242 Violations ; My Constitutional Rights to Privacy, Freedom of Speech, Freedom of Thought, Freedom of Location, and Free Will were eradicated beginning on XXXX, XXXX, XXXX and is ongoing. I am NOT a clone nor am I a XXXX XXXX. I do NOT have a twin relative, XXXX  or alive. I am NOT a celebrity or public figure. All of my personal identifying information became public knowledge. The breach is ongoing. Between XXXX and XX/XX/XXXX, both my Birth Certificate and Social Security Card were stolen. This include a XXXX XXXX, MO XXXX 's XXXX # XXXX, which expired XX/XX/XXXX. Recently, my XXXX XXXX ID # XXXX, which expires XX/XX/XXXX and my replacement Social Security Card were both stolen by the XXXX Police Department XXXX XXXX, CA. I suspect 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

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX I am starting to take this personally Freedom mortgage still has not reported my good payment history to all XXXX credit reporting agencies!!!!! 

they lied to me in a letter stating they would report it by now What am it to think about a mortgage company that will not report good payment history or any payment history at all???? 

Company responded Freedom Mortgage said : Explanation of closure XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX Re : Your Complaint to the CFPB Dear XXXX XXXX : We are in receipt of your complaint and are happy to respond to your concerns. I have reviewed your complaint and researched the issue regarding the credit reporting of your payment history. 

You loan was transferred to Freedom Mortgage on XX/XX/XXXX from XXXX. Due to RESPA ( Real Estate Settlement Procedure Act ) guidelines, when the servicing of a loan is transferred, lenders are prohibited from reporting during the first 60 days after the transfer. Your payments will be reported beginning with the XX/XX/XXXX payment but reporting is done on the XXXX of each month for the previous month. Therefore, the XX/XX/XXXX payment will be reported on XX/XX/XXXX and all payments thereafter will be reported approximately the XXXX of the next month. 

If you have any further questions or concerns, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX Assistant Vice President Customer Service Freedom Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Dispute Response Explained that due to RESPA regulations, Freedom can not report to the credit bureaus fro 60 days after servicing transfer. 


What happened Describe what happened so we can understand the issue ... 
XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX Loan # XXXX Registered Loans Loan Number XXXX Property Address XXXX XXXX XXXX, VA XXXX Loan Status Loan Active Freedom mortgage is not reporting my good credit history to the XXXX reporting agencies Consent to publish the description of what happened? Consent provided Which part of the mortgage process is your issue related to? 







Making payments This is about VA mortgage Desired resolution What do you think would be a fair resolution to your issue? 
XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX Loan # XXXX Registered Loans Loan Number XXXX Property Address XXXX XXXX XXXX, VA XXXX Loan Status Loan Active Freedom mortgage is not reporting my good credit history to the XXXX reporting agencies report my good payment history to XXXX XXXX and XXXX My information Contact information Mailing address XXXX XXXX XXXX XXXX XXXX VA XXXX United States Email XXXXXXXXXXXX Phone XXXX I am submitting on behalf of Myself Product information Property address is the same as mailing address. 

XXXX number XXXX Information about the company Freedom Mortgage United States Supporting documents HTML document freedom mortgage is not reporting my good payment history to the XXXX reporting agencies .msg ( XXXX )
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer.XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

XX/XX/XXXX, cancellation of PMI was requested. I have not received any information regarding my request. I requested that my account be created since I am a survivor in interest on the account. I have no means to log into my account and check any balances. This is the worst mortgage servicer!
Product: Money transfer, virtual currency, or money service

I am writing to share my concerns about Zelle 's handling of disputes, especially following the recent CFPB lawsuit. In XX/XX/year>, I reported issues with transactions totaling over {$1500.00}, but neither Zelle nor my bank properly investigated my claims. I was told recovering the funds or tracking the transactions wasnt possible. Since then, Ive faced additional issues totaling over {$2000.00}, bringing my overall losses to more than {$4000.00}. 

The CFPB found that Zelle has failed to protect users and allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams. Zelle must take immediate action to improve fraud prevention, strengthen dispute processes, and restore trust in its platform.
Product: Checking or savings account

Ive communicated with 3 individuals both in person and online. I have been charged three overdraft fees without them being able to say why. 
They claim its for a XXXX  transaction but XXXX does not allow any transactions to be made without a positive account. 

The {$79.00} withheld is a weeks worth of groceries XXXX third is consistently charging fees the hours prior direct deposits being made, making it seem as if they are right in taking these charges when in fact it is theft of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by United Wholesale Mortgage that my XXXX payment was late. That the payment I had made didn't go through because of lack of funds. I grabbed my credit union account and found out that, during the month of XXXX, I DID make my XXXX payment on time, by XXXX XXXX. BUT .... UWM decided to hold on to process my payment until XXXX XXXX... XXXXwhich made the payment late so then they put on a late fee and then said I didn't have the funds in my account. They then said the same problem happened in the XXXX and XXXX payments so to bring it current I had to pay around {$5000.00} cash. I was flabbergasted! And UWM never returned the money I did pay on the mortgage. 

So in very late XXXX I made another payment to UWM. They then said XXXX 's payment was moved to XXXX and I was now 2 months late. As a public school teacher I get paid twice a month. I was very disappointed that UWM wouldn't remove the late charges since I felt like the whole situation was never my fault. Bottom line now is that everything is current BUT UWM refuses to remove the bad credit from my account.
Product: Debt collection

Yesterday myself and my family and friends recieved calls from this debt collector. In the messages left they said they were medicorp which associates with XXXX. Once i called they made me verify information before telling me they do not collect medical but they are collect from a loan. At this point i am embarrassed and upset that they tried to lie and that they contacted random people in my life
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX/XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

I purchased a home in XXXX XXXX XXXX  in XX/XX/2024. 
My home in XXXX XXXX  had not sold yet. 
XXXX XXXX XXXX told me that my home payments would initially be high, but that the Mortgage Company, Provident Financial, would re-cast the loan once I paid it down after selling my home in XXXX. 
My monthly payments are around XXXX XXXXmonth with Provident Financial. 
In XX/XX/2024 we sold the house in XXXX, which gave me {$400000.00} in cash to put towards my mortgage on my XXXX XXXX home, financed with Provident Financial. 

On XX/XX/2024 I called Provident Financial to inquire how to recast my loan. They instructed me to send a check for the amount that I wished to pay down to the principal, with a note that I wished to recast the loan. They also instructed me to pay a {$300.00} fee towards interest as a fee for the recast. I sent a check to Provident Financial for {$370000.00} to pay down my principal for the recast. Then I went online and made a {$300.00} payment towards interest for the recast fee. 

On XX/XX/2024 I wrote an email to Provident Financial to inquire about when the recast would happen. The response was exactly " Our recast department has been notified that you would like to proceed with a recast. They will draft your recast agreements that outline the new payment terms of your loan and once completed, these arrangements will be made available under the " Letters and Monthly Statements '' tab of your online account. Please print, wet-sign, both original documents to : Provident Financial XXXX XXXX' On XX/XX/XXXX I wrote Provident Financial again to inquire on the recast. They told me that the fee has been applied to the loan and that it is noted for recast once an investor is determined. 

On XX/XX/2024 I was called by Provident Financial and was instructed that " Unfortunately, the investor assigned to your loan does not allow recasts. '' Now I am forced to either re-finance with a new mortgage company or pay XXXX XXXXXXXX on my home loan. I can not afford to continue paying this high payment for my mortgage loan. At the onset I was informed that a re-cast would occur once an investor was assigned and I would be allowed to recast. 

I would not have purchased a loan with Provident Financial if I knew they would sell my loan to someone else who does not re-cast. It seems shady an underhanded that they would sell the loan less than 6-months old to a company who does not allow the same procedures as they do.
Product: Checking or savings account

My company mailed a check to a client mistakenly and she deposited into her account via a bank phone application. Not realizing that the check was not made out to her she deposited it into her account and the app accepted the deposit. After realizing what she had done my client who deposited the check to her Bank of America account called B of A and asked them to reverse the deposit. B of A reversed the deposit but the check was still cashed and the funds were never reversed or redeposited back in to our XXXX account. They claim they redeposited the funds to our account but XXXX has no record of them having done so and no credit has been made, only a debit appears in the amount of {$9500.00}. I have placed a stop payment on the check which I was instructed to do by a B of A representative which has done nothing to correct the matter. This transaction occurred on XX/XX/2019. Ever since then B of A has refused to work directly with me since I don't have an account with them and because I am not listed on the account in which the funds were deposited in to. B of A is still holding my money and has refused to assist me in anyway, shape or form.