23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been charged late fees and have received late notices as a result incorrect information. This is in regards to my account. I am certain this is a result of my escrow account ( homeowners insurance ), where they say I have insufficient funds to pay my homeowners insurance. The insufficient amount is approximately around {$1.00} XXXX - {$2500.00}. I can not understand this negative balance. I do suspect the amount is not correct just by virtue of having made all of my scheduled payments without any being past due. They sent me a notice in XXXX 2016 stating my monthly payment would rise from {$370.00} to {$540.00}. In order to start to pay down the insufficient escrow balance and it would be current in one year. I disputed over the phone w/ a Freedom Mortgage Representative. They said their records indicated I had a negative escrow balance. At which time I accepted their analysis and stated, I could not afford to pay {$540.00}. And I requested a smaller payment amount where it would take a year longer to reach a positive escrow balance. A representative was able to make the necessary arrangements where my new payment would be {$450.00} for 2 years. 
I started making that payment amount in XXXX 2016, XXXX 2016 and XXXX 2016. Each month was paid on time and before the late date. I have the cleared checks from my financial institution to verify all payments.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 informaed me that recovering funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Are deposits made to Bank of America actually loans made to Bank of America? If so then isnt it the bank employees duty to pay back the interest, derivatives, dividends, time and precious commodities owed to the customer/investor who deposits funds pursuant XXXX2 United States Code 1431-duties of banks? 
Please see the document sent in the attachment. Please state whether or not what the document reads stands as the law or not. Lastly please be advised that I and my significant other will be owed compensation for return on investments made to Bank of America.
Product: Debt collection

A company called XXXX XXXX XXXX XXXX has been calling me as well as several other people I know harassing me and them that I pay this bill. The # they are calling from is XXXX. When I have tried to ask them details about this loan they will talk over me and threaten to get in contact with me employer. They 've also said that they are going to file a criminal and civil complaint against me and have my license suspended. I 've asked them in several occasions to email me the information so I can look over it. They refuse to do so and said that they have plenty of times and that I better pay.
Product: Checking or savings account

I am writing to formally express my frustration and dissatisfaction with the extreme difficulty I have encountered while attempting to close my account with XXXX. The cancellation process is unnecessarily complicated, seemingly designed to discourage users from successfully closing their accounts, and has resulted in unauthorized withdrawals from my checking account. 

Last month, I attempted to cancel my account following your provided instructions. However, the process was intentionally cumbersome, requiring me to withdraw my existing balance before proceeding with cancellation. Since withdrawals take several days to process, I was unable to immediately finalize my cancellation. Unfortunately, by the time the withdrawal was complete, I had forgotten to return to finalize the cancellation, leading to another unauthorized charge this month. 

This month, the same issue occurred. XXXX withdrew funds from my account without my permission, despite my previous attempt to cancel. When I once again tried to close my account, I was forced to withdraw my remaining balance first. However, because withdrawals take time to process, I was once again unable to immediately proceed with cancellation. 

Additionally, your in-app cancellation process is unnecessarily repetitive and obstructive. It requires users to confirm their decision multiple times, repeatedly asking if they are sure they want to give up certain features. This feels like an intentional tactic to confuse or discourage users from completing the process. 

Making matters worse, there is no option to speak with a human customer service representative. Your automated messaging system continues to direct me back to the app, which only perpetuates this frustrating cycle of unnecessary delays and unauthorized charges. 

This practice is deceptive and raises serious concerns about compliance with consumer protection laws, particularly regarding unauthorized transactions and obstructive cancellation policies. At this point, I am demanding the immediate cancellation of my account, a full refund for the charges that were taken without my permission, and confirmation in writing that my account has been closed permanently.
Product: Debt collection

I continue to be pursued by Portfolio Recovery mentioned in my complaint # XXXX. In my additional comments I requested that they cease and desist. I just recently received a letter dated XX/XX/XXXX from Portfolio Recovery trying to claim a debt from another creditor, XXXX XXXX. 

My data was breached by the XXXX Data Breach and since the breach I have gotten collection claims from Portfolio Recovery for several of my creditors ( i.e. XXXX, XXXX XXXX, XXXX ). Therefore, I requested a copy of my credit report and Portfolio Recovery was listed on my report as being in default with payments. I do not have any agreements with this company, nor do I owe this company any money. This company has never presented any written agreements to me indicating that they were acting on behalf of any of my creditors. 

I disputed the claim and their response to the dispute was copies of statements that were never mailed to me by my creditor. ( This only proves that there has been a serious violation of my private information. ) I have attached a copy of one of the statements Portfolio Recovery sent in response to the dispute. On the XXXX statement dated XX/XX/XXXX, that Portfolio Recovery sent me, shows a credit limit of {$8500.00}. Clearly this statement was altered because a closed account would not show a credit limit. This is the type of tactics they practice to collect money from people. Also attached is a statement I received from XXXX in XXXX of XXXX that clearly shows the credit limit as XXXX. This account was closed in XXXX and I continued to pay off the balance. 

In XX/XX/XXXX I received collection statements from XXXX XXXX representing themselves as a collection agency for Portfolio Recovery Associates. In XX/XX/XXXX, XXXX XXXX filed a petition against me claiming they were representing Portfolio Recovery Associates. I filed my Answer denying the claim within ten days and requested, on the court document, that XXXX XXXX cease and desist from further contact with me, from all phone calls, mail correspondence and court petitions. I then filed a complaint ( # XXXX ), as mentioned above, against XXXX XXXX, and also requested that Portfolio Recovery cease and desist from their pursuit of false claims. 

I want Portfolio Recovery to remove themselves from my credit file with all three credit reporting agencies. I want them to cease and desist from pursuing me for monetary gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, fraudulent accounts or charges appear on my credit report. As shown on XXXX, Equifax, and XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a total fraudulent amount of {$2700.00}.
Product: Debt collection

This is XXXX XXXX XXXX submitting this CFPB Complaint once again to dispute the information you report on my Credit file. Once again, I was a victim of identity theft and I never made the charges and transactions with you Company. Under the Fair Credit Reporting Act, I am requesting that you remove the information in my Credit File that you are reporting. I believe I never signed a single contract and your willful non compliance with the Federal regulation is a clear violation of a consumer rights. I am requesting to you to please remove the account ; JEFFERSON CAPITAL SYSTEM XXXX Opened XXXX XXXX, 2021 Balance : {$620.00} ; that is appearing on my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  & Trans Union continues to publish two fraudulent accounts alleged by the company XXXX XXXX XXXX. I have reported numerous times I have never agreed to any account for any amount with the company XXXX, therefore any accounts alleged by XXXX would be fraudulent. XXXX  has reported they did an investigation, however XXXX  is wrong and I will continue to dispute these accounts and have the law make XXXX  use their assets to explain until XXXX  removes these fraudulent accounts. I have requested an agreement from XXXX and they have been unable to provide any agreement between myself and XXXX, yet XXXX  says they have seen it. So I am requesting XXXX  to provide me a copy of the alleged agreement between myself and XXXX. I have also requested proof from XXXX and they have not been able to provide me detailed proof within the last nine months. I believe nine months is more than an adequate amount of time to come up with detailed proof of these alleged accounts. XXXX  has decided since XXXX can not come up with proof, and because these accounts are clearly fraudulent, to remove them from their credit reporting and I believe that XXXX  removal of these accounts is proof these accounts are fraudulent. XXXX has sent me what they believe is proof and its a letter that is addressed to an address that is not mine nor was mine at the time of the dated letter, that alone should add enough weight to my statement that these accounts are not mine and would make the probability of these accounts being fraudulent more likely than not, thus a removal from credit reporting and would override any data furnisher.
Product: Debt collection

When a consumer demands an illegal act to be stopped by person or company then it should cease immediately! In Exhibit A NFCU, I DEMANDED NAVY FEDERAL CREDIT UNION ( NFCU ) TO PAY ME MY {$3700.00} and RESET BOTH OF MY OPEN-ENDED CREDIT PLAN FOR VIOLATING MY CONSUMER RIGHTS! NFCU stole money our of my bank account to pay themselves plus interest without my consent. WHO GOVERNS THIS THEIF ( NFCU )? NFCU uses deceptive forms to undermine consumers like me to pay an alleged debt that derived from my open-ended consumer plan. In Exhibit B NFCU even said they will report my information to the credit bureaus. THERE IS NO SUCH THING AS A CREDIT BUREAU only CREDIT REPORTING AGENCIES. NFCU attempt to trick me did not work and it should not be able to trick the CFPB. Navy Federal Credit Union Pay me my money, EXPEDITIOUSLY.
Product: Money transfer, virtual currency, or money service

Hello I went to cash my check for my payroll which now uses Chase Bank and Chase Bank refused to cash my check and also refuse to allow me to open a bank account there I asked to speak with the banker to open account they said no they're all booked up for the day offer me a option for a future date ..... 

In addition to that the representative that helped me said that I can not open account cash a check and then close it she accusing me of committing some type of fraud and I make no suggestion that I was going to do that I actually live right down XXXXhe street and it's more convenient for me to have a bank account with that company especially since my company will be issuing checks on that bank now.. 

The location is bank is a Chase Bank that is in XXXX California located on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : 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 : 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 with 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: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Shellpoint Mortgage Servicing regarding the handling of my mortgage account during a forbearance government plan I entered into last year, from XXXX to XXXX. 

At the onset of the forbearance period, I was reassured by Shellpoint Mortgage Servicing that participating in this program would not have any negative impact on my credit score. Furthermore, I was informed that upon the conclusion of the forbearance period, I would be presented with various options that would similarly not adversely affect my credit. 

To my dismay, I recently discovered that following the forbearance period, during the subsequent step of a loan modification, there exists a trial period during which Shellpoint Mortgage Servicing reports the account as late, despite my consistent adherence to the payment plan they instructed me to follow. This revelation came to light two months ago, a staggering seven months after the commencement of this process, when I reviewed my credit report and was appalled to find a late remark attributed to this period. 

This situation has left me profoundly frustrated and disheartened. Maintaining a good credit history has always been a priority for me, and aside from this instance, there are no other adverse factors impacting my creditworthiness. I feel deceived and misled into making a decision that has had an unintended and detrimental effect on my financial standing. I placed my trust in Shellpoint Mortgage Servicing as a reputable financial institution, believing they would provide me with sound guidance to navigate this challenging period. Regrettably, the current outcome paints a starkly different picture. 

Despite my earnest efforts to rectify this matter, Shellpoint Mortgage Servicing has been unresponsive, and any correspondence received merely reiterates their stance that the situation unfolded as anticipated. This is in spite of the fact that my account remains in good standing, and I have consistently adhered to the agreed-upon payment schedule. It is disheartening to witness a lack of empathy and assistance from an institution that played an instrumental role in guiding me towards this course of action. 

I am reaching out to your esteemed organization in the hope that you can assist in rectifying this situation and, potentially, implementing safeguards to prevent others from falling victim to a similar circumstance. It is my sincere belief that financial institutions should act in the best interests of their clients, particularly when it pertains to federally mandated programs designed to provide relief during challenging times. 

I humbly request your intervention to help me navigate through this challenging situation and find a resolution that is fair and just. I trust in your commitment to consumer protection and hope that your involvement will lead to a positive outcome. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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: Credit reporting or other personal consumer reports

XXXX XXXX is in progress but to make any changes they are asking for the same information so if they keep requesting the same information and wont let me change anything it is difficult obvious duplicates timeline likely would make it inaccurate otherwise mostly residence numbers. 
The rest they did start to work on. But if I cant respond it could go either way. But if being worked on I will be patient as long as they keep me posted although I still see a few that I know I would not have within a couple weeks so I hope that they notice XXXX XXXX XXXX XXXX NH and XXXX XXXX XXXX XXXX nh date is a little close so likely unless other reason I did have XXXX XXXX XXXX. 
Equifax wont even answer if asked to call so Im hoping they make progress equifax has been the most difficult of the three to get anything done any which way. Kind agent if you do get through gets me nowhere. Nothing so something is not okay. Called to let them know I mailed W2 and current utility bill no answer yet most difficult of all 3. No excuse
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding an internal investigation of the following credit reporting companies : Equifax, XXXX XXXX and XXXX. I have found that these companies aren't governing themselves according to the Fair Credit Report Act. I've disputed on numerous occasions the inaccurate reporting of my consumer reports regarding the late payment history. According to the FCRA Section 603, 15 U.S. Code 1681A titled definition : Rule of Construction ; defines paragraph 2 exclusions - except as provided in paragraph ( 3 ), term " consumer report '' does not include '' ; ( A ) subject to section 1681s-3, of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Therefore, the following accounts which are within my credit report ; the payment history must be REMOVED ; based on these EXCLUSIONS of the rules. These accounts are as follow : 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 Equifax XXXX XXXX Equifax 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 As stated , these companies are not abiding to the " Rule of Construction/Exclusions per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly a collection on the XXXX account numbers - XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have attached two statements from XXXX XXXX that clearly show an accurate payment history of these accounts, with no late payments and no balance due. I have also attached an updated credit score from FICO dated XX/XX/2019 stating TX XXXX  XXXX XXXX account balance went from {$2600.00} to {$0.00}. This incorrect reporting and coding of these line items on my credit report are harming my credit score.
Product: Credit reporting or other personal consumer reports

I'd like to emphasize once more that I have been a victim of identity theft. According to Section 605B ( a ) of the Fair Credit Reporting Act, it is mandatory for you to promptly remove or block any accounts or items that were opened without my knowledge, consent, or authorization. This action should be taken within four business days, provided that I provide : ( 1 ) sufficient evidence of my identity, ( 2 ) a copy of an identity theft report, ( 3 ) clear identification of the disputed information, and ( 4 ) a statement confirming that the information does not pertain to any transaction conducted by me. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681section 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: Credit reporting, credit repair services, or other personal consumer reports

I have already contacted the bureaus about inaccurate and fraudulent information appearing on my credit report. I AM DEMANDING THAT YOU REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY OR ELSE I WILL BE CONTACTING THE LEGAL AUTHORITIES AND PURSUING A LAWSUIT. I have attached the notarized copy of my demand.
Product: Credit reporting or other personal consumer reports

Creditor information ALLY FINANCIAL XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXXXXXX XXXX XXXX  You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX & Account # XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Cloarly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.