23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter from a company called XXXX XXXX. In their letter, they stated they participate in the VA IRRRL Streamline Program. They stated in their letter that they do not require a credit score, appraisal fee, or a proof of income. When I called them I was told they do not require these things because it was satisfied when I received the initial mortgage through my original VA Loan that it was a program to refinance my mortgage at lower rates specifically designed to help veterans. I was then asked for my current mortgage lender 's information and asked to verify my address. From this point, the representative ( XXXX ) told me she would send this to a loan officer and I would hear back from someone on Monday. By Wednesday I called back because nobody had reached out to me and there was no answer so I left a voicemail. By Friday, nobody had called back so I called again. This time I was told I would be turned down because my credit score was too low to get a better rate. At no time did I authorize this company to run my credit because on their letter that they mailed to me it clearly stated the credit score was not needed to participate in this program. I asked the representative how this could happen and she apologized for the misleading letter and said it must be a typo. Furthermore, the credit score they said I had is not the same score that I see when I look at all three credit bureau reporting agencies, the score they reported was substantially lower by more than 50 points. I told her I found this was unacceptable and reported it to the Texas State Attorney 's Office and the Consumer Financial Protection Bureau.
Product: Mortgage

Ocwen  /  XXXX   XXXX . Sent me modification paperwork, while the paperwork was still under review  by Ocwen they submitted our home for foreclosure. I have never received any notice from Ocwen about  the foreclosesure. The only reason I know about the foreclosure is from all the advertisements in my mail as well as people driving by ( which is scaring my children  ) and pe ople calling me. I received notice  XXXX / XXXX /  XXXX   that  Ocwen will not modifiy my loan. Based on the modification letters and dates, Ocwen never planned to modify my loan. I still have never received any thing from Ocwen  stating they were going to foreclose. I am a single parent with  XXXX  kids at home,  XXXX  of the children are   XXXX   XXXX   XXXX   XXXX  and have special medical equipme nt. One of the  children was born   XXXX   XXXX   XXXX  , only has a   XXXX   XXXX  .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and spent over a month a  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX  level   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , he has   XXXX   XXXX   XXXX  . My children and I have been through alot.    Ocwen is terr ible with paperwork, dates, payments, amounts, etc. Their information is incorrect on most of their paperwork and documents. I sent them a QWR letter to request verification last year On some of the things I asked they could not respond since they did not know.   I realize this is short notice, but I just received the information.   Thank you for your time.    XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a balance due of {$8900.00}. The vehicle was sold at auction and sold for more than the balance due and owing and therefore this account should be reporting a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

I filed a complaint XXXX against Quantum Collections and XXXX for refusing to remove a debt that was paid in full. With that complaint I attached two bank statements showing payments totaling {$70.00} but somehow CPFB missed to see these payments. When CFPB received the late answer from Quantum Collections they may had overlooked my bank statements. 
Im highlighting the information to make easy to see. 
Please carefully review the facts and you will see that XXXX XXXX XXXX accounting is wrong. 
As per XXXX  statement provided by Quantum I was responsible for {$70.00} that were paid in 3 payments as follow : XXXX XX/XX/XXXX {$20.00} Paid by debit card at the office on the day of service see XX/XX/XXXX statement - attached Payment posted on XX/XX/XXXX. 
Also, you will see that XXXX XXXX XXXX is not showing the {$20.00} co-payment received on XX/XX/XXXX on the statement they provided to Quantum Collections. Why not? 

** XX/XX/XXXX {$30.00} Paid by debit card at the office see XX/XX/XXXX statement Attached Payment posted XX/XX/XXXX. 
** XX/XX/XXXX {$20.00} Paid by debit card at the office See XX/XX/XXXX statement Attached Payment posted XX/XX/XXXX. 
The total amount paid by XX/XX/XXXX was {$70.00} way before Quantum Collection acquired the invalid debt from XXXX XXXX XXXX. There should no collection fees since debt was paid in full before Quantum Collections acquired the invalid debt. 
I always disputed this bill with XXXX XXXX XXXX because their accounting is wrong, but all got is we need to call the office to verify that you made the payments and they would never get back to me. XXXX XXXX XXXX billing office is located at a different location. 
After reviewing these documents, you will see that XXXX XXXX XXXX omitted a payment received on XX/XX/XXXX for the amount of {$20.00}, simple they sold a useless bill to Quantum Collections and Quantum Collections is playing the part of ignoring to the fact so that they can recover what they paid for this invalid debt. 
Dear CFPB please review all documents summited by both party and you will see that Quantum Collection billing is wrong and invalid. 
Simply, debt was paid in full.
Product: Credit card

On XX/XX/2023 I made a purchase through the Afterpay app for an item from XXXX for XXXX USD. I returned the item in store on XX/XX/XXXX following the return instructions provided. I have not received a refund for the item nor do I have possession of the item. Afterpay is still charging me installment plan of 4 payments of XXXX USD. I contacted XXXX, the manager stated the refund was successful to the original form of payment. Then I contacted Afterpay who redirected me back to the merchant. I emailed the Afterpay representative the receipt with proof of return the manager provided me and they are no longer responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following have violated my rights : XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX 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 an account without my written instructions.
Product: Mortgage

I made a duplicate mortgage payment doe XX/XX/2019. I called the bank and the wells fargo mortgage holder. They will not rescind. I've already paid them and the next payment is not due till XX/XX/2019. This will cause me to default on upcoming obligations. I've missed no house payments and I called them as soon as I became aware of the discrepancy. They said their hands were tied. XXXX XXXX XXXX told me wells fargo could stop it but they won't. I need this payment stopped.
Product: Mortgage

I have been trying to work with them since XX/XX/XXXX. At that time I was only XXXX behind. NOW I AM ALMOST XXXX BEHIND.!!!!! I HAVE SENT DOCUMENT AFTER DOCUMENT TO THEM OVER AND OVER. THEY CALLED TODAY AND STATED THAT MY AWARD LETTER IS OUTDATED AND IT IS DATED FOR XX/XX/XXXX AND THAT THEY NEED DOCUMENTED INCOME FROM MY DAUGHTER INTO MY BANK ACCOUNT. IN ADDITION WE SENT A NOTARIZED LETTER STATING THAT MY DAUGHTER DOES NOT LIVE WITH ME BUT IF I NEED ASSISTANCE SHE WILL HELP. WE SENT XXXX PAYSTUBS AND XXXX BANK STATEMENTS FROM MY DAUGHTER. NOW THEY ARE ASKING FOR HER XXXX TAXES. WHAT DOES THAT HAVE TO DO WITH XXXX???????? YOU RECEIVED XXXX PAYSTUBS AND XXXX BANK STATEMENTS AS WELL AS HER EXPENSES SIGNED AND DATE. HERE WE ARE IN XXXX!!!!!! 8 MONTHS OF GAME PLAYING AND I AM SICK IF THIS. THIS IS WHAT THEY DO THE FARTHER I GET BEHIND I MAY NOT QUALIFY FOR ASSISTANCE. I AM SICK OF THIS GAME PLAYING. I WANT A RESOLUTION. THEY HAVE CONTINUED THIS GAME LONG ENOUGH. I AM NOT THE ONLY PERSON THEY HAVE DONE THIS TO.
Product: Credit reporting or other personal consumer reports

Request for Arbitration and Reinstatement of XXXX XXXXXXXX XXXX XXXX  Account I am writing to formally request Equifax and XXXX XXXX XXXX XXXX for assistance in the arbitration process concerning my credit report and the reinsertion of a XXXX XXXXXXXX XXXX XXXX  account from my credit file. 

Account Details : Credit Card Issuer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX Issue : The XXXXXXXX XXXX XXXX XXXX account listed above was recently removed from my credit report by mistake. This removal has negatively impacted my credit score and overall credit profile. I believe this action was in error and does not comply with the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report must be accurate and complete. 

Consumer Protection Law : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccuracies on my credit report. Additionally, Section 605B ( 15 U.S.C. 1681c-2 ) provides the right to request that the information be investigated and corrected if it is found to be inaccurate or incomplete. 

Request : I respectfully request that Equifax engage in an arbitration process with XXXX XXXX XXXX XXXX to resolve this matter. The goal is to reinstate the credit card account on my credit report if it is determined that its removal was unjustified.
Product: Credit card or prepaid card

Sent payment on XX/XX/XXXX for XX/XX/XXXX due date. It was deposited in Goldman ( for Apple Card interest free purchase ) account on XX/XX/XXXX ( have copy of check ). Ive chatted, sent copy of deposited check and called 3 separate times and Im receiving late notices still today. They keep apologizing but nothing gets done.
Product: Money transfer, virtual currency, or money service

Zelle transactions sent to the wrong person and was not able to get my money back.
Product: Debt collection

I received a letter from an attorney office, a debt collector, regarding an account closed 15 years ago, an auto lease that was returned when the lease was terminated. CASE NO FILE XXXX. XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX, XXXX Attorney XXXX XXXX XXXX XXXX. # XXXX XXXX Fl XXXX XXXX. 
A letter showing as a Subpoena Duces Tecum, I contacted this office to find out a little more about this own deb. The person I spoke with was vulgar and starting to treat never acknowledge that this was an attempt to collect a debt, and any information will be used again. Starting treating me that this was an old account for some services and because it is so old the original balance from {$300.00} is now over {$18000.00} and, they are going to do anything in their possible legal way to take things that I own treating to come to my house and take my stuff away. I explained that I currently own a car that now we are making payment on that car with Nissan Motor acceptance financial, and the account is in good status and is open. He started asking me for personal information about what I own in my name. When I refuse to provide that information, he treats me again by taking me to jail or court for a judgment. I told him I know the law and what he was saying was illegal. I requested no to be contacted since I'm no longer live at the address they sent this letter ; I also requested no to be contacted and advised that I will be filling this complaint
Product: Credit reporting or other personal consumer reports

Dear Equifax Customer Service, I hope this message finds you well. I am writing to request the removal of unauthorized credit inquiries from my Equifax credit report. Upon reviewing my report, I discovered several inquiries that I did not authorize : XXXX. XXXX XXXX, XXXX XXXX : XX/XX/year> It is important to emphasize that I did not apply for credit or authorize any of these companies to access my credit information on the mentioned date. As a responsible consumer, I actively monitor my credit report and ensure that all inquiries are legitimate and authorized. 

Furthermore, my Equifax credit report has an access alert, which requires lenders to contact me for permission before accessing my credit report. However, none of the aforementioned companies reached out to me for authorization prior to making these inquiries. This is a clear violation of the access alert and raises serious concerns about the security of my credit information. 

I kindly request your immediate assistance in investigating these unauthorized inquiries and promptly removing them from my Equifax credit report. Additionally, I would appreciate your guidance on how to prevent similar unauthorized inquiries in the future, ensuring the integrity and security of my credit information. 

Please provide me with a written confirmation once the unauthorized inquiries have been removed from my Equifax credit report. 

Thank you for your attention to this matter. I look forward to your prompt resolution and response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I made a phone call to TransUnion stating the accounts that were fraudulently on my credit report. In XX/XX/XXXX I filed a police report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a stated policy on rate shopping-copy enclosed. Multiple mortgage inquiries do NOT impact your score. I have 9 inquires. 5 of which are rate shopping inquiries over a short period. Should count as one.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear MCA MANAGEMENT COMPANY, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223. 

It has unequivocally come to my attention that MCA MANAGEMENT COMPANY has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for MCA MANAGEMENT COMPANY to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MCA MANAGEMENT COMPANY immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri identity fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MCA MANAGEMENT COMPANY will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Product: Student loan

In XX/XX/XXXX, I filed a prior complaint with the CFPB, number XXXX, regarding PHEAA 's incorrect determination of my qualifying payments for PSLF during my employment as a law clerk with the United States District Court for the XXXX XXXX of Pennsylvania ( XX/XX/XXXX, through XX/XX/XXXX ) and the United States Court of Appeals for the XXXXXXXX XXXX ( XX/XX/XXXX, through XX/XX/XXXX ). Following that complaint, PHEAA provided the attached list of its determination of my qualifying payments during these employment periods. Among other issues, PHEAA concluded that a number of payments for loan sequences 5 and 6 --  from XX/XX/XXXX, through XX/XX/XXXX -- were made under an " Ineligible Term. '' On XX/XX/XXXX, I called PHEAA and spoke with XXXX, a supervisor ( Employee ID XXXX ). I explained that I have documentation during this period that designates these payments as made under a " standard '' plan and asked why PHEAA determined they were made on an " Ineligible Term. '' XXXX told me that, because this is a consolidated loan, these payments were probably made on a " consolidated standard '' repayment plan, which is not a qualifying standard repayment plan. I asked XXXX to send all of the documents that PHEAA used to make this determination, and she said that PHEAA would do so within 24-48 hours. On XX/XX/XXXX, PHEAA sent me a message and letter, which are attached here. These documents have nothing to do with my request and do not shed any light on how PHEAA determined that these payments were made under an " Ineligible Term. '' I have not received any other information from PHEAA regarding this issue.

Please note that this is one of three complaints I am submitting today regarding my experience with PHEAA. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Executive Office President, I currently have an active account with you and I recently noticed my credit line decrease. I'm was extremely shocked and surprised when I checked my credit report today discovered that your company ran an unauthorized report on me on Today ( Tuesday, XX/XX/2020 ). 

As I mentioned to several of your representatives today, I did not authorize such an inquiry and demand that you contact all the 3 major credit bureaus ( XXXX, XXXX, andXXXX  ) immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report. I know that the FCRA states that the only purposes for pulling it in
someones credit report are : a firm offer of credit, insurance, court order, or employment ( which I DID NOT authorize neither of them ). I ask that you provide me with any signed documents OR proof that will prove this was authorized by me and if you are not able to I demand you to remove this as it is affecting my scores.

Thank you for your prompt attention to this matter.

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

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to to address issued regarding an account reporting inaccurately as collections on my credit report. This account has clearly an inconsistent and inaccurate history.
Product: Mortgage

I recently closed on a mortgage on XX/XX/year>. I made my first Payment on XX/XX/year>. I the received a letter from my Original Loan Servicer... 

GUARATEED RATE XXXX XXXX XXXX XXXX, GA XXXX Stating that my loan had been transferred to a new services ; .... 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX The account number I was given from my current loan servicer, for my new loan servicer was wrong. Trying to contact my new loan services to find out where to send my payment for XX/XX/year> was impossible ; Automated systems hanging up on me, information for my loan not in their system, hold times in excess of XXXX min. 

I finally went ahead and made my loan payment to my original services XXXX Guaranteed Rate XXXX XXXX on XXXX XX/XX/year>. 

Now finally I have found and been able to create an online account with my new loan services. The account number for my new loan services was completely different from the XXXX my previous loan services had given me. 

Now, of course, my account with my new loan services shows as past due. Why hasn't my payment been transferred from XX/XX/year>? its been XXXX weeks! 

This isn't rocket science, its 2024 these companies should have this down to a science by now. Do I make a XXXX payment for XXXX, will my payment be transferred to the new loan servicer, Have I just lost $ XXXX?
Product: Debt collection

I get a call or a letter from dynamics recovery, saying I owe a dept, i don, t owe this dept, talk to my bank they agree its a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My name is still not correct! With all 3 credit bureaus! Yes Equifax and XXXX added my name in full but did not add XXXX As a suffix. My first name is XXXX Middle is XXXX Last or sir name is XXXX my suffix is XXXX or XXXX. Therefore my name should read. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. Also during this major identity theft. You blocked some information wrongly. XXXX XXXX line of credit is only showing up on XXXX XXXX not on Equifax or XXXX. XXXX store credit card is only showing up on XXXX. Not on Equifax or XXXX XXXX. Also your companies blocked my auto loan from XXXX XXXX XXXX. XXXX XXXX was reporting this but it went off during the identity theft investigation. This auto loan was not an issue this was correct. The credit card with the same company XXXX XXXX XXXX was. XXXX  take off XXXX XXXX inquiries for the last time still on here.