23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company of 11years has in the last two years failed to provide the credit reporting agencies with accurate information. In fact rather not send any info at all. I have confronted them about this. I have been given a bill of goods by their reps including someone who claims to be the vice president of the XXXX office. She has sent several emails claiming an attempt to resolve the issue when I have learned thru talking directly to XXXX and the other credit report agencies, she has lied. This has become a standard for them. Send out excuses, deflect and deny any responsibility. In the past two years, a merger, or take over of the original mortgage company has occurred. 
After several months of being lied to by these individuals, I contacted the State 's Attorney General 's Office in XXXX, they agreed to look into this matter solely based on the fact that several other customers have made the same complaint against my mortgage company. My patience has run out and I need someone to force the compliance and laws governing this lender. The States Attorney Generals office of New Mexico is continuing to investigate this but I fear in talking to them, it wont be enough.
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 U.S. Code 6802,15 U.S. Code 6801, 15 USC 1681. 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 XXXXXXXX, has violated my rights. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

The institutions have not furnished all 3 items above required by law. 

15 U.S. Code 6801 - Protection of nonpublic personal information Each of these companies has violated my rights by reporting information to the credit agency, or I will be filing a lawsuit against the financial companies and the credit bureaus for violation of my rights.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I signed up with XXXX XXXX  for a free trial. After a few days if I did not cancel I would be charged $ XXXX for XXXX months. I canceled with XXXX XXXX  in the time allowed. I never used or received any product from XXXX XXXX and I requested in writing to cancel. 
XXXX then said I owed the money. I replied to their emails saying this should be canceled but their address came back " no-reply. '' I attempted to find another email and phone number but nothing was included in any of the information. I then found where they said you could write to their office if you needed something. I then wrote a letter explaining and asking to cancel. No response was given. 
Since then I have received XXXX texts and emails from XXXX threatening me to pay them or they would report to the credit bureau. I replied to each text - Cancel, etc. XXXX  then reported to the credit bureau I did not pay them. 
Again, I canceled in the right amount of time. Did not receive anything from XXXX XXXX  - the loan for which XXXX says I am responsible. 
XXXX continues to harass me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX never been late XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraud Account XXXX XXXX XXXX XXXX XXXX Fraud Account XXXX XXXX XXXX XXXX XXXX Fraud Account XXXX XXXX XXXX XXXX XXXX XXXX Account The accounts above have been listed on my credit incorrect. The accounts have been reported to the Federal Trade Commission ( FTC ) as a result of identity theft, and I am formally notifying you that these accounts was opened fraudulently and is not my responsibility. I did not authorize or open the accounts and I have taken steps to resolve this matter, including filing an identity theft report with the FTC and XXXX enforcement. Under 15 U.S.C 1681 c-2, the Fair Credit Reporting Act ( FRCA ) provides that if a consumer reports fraudulent activity, they are entitled to a prompt and fair investigation and any fraudulent information must be removed from their credit reports. As I have filed a formal identity theft report.
Product: Credit card

I reached out to Capital one to dispute a charge of {$220.00} due to missing my flight with XXXX XXXX, flight number XXXX on XX/XX/XXXX2024, originating from XXXX XXXX XXXX to XXXX Ohio. 
Unfortunately, I was unable to make my scheduled flight due to an unforeseen circumstance where I was pulled aside by TSA for additional screening, resulting in me missing the boarding time. This was beyond my control, and I made every effort to proceed through security as quickly as possible. 
Upon missing my flight, I contacted XXXX XXXX staff at the airport, who informed me that the next available flight would incur a charge of over XXXX XXXX dollars for rebooking. I declined! I also reached out to XXXX which I booked through and everything was credited to the credit card. Because I had to pay for seats separately XXXX refused to refund instead offering me {$220.00} that I asked to be reimbursed through my credit card because I will never book through them or fly with them. My experience was horrible and a lesson learned. After communication with Capital One on XX/XX/XXXX24 they wasted no time rebilling the charges. I then spoke with a representative that was rude and unprofessional. I closed my account and only want the {$220.00} removed.
Product: Payday loan, title loan, or personal loan

I received a Pre Approval through XXXX XXXX XXXX for a personal loan at a 13.99 % Rate through One Main Financial, I proceeded to validate that is information was correct before providing any credit information to anyone by visiting XXXX and checking my pre approval status there as well. I was once again advised I was being " offered '' two unsecured loans with One Main Financial with rates of 12.99 % and 13.99 %. I was asked to proceed to accept my offer, once I entered my personal information an inquiry was made on my credit and I was contacted by OneMain financial for a check stub and a copy of my drivers license. Once they obtained all of my personal information I was advised I was approved for 35.99 % interest. I advised the company I was not interested, I did not need the money and that I was simply trying to add a trade line to my credit to continue building it stronger since I was offered a good rate in this market. I advised them that they obtained my credit information by means of fraudulent practices and I wanted to have the inquiry removed and my personal information destroyed. They have refused to do this and stated that they will not remove the inquiry or my information under any circumstances.
Product: Credit reporting or other personal consumer reports

I have been on my credit report lately and have seen after many tries to remove inaccuracies from all three agencies i have not been successful. so to me this CONSPIRACY against my credit report must be reported. more that XXXX discrepancies are reflecting on trans union XXXX XXXX and Experian all XXXXnaccuracies that still hurt me and hinder me from living a productive life daily. In accordance with the fair house credit reporting act these credit reporting agencies have violated my rights under 15 usc 1681 section A section section 602 I have the right the privacy/ 15 usc 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instruction./ 15 usc 1666b a creditor may not treat a late payment on a credit card account on an open end consumer plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block, Ink ) due to inadequate customer service, and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive as they did not reply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial losses. And I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has violated me as a consumer. I'm unaware how they've obtained my person information, but I did not give them permission to my personal information or consumer report per 15 USC 6802. XXXX XXXX XXXX began accessing my consumer report on XXXX XXXX XXXX for an amount of {$2300.00}.
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent accounts that were not opened by me, that I did not participate in, and were opened fraudulently by someone I knew. I have filed a police report and FTC identity theft report and provided this information in letters delivered via mail to each of the offending companies. All parties involved have received my FTC Identity Theft Report as well as police reports. Experian, XXXX, XXXX, XXXX XXXX, and XXXX have all denied my requests to block this fraudulent information saying they verified it. This is a lie on their part. They did not verify the accounts or their balances belong to me. A tenant who rented at one of my residences stole my identity and opened accounts in my name after stealing my computer. While the offender is currently deceased due to a drug overdose I am left to fix the debt myself with apparently XXXX help from these companies. I am accusing the companies of negligent FCRA violations in their handling of this investigation. The accounts in question are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2017 went to the bank Navy Federal Credit Union, to withdraw {$20000.00} dollars, for family support, was advised by the teller, the account was restricted. Spoke with asst mgr, XXXX XXXX, ( no help at all ) who stated the security dept has placed a restriction on the account to do an investigation for fraud. Advised no fraud on account, spoke with XXXX the manager who I gave the names of the persons who wired the monies. As of today, the account is still restricted ( 23 days ) no notification given by the security dept other than I would be notified when the issue was resolved. Is this a good explanation for you, not for me. This continues to this day I have been hung up on via telephone by supervisors, provided no information concerning the investigation. I am unable to pay my bills, there are about {$500.00} overdraft fees accrued on the account, due to not being able to move money. I have written to the President of the Credit Union, and received no response back. Please help
Product: Debt collection

I am writing on XX/XX/2022 & XX/XX/2022 I received written notification that my account from XXXX was being collected by XXXX XXXX XXXX, XXXX XXXX on the behalf LVNV Funding LLC for the amount of $ {$1300.00}. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. XXXX XXXX XXXX, XXXX XXXX XXXX LVNV Funding LLC XXXX and Resurgent Companies, has violated my privacy. All three credit bureaus are already violated my privacy by reporting LVNV Funding LLC on my consumer reporting file. I need some help with matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I encountered a billing error and never received the correct billing statement, which caused confusion about the payment due date. Additionally, the late payments notices arrived after I had already made the payment. 
There was also a clerical error where my payment was applied to the wrong account, causing a delay in processing. 
I provided bank statements, payment confirmations, and proof of the communication with the creditor where these errors were acknowledged. Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

Medical bill paid on XX/XX/XXXX, {$240.00} dollars owed to XXXX XXXX, XXXX and XXXX XXXX, XXXX, OK XXXX, USA. Debt was incurred out of Medical Services provided on XXXX XX/XX/XXXX and insurance company refused to pay it since they said I had moved from Oklahoma to XXXX and insurance did not cover overseas medical insurance charges. XXXX XXXX failed to notify me to my email address since they had the wrong email address and since I had moved overseas, address and all had changed. I did not get any notification of this debt until XX/XX/XXXX and I went ahead and paid it off by phone with my Credit Card -- NO ISSUES. 

But, XXXX still went ahead and reported me to a Debt Collection Agency : TRANS WORLD SYSTES, debt collection agency. THEY have been harassment me daily, calling my overseas telephone number non-stop using a ROBOT-CALLING system daily phone calls that are mid-night here in XXXX due to XXXX hours TIME DIFFERENCES. 
Number they call me from : XXXX, I have contacted their representatives time and time again without much success. They always assure me that it will STOP it never does. POC that  company is XXXX XXXX XXXX XXXX ... .it is totally inappropriate to be continued harassment me like that even though I already paid of the DEBT.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credict reporting act XXXX acounts # XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A State 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 instruccion
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN CONTACTING ALL THREE OF THE CREDIT BUREAUS TO CORRECT MY CREDIT REPORT UNDER MY SOCIAL THEY HAVE ON FILE SINCE XX/XX/XXXX!! NOT ONCE DID I RECEIVE ANYTHING IN THE MAIL IN REGARDS TO MY INVESTIGATION. THIS IS RIDICULOUS I AM TRYING TO PURCHASE A HOME AND FIX INACCURACIES ON MY CREDIT REPORT AND NOTHING HAS BEEN SOLVED. AT THIS POINT I AM DISTRESSED MY THE NEGLIGENCE ON THEIR BEHALF.
Product: Mortgage

Mr. Cooper was my mortgage company for a property I purchased. 

A couple months prior to expiration date of my property mortgage insurance, my insurance agent and I faxed and emailed reinstated proof of insurance for the property covering XXXX XXXX, XXXX through XXXX XXXX, XXXX. 

After receiving non-renewal from Mr. Cooper, I called. Emailed and faxed over the proof of insurance. My agent also emailed the proof of insurance. 

Mr. Cooper sent me non-renewal letters after that to which I called and asked how many times do I and my agent need to forward the proof of insurance before Mr. Cooper updates their file. 

On XXXX XXXX, XXXX, after receiving another non-renewal letter from Mr. Cooper, I called them. ( As of XXXX XXXX, XXXX, Mr. Cooper mortgage transferred my loan to XXXX XXXX XXXX ) I found out on XXXX XXXX, XXXX that Mr. Cooper has been billing me for home insurance policy and that Mr. Cooper paid out {$1100.00} on my behalf for this insurance. I was told my loan account showed having two policies. Mr. Cooper actually got an insurance for me and has been billing me. I have been paying this without knowing!. A lady named XXXX at Mr. Cooper told me I will be receiving a refund check within 5-10 days. 

I still have not received it. When I call Mr. Cooper, I was put on hold and after few minutes, I would get cut off.
Product: Credit reporting or other personal consumer reports

I do not recognize these accounts, investigate and delete from my credit file. My personal information has been exposed. These accounts are XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address an ongoing issue regarding unauthorized inquiries appearing on my credit report. Despite my previous attempts to resolve this matter, the unauthorized inquiries continue to be reported, and it is imperative that they be promptly investigated and removed to ensure the accuracy and integrity of my credit profile. 

Upon reviewing my most recent credit report dated XX/XX/year>, I have noticed that unauthorized inquiries are still being reported. These inquiries were not initiated or authorized by me, and their presence on my credit report is both concerning and damaging to my creditworthiness. 

Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> I want to emphasize that these unauthorized inquiries do not reflect my credit behavior or financial activities. Their presence on my credit report may lead to misconceptions about my creditworthiness and could potentially impact my ability to obtain credit or other financial opportunities.
Product: Credit card or prepaid card

I bought a telephoto lens bundle from XXXX. The order was delayed/lost, so they let me order the same lens but from a different seller. However the first seller XXXX XXXX XXXX claims their lens was delivered but I never got anything. This issue has been brought up multiple times with XXXX and they've sided with me claiming there's no evidence of the lens being delivered and even in their system it says the item is still in transit. XXXX SYNCHRONY BANK however refuses to refund me back the credit. I've opened multiple disputes and they keep declining them. Their emails keep saying " the seller claims that you received your item so no refund will be issued ''. They provide no proof, no delivery date, no pictures, and aren't cooperating with me or XXXX. This issue has been on going for over a year and a half now.
Product: Mortgage

Dear CFPB, My servicer is Carrington Mortgage Company. I have had issues with them in the past and right now I am very fearful as they are not abiding by the Cares Act. My loan is a FHA loan and I have had perfect pay history. At this time I have had a substantial loss in income due to Covid 19 and being XXXX XXXX  I was denied unemployment. I requested Carrington to assist me with their Covid assistance and they placed me in a 90 day forbearance and sent me the attached letter that I did not need to make any payments during these 90 days and that negative reporting would not take place. However, when I started to receive mortgage statements the total amount due continues to accumulate and they are charging late fees. Immediately, Monday XX/XX/XXXX I contacted them to ask why and how this was going to be handled at the end of the 90 days as the letter and the initial representative stated that we would NOT have to make payments during the 90 days. This representative stated that it was because at the end of the 90 days I was going to be REQUIRED to pay ALL of those 3 months back no later than the last day of the 90 days. I stated how this could be possible? It would be impossible! I needed it to be applied to the existing loan somehow. This would be the only way. I quickly went to your website and HUD.gov to gather more details on how this was to be allowed with the CARES Act and I ready that they CAN NOT require us to repay in a given lump sum as they are trying to do. I completely understand that I still owe the months missed, but just as your site states I should be given two options 1 ) Pay back monthly over a given period of time increasing the existing monthly obligation or 2 ) A junior lien which would make much more sense of course. This is despicable that I had to speak with 4 people including a " Supervisor '' that had no clue that this was not going to be permissible they are causing a lot of anguish and quite frankly in violation here. What constitutes their " qualification '' for requiring us to repay this lump sum? They are stating that they are in compliance with CARES Act and that their investors have the final word. I do not want to ruin my credit over this and simply want them to abide by this as this was part of the stimulus. Please note the attached letter they mailed me initially stating that I was in fact in a forbearance and that I would NOT be required to make any payments during the 90 days. However, it is very general and open ended and does not however state that a lump sum WILL NOT be required, yet over the phone they are telling us this! I told needed this in writing and they refuse to provide it having me on pins and needles to wait until mid XXXX! Thank you for your assistance in this matter.