23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I took out a reverse mortgage in XX/XX/XXXX. It was initially serviced by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, MI XXXX. The servicing was later transferred to OCWEN, XXXX XXXX XXXX, XXXX, MI XXXX. ( The identical address leads me to suspect it is the same company with a different name. ) I believe this company is overcharging for the Mortgage Insurance Premium ( MIP ) required for reverse mortgages by nearly 300 % when one takes into account their interest rate and their methodology for calculating payments. 
In reviewing my annual statement, OCWEN is charging the Mortgage Insurance Premium ( MIP ) at 1.25000 % annual rate or 0.00342 % daily periodic rate, or 0.10417 % monthly periodic rate. Looking back at previous annual statements, ( see attached ) Liberty/OCWEN charged this rate every year on a monthly or daily basis instead of an annual basis thus further compounding the interest owed. According to Hud.Gov website regarding Reverse Mortgages ( HECMs ), under their heading HECM Costs, it states, " You will be charged an initial Mortgage Insurance Premium ( MIP ) at closing. The initial MIP will be 2 %. Over the life of the loan, you will be charged an annual MIP that equals 0.5 % of the outstanding mortgage Balance. '' Therefore, since XX/XX/XXXX, I have been overcharged at the rate of 1.25 % for MIP instead of HUD 's maximum rate of .5 %, and by assessing this charge monthly or daily, instead of annually as per HUD rules, it has grown exponentially larger than it should have. Speaking directly to the company has not been helpful.
Product: Credit reporting 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 Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX has violated my rights. Or list of inquiries 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

Under XXXX USC XXXX ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

In XXXX, I entered into a commercial lease agreement for a property in XXXX XXXX XXXX, California. I fulfilled my lease obligations for approximately three years until the COVID-19 pandemic severely impacted my business operations due to the stay-at-home mandate implemented by the State of California. As a result, I was unable to complete the remaining 18 months of the lease term. 

These were unprecedented times. The nature of the pandemic had a severe impact on businesses. I believe the following legal doctrines may provide grounds for relief from my lease obligations : 1. XXXX XXXX : The lease agreement included a force majeure clause that should excuse performance due to extraordinary events beyond control, such as a pandemic. 
2. Frustration of Purpose : The primary purpose of the lease was frustrated as the business could not operate during the pandemic, making the continued use of the property impracticable.

3. Impossibility/Impracticability : The government-imposed restrictions made it impossible or highly impracticable to fulfill the lease obligations. 

In spite of the challenges I faced the landlord has sold my alleged debt to Fidelity Creditor Services under account XXXX and I have suffered years of misconduct. 
The collection agency has engaged in the following unfair and unlawful practices : XXXX. Re-aging the XXXX : The collection agency has re-aged the debt, marking it as opening in XX/XX/XXXX, which is inaccurate and misleading. 
XXXX. Inflated XXXX : The balance reported by the collection agency is significantly higher than the original debt without any justification or itemization. 
XXXX. Failure to Validate Debt : The collection agency has refused to provide validation of the debt or any proof of their right to collect the debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Inaccurate Credit Reporting : The collection agency has reported this inaccurate debt information to major credit reporting bureaus, damaging my credit profile without proper validation. 

The actions of XXXX XXXX XXXX constitute violations of the following : XXXX. Fair Debt Collection Practices Act ( FDCPA ) : The failure to validate the debt and the re-aging of the debt are clear violations of the FDCPA, specifically sections XXXX ( false or misleading representations ) and XXXX ( validation of debts ). 
XXXX. Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of debt information to credit bureaus without proper validation violates the FCRA, which mandates accurate and fair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capital One payment due date is on the XXXX of each month. 
I made a purchase three days after the XXXX and Capital One sent that payment as a debt to the Credit bureau 's. 

Capital Ones reasoning is that it doesn't matter if you make all of your purchases and payments within your payment due date of the XXXX of each month. If you make a purchase within your billing cycle ( which is until the XXXX ) any purchases made during your billing cycle date on the XXXX will be sent to the credit bureau. 
( This is partly due to time zone differences, so if you make a purchase and a payment before XXXX XXXX  EST and you live in PST you need to make a payment on the XXXX by XXXX PST or else it will roll over to the next day as a late payment and will be sent to the credit bureau 's as a debt ) Which is what happened to me. 
On my main page of my capital one account there is no reference of a billing cycle, just the due date of the XXXX. 
When I click on view statements and the box for ACCOUNT pops up, there is no reference to a billing cycle of the XXXX, and only references the payment due date of the XXXX as well. ( billing on the XXXX is only found when clicking off of the main page and in small writing off to the right hand side it mentions a billing cycle. ) I made all of my payments within the XXXX of the month which is my payment due date, regardless if I made purchase within the dates of my billing cycle, those payments made are out of the range of my payment due date since the purchase was made after the XXXX of the month. 
Moreover, I made a payment on the XXXX that wasn't processed until the XXXX of the month due to the fact we are in different time zones. 

I contacted the credit bureau and filed a dispute, they removed the false debt from my credit report, but as a result, my credit score had dropped -25 points.

I was told that I can only dispute items on my credit report ( by the bureau ) and to contact Capital One to send this information to them for correction. 

I mailed a letter to Capital One with printed documents and a written statement explaining my case # : XXXX for my account ending in XXXX and Capital one responded stating to contact the Credit bureau ( even though they agreed that the credit bureau only disputes items on my credit report and that a decreased credit score is not an item to be disputed with the cb. Capital One told me to mail this evidence to their " Credit bureau resolutions '' team, but they did not resolve anything nor did they offer any assistance. 

This letter to capital one and case # was filed after I had spent many hours on the phone with Capital One customer assistants, Managers, and Dispute claims departments. It did not matter, they all treated me horribly and they did not help me at all. 


My name is XXXX XXXX DOB XX/XX/1991 and my phone number is XXXX XXXX XXXX XXXX
Product: Mortgage

About XXXX years ago, I refinanced my home with a local bank. Upon the refinance I asked the mortgage banker if there was anything I needed to do in the process. I was assured that if I e-signed all the documents that were sent to me everything else would be handled. Apparently that was not the case. When my loan changed lenders, my insurance company was not notified. As a result they dropped my insurance. My loan was sold to another company after the local bank completed the re-fi. They did not have an active insurance policy on hand so they took it upon themselves to get me a new one and added the policy amount to my XX/XX/2022 payment which made my payment for the month almost {$500.00} more than normal which I was not prepared for. I was unable to make the payment and shocked to see that it had gone up so much. I immediately contacted the company and that's when they explained they didn't have any insurance on file for me. I then immediately contacted my insurance broker and they stated they would work right away to get my policy back. They had received approval from the previous company to reinstate it and were waiting for payment from my mortgage company to complete the transaction. My mortgage company never sent the payment after weeks of my broker requesting it. For nearly the next XXXX weeks I went back and forth between the insurance broker and the mortgage company trying to figure out why nothing had been resolved so I could make my normal payment. After getting both the mortgage company and the insurance broker on the line at the same time, the mortgage company finally said they hadn't sent payment because the broker never sent an invoice, and the broker stated that on ALL the previous calls that were made, it was never stated that was needed. This was nearly XXXX weeks later. I made every effort to keep everyone necessary in the loop about what was going on but the mortgage company proceeded to report my payment as late for the month of XXXX. Since then they have put me on a repayment plan but continue to report late payments for my mortgage which has lowered my XXXX XXXX over XXXX points since XXXX and now it's affecting my ability to get loan financing to purchase another home. I requested a review of the credit reporting to have it removed. I received a letter from them stating it's still under review but no determination has been made. This whole situation has been a huge inconvenience. The whole reason I refinanced was to lower my monthly payments and because of the poor communication from my mortgage company to my insurance broker my payment has significantly increased monthly. My broker was unable to reinstae my old insurance policy as the company it was using required payment by a certain time that had not been honored due to my mortgage company not following through with the payment in a timely fashion. I had to get insurance on my own which was XXXX times more expense than my previous policy because there had been such a long break in my coverage. I would like the negative reporting to be removed expeditiously so that I can move forward and not be negatively impacted financially.
Product: Credit reporting or other personal consumer reports

Ive had two data breaches in the last 4 years so I need the following to open as stated under...

15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. Congressional findings and statement of purpose The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

On XX/XX/2023 I used my debit card at a gas station and it was declined due to square flagging it as fraud. They refuse to give access to my money and rejected incoming checks that were written days before square froze my account which caused more fees and problems. They refuse to tell me why my gas station charge counts as fraudulent activity.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and found I have several not even several lots of inquiries on my account that I never authorized. I have XXXX XXXX on XX/XX/XXXX several XXXX  for XXXX. Theres XXXX XXXX on XX/XX/XXXX there not authorized XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX XXXX  three of those on XX/XX/XXXX XXXX  XX/XX/XXXX some that are XXXX XX/XX/XXXX XXXX  I got preapproved to buy a car from XXXX  XXXX. I went to the dealership and with my preapproved letter and now Im seeing several Auto inquiries on my account, which I never authorized, and I mean there are, not just a couple I mean lots of inquiries from auto dealerships and after pulling my credit I had bought a car a year over year previously and I also had a preapproved letter from XXXX  XXXX and I see that they did the same thing at that time I have probably like XXXX inquiries on my account Where they know where I was trying to do a credit card and I did authorize you know for them to pull my credit and one time is what I was you know authorizing and I see where they pulled it like three times when I authorized XXXX time and I have like hundreds of these on my credit report And Im being denied credit because of all of these. I did have incorrect addresses on my report that I have been trying to get corrected. I contacted several of the companies and they said if they are in there then I requested it.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX, experian, and transunion. They have gone unanswered and the errors on my report are still there. I keep getting a letter back saying im not the one sending them in. I am personally sending them in so I do not understand. Please assist me and getting my credit report fixed.
Product: Credit card or prepaid card

On XX/XX/2022, I received notification that a credit card on my account was located out of state. I figured it was a fraud call so I logged into my online banking and in fact saw a list of transactions that were not done by myself or my authorized user. We confirmed that both of our cards were in fact in our position and were unsure what had occurred. We called chase and they informed us that 2 different cards were issued out in my authorized users name, one we received and the other we had no knowledge about. They quickly shut down the cards and issued a temporary credit for all the fraudulent charges and sent over 2 new cards. Fast forward to XX/XX/2022, Chase notified me that out of all the fraudulent transactions they are only accepting the claim for 4 of the transactions. I informed them there must be some type of error because those 4 transactions that they accepted occurred in the same timeline as the other fraudulent charges. They requested further documentation, I submitted a police report with the fraudulent acts and Chase is still giving me a hard time resolving this. Chase isn't resolving a dispute about the purchases and they quickly rush me off the phone every time I call in to inquire about it. When I opened up the account I was told " Cardmembers are not responsible for unauthorized charges made with their card, and we encourage customers to alert us if they notice anything unusual with their account. '' So why are they giving me such a hard time? I have been using my card religiously and make all my payments on time. This is not fair and it has brought an unnecessary level of stress and anxiety on myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my address is wrong on my credit report it need to be updated XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX TransUnion XXXX I never lied at XXXX XXXX XXXX XXXX nj XXXX
Product: Credit card

I have been a attempting to close my Destiny Card ending in XXXX. I can not get a hold of a human at this company. There is no email address. No one answers the phone. They have a XXXX XXXX  for correspondence. It's ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

contacted Wells Fargo about dispute on a micro center credit card. When I contacted them they said they would file a dispute. I waited about XXXX weeks never heard anything called them back and was advised that they closed it and I would need to contact the store directly. They never once advised what was going on, how to plead or prove my case or provided any help. The representative was less that helpful and did not provide what was needed for complaint. When I asked about my rights, she was just silent. They did nothing to help except give a phone number to the store for yet another unhelpful person. The first person told me that I would not be responsible for charges on the account until they investigated. If I did not call to follow up I would have default on the debt because I believed it was under dispute. It was underhanded and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TRANSUNION credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 




The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and the CORRECT Address is XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX. 



I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.