23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Discussed the information with Transunion that XXXX charged off in XX/XX/XXXX, now a new charge off is on my account stating the account was closed in XX/XX/XXXX. I 've never been notified about this bill being reinstated..the debt was not reporting on my credit 5 years ago, or even 2 years ago. It 's already affected my credit in XX/XX/XXXX for seven years, I 've been turned down credit recently, and now I 'm being given additional negative reporting against my credit beyond the original 7. I was XXXX when my debts accumulated. Trying to recover my credit and get back on my feet. Disputed with Transunion and a non- English speaking individual told me that my credit report that was disputed looked correct. Even after saying the debt is more than 7 years old. First charge off was XX/XX/XXXX, this charge off is XX/XX/XXXX, no other collection company is listed. No bills or collection companies have notified me. Why do they get to put this back on my credit after being on there for 12 years ago? And yet the XXXX guy said it appears to look correct? What? The last guy I spoke with asked me to show proof of the first charge off..?? Until I mention if he notice the last payment was on XX/XX/XXXX. What kind of company waits 12 years to charge off a second time? Not just once in XX/XX/XXXX but again in XX/XX/XXXX. 

This was my third dispute. One online, two on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS INCLUDING " XXXX XXXX XXXX '' I HAVE NEVER DONE BUISNESS WITH THIS COMPANY! THE ACCOUNT WAS REMOVED AND THEN PUT BACK ON MY CREDIT FILE!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is showing on my transunion my account is 30 days late when the money is auto deducted from the account the bank stated the company never attempted to take the money of the account I then made a double payment for their error and the money had been auto deducted from the same account since then and have received every payment with no problem and I need this late status removed from my account I made double payment and account is current XXXX a representative at the company has written a statement in my behalf to have this corrected on my account I have bank statements for documentation and also reporting 30-60days on my XXXX  account
Product: Credit reporting

There is a collections account on my transunion credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following Companies has violated my rights : XXXX XXXX XXXX XXXX  stores XXXX # XXXX XXXX ) XXXX Acc # XXXX XXXX ) XXXX XXXX XXXXXXXX Acc # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX Acc # XXXX XXXX ) I XXXX XXXX XXXX Acc XXXX XXXX XXXX ) XXXX XXXX XXXX ACC # XXXX XXXX ) XXXXXXXX XXXX XXXX ACC # XXXX - XXXX XXXX ) XXXX XXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXXXXXX 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 XXXXXXXX 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 15 U.S.C 1681 Section 602 A ; States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; also states ; A consumer reporting agency can not furnish any account without my Proper written instructions.
Product: Debt collection

I am writing to dispute a collection agency, Optimum Outcomes, for reporting inaccurate information on my credit reports. I have disputed this information by requesting debt validation and have not received a response. This collection agency is inaccurately reporting in the amounts of {$290.00} and {$440.00}. I have never heard of this company and I am for certain I do not owe this money. I want both of these accounts removed from my credit reports immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Delta Management Associates is out of compliance with the CARES Act. 

In reference to XXXX, Delta Management Associates states, " Delta Managements Associates , Inc. ( Delta ) is in compliance with this Act as the garnishment payment in question had already been processed prior to this being put in place. This went into effect on XX/XX/2020 and the pay period for this check ends on XX/XX/2020. '' The CARES Act is clear about garnishment date. The pay period does not matter because garnishment did not occur on XX/XX/XXXX it occurred on XX/XX/XXXX, which is the effective date of the CARES Act. 

Furthermore, this answer from Delta Management Associate is different than their previous response. They are now changing their argument as they concede that XX/XX/XXXX is included in the CARES Act.

Now Delta Management Associates attempts to argue the pay period date, which is not included in the CARES Act. 

This is yet another attempt by a predatory company breaking the law.
Product: Mortgage

The homeowner has been trying to get a loan modification since XX/XX/XXXX. During this time Washington Mutual stated that the application was lost, re-apply. During the period of XX/XX/XXXX WaMu was acquired by XXXX XXXX XXXX XXXX XXXX. I have applied 4 times since with JP Morgan Chase only to be denied : without an explanation for the denial. 

On XX/XX/XXXX A notice of foreclosure was filed during a loan modification application, which began dual tracking against the homeowner. 

On XX/XX/XXXX a Lawsuit was filed against WAMU and JP Morgan Chase for Recession. A award was given for the amount of {$90000.00} and No loan amount further owed. 

On XX/XX/XXXX a decision was granted to homeowner for Rescission in favor of the homeowner. Case number : XXXX vrs JP Morgan Chase XXXX- XXXX. The Recission award was for {$90000.00} dollars. To this date I have not seen any account, nor was monies not received on behalf of homeowner. 

On XX/XX/XXXX the Court dismissed the above case without prejudice. I have not received any monies thus far. 

According to JP Morgan Chase the Principle Reduction was paid to MERS account # XXXX : the homeowner is not aware whos account this is? 

The 1st Statement of Foreclosure was sent to homeowner of XX/XX/XXXX. 
The second Statement of Foreclosure was sent XX/XX/XXXX. 
homeowners statement shows {$24000.00}. as of XX/XX/XXXX. 
Chase Bank has assigned a new processor : effective XX/XX/XXXX to XXXX " XXXX '' XXXX  XXXX. The XX/XX/XXXX will discriminate against the homeowner as will not begin ( this mannover is typical of shorting SMS client to advance foreclosue, and discriminates against the homeowner. The mortgage review and or new modification process : shorting the process by 2 weeks. 

The homeowner has a XXXX XXXX XXXX and show strong evidence that the following possible violations exist : 1. Broken chain of title.

2. No just standing 3. Gross fragmentation of the note to XXXX XXXX. 
The home owners XXXX audit produced in XX/XX/XXXX also show strong known robo signer participation in MERS documents and more. 
The Homeowner alleges the following investor, Master Trustee and servicers ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include : : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I went to Chase Bank at XXXX XXXX XXXX XXXX XXXX, IN XXXX. I arrived at about XXXX and waited for a few minutes. The receptionist asked me what happened. I said someone stole my SIM card she asked for my driver 's license and my debit card and said the account was fine but if you were really worried, we could help you change a fake phone number. I said sure. After it was done, she said : " Look at your Chase App on your phone. '' Then I opened my account and someone had withdrawn XXXX customer service XXXX XXXX XXXX XXXX, my wife and I entered the customer service office and we told him : " My identity was leaked and I need to close all my Chase accounts, including checking, savings, credit cards and my children 's accounts. '' Then he closed them all for me and opened a new savings and checking account for me. He is now helping us with the fraud department. I told them about our situation and got the case number at about XXXX. We can get compensation within 5 working days, so we went to XXXX XXXX XXXX to make a phone call, and then at XXXX I found that the money in my checking account was taken away by someone at XXXXXXXX XXXX USPS XXXX XXXXXXXX XXXX XXXX XXXXXXXX NJ - {$2000.00} ATM DEBIT XXXX XXXX XXXX XXXX XXXX NJ. - {$1000.00} ATM DEBIT XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX I went to find XXXX XXXX, and he called the fraud department and said that someone used my debit card to steal money, and then he opened a case and waited for 5 working days to get compensation. I received a withdrawal of XXXX and XXXX XXXXXXXX compensation for other I NOT received?
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, XXXX, Experian, & XXXX have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Product: Mortgage

On XX/XX/XXXX, I started a VA streamline refinance with Freedom Mortgage. I was originally told it would take only a few weeks to close the VA refinance. The last communication I received was from their contractor that performs the title work, who said everything was good to go around XX/XX/XXXX. Since that time, there has been zero communication from Freedom Mortgage. I have reached out and spoken with my customer advocate multiple time since XX/XX/XXXX and his response is that he doesn't know what is going on with the account or what is taking so long every time I speak to him. My interest lock-in agreement expired on XX/XX/XXXX. It's been two months since this whole process has been started.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1800.00} XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1200.00}
Product: Credit card or prepaid card

My bank XXXX XXXX submitted one of their bank checks # XXXX to Chase Bank in the amount of {$65.00} dated XX/XX/2019. However the check was sent to the wrong Chase account. The Chase account that the check was sent to was a closed Chase credit card account. My bank XXXX XXXX and myself were on a conference call to have the monies refunded. XXXX XXXX  opened a case for this transaction. However Chase Bank admitting that they cashed the check of which I have copies of front and back refuses to refund my money because I do not have an open account with them, although I have a number of other Chase credit cards. I have been on the phone with them a number of times. On XX/XX/2019 I was on the phone with Chase for 30 minutes and was informed that they could not help me and that I had to walk into a local branch where they would be able to resolve the issue. I went to a Chase local branch in XXXX XXXX and sat with a branch manager for over an hour and they refused to refund my money because I did not have an open account with them.
Product: Money transfer, virtual currency, or money service

I was attempting to open a online investment account with ( XXXX ) Investment services. after the final step which required me to apply my bank Routing number.The online investment service contacted me stating the my Bank, CAPITAL ONE is blocking me from attempting to have access to my Bank external information. After contacting my Bank Capital One i was told that i can not have access to this information, when i questioned that decision. i was told that maybe its because i have a " FRAUD '' alert on my account. What does a Fraud Alert has to do with me opening a online investment account?
Product: Mortgage

Mortgage servicer ( Pennymac ) is in clear violation of 12 CFR 1024.17. Pennymac is illegally withholding a significantly larger tax escrow payment then allowed under 12 CFR 1024.17 ( c ) ( 1 ) ( i ). I contacted Pennymac in XXXX and XX/XX/2022 and they have failed to reduce my monthly escrow payment, even though documentation was submitted to Pennymac to support the correct escrow amount. 

The loan originator estimated my annual property taxes at {$14000.00} ( {$12000.00} annual taxes + {$2000.00} selected reserve ). The monthly escrow payment is {$1000.00} of which approximately {$1000.00} go towards the estimated tax payment. 

The 2022 actual tax amount is {$5200.00}. Pennymac has knowingly collected at least 238 % of my actual annual tax payments. Under no circumstance is Pennymac 's escrow analysis reasonable, nor consistent with 12 CFR 1024.17 ( c ) ( 1 ) ( i ) or ( c ) ( 7 ).

As this property was a new build, the Loan Originator and Pennymac have an obligation to " In cases of unassessed new construction, the servicer may base an estimate on the assessment of comparable residential property in the market area. '' 12 CFR 1024 ( c ) ( 7 ). Armed with appraised value of {$740000.00} and known published millage rates for the areas, the Originator grossly failed to comply with 12 CFR 1024 ( c ) ( 7 ) by estimating an outrageous home value or clearly wrong millage rate.

My mortgage payment is approximately {$700.00} higher than it should be, solely due to this escrow issue. Pennymac refuses to update my escrow account and return to me the monies that they are in illegal possession of.
Product: Money transfers

MoneyGram, a money transfer company failed to protect me against fraud transactions. I was contacted by someone claiming to be from the IRS today stating that I owe back taxes and if I do not pay immediately, I will be arrested and detained for 72 hours. The caller was threatening to have me arrested if I do not pay within 40-45 minutes. As such, I made XXXX transactions to names in XXXX, IL through MoneyGram totaling {$5900.00}. I began to realize that this was a scam as I suspected that multiple transfers needed to be made. I called MoneyGram to stop the transactions but they could not refund me the 4 payments since it was already received. They did not have a process where they could have checked the background of the recipient or other preventive measures to avoid consumer fraud. I have complained to MoneyGram but they tell me they can not do anything about it. I am very upset, feel cheated, robbed and scammed. And I believe that MoneyGram is negligent and irresponsible by failing to protect the consumer. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXXand that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.
Product: Debt collection

On XX/XX/year> a debt collector Eastern Account Systems opened a collection account on my credit report. I am not aware of this debt. I was not given proper notification of this debt nor the opportunity to dispute this debt prior to it being put on my credit reports. If in fact this company believes I was given proper notice prior to this being placed on my credit report, I would like a copy of the certified notice with my name and signature on it making me aware of this debt and the opportunity to dispute before it was placed on my credit reports.
Product: Credit card

in accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX has violated my right and opened an account without my consent 15 U.S.C 1681 section 602 A.States i have a rights to privacy 15 U.S.C 1681 604 A Section 2 .It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

Denied full access to account.
Product: Credit card

Was requested by the State of Wyoming complaint number XXXX Important documents were mentioned in my index of documents but were not included by consumerfinance.gov Please add these documents to the complaint. 
Thank You XXXX XXXX
Product: Debt collection

I HAVE A DEBT ON MY CREDIT REPORT FROM CREDIT MANGEMENT FOR XXXX STATING FROM XX/XX/2010 ON BEHALF OF XXXX. I CALLED CREDIT MANAGEMENT, THEY STATED THAT I DID N'T HAVE ANYTHING IN THEIR SYSTEM FOR THAT CREDITOR OR THAT AMOUNT FOR ME, YET THEY WILL NOT REMOVE IT. FROM MY XXXX CREDIT REPORT
Product: Money transfer, virtual currency, or money service

I am writing to formally express any concerns regarding XXXX handling disputes, in recent light of the CFPB lawsuit highlighting significant issues with the platform. Dispute Zelle using numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims inadequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs indicate that Zelle has not only neglected to protect comsumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scam. The lack of accountability and transparency is unacceptable and raises serious concerns about the consumer safety.
Product: Credit reporting or other personal consumer reports

1. I am writing to dispute the inclusion of an account with XXXX Bank on my credit report. The account was a secured credit card that I opened on XX/XX/XXXX, and closed voluntarily in XX/XX/XXXX. The account was always in good standing and never had any late payments, as reflected in the payment history. 
The account status is listed as XXXX, XXXX XXXX, ' which is accurate ; however, I believe this account should not remain on my credit report until XX/XX/XXXX, as it is closed and no longer active. Keeping it on the report serves no purpose and may negatively affect how my credit profile is evaluated. 

2. I am disputing the accuracy of an account reported by XXXX XXXX XXXX on my credit report. This account pertains to a rental property shared with my former roommate, XXXX XXXX. We moved into the apartment with a {$1200.00} security deposit and paid our last months rent as required. 
The reported balance of {$1200.00} is inaccurate. The security deposit should have been applied to any outstanding charges, and there were no additional fees or unpaid rent upon vacating the property. Furthermore, I have not received any documentation or invoices from the original creditor, XXXX XXXX XXXX, or XXXX XXXX XXXX to validate this debt. 

3. I am disputing the accuracy of an account with XXXX XXXX Bank listed on my credit report. This account was opened on XX/XX/XXXX, as part of a credit-building program with a total goal of {$720.00}. The concept of the program was that I would make monthly payments of {$9.00}, then {$25.00}, and eventually {$35.00} until I reached the full amount, at which point the funds would be returned to me. 
However, I did not complete the payments, and the account was closed by XXXX XXXX Bank XXXX XX/XX/XXXX. While I understand the closure due to nonpayment, I believe the way the account is reportedshowing 30 and 60 days past duedoes not accurately reflect the nature of this credit-building program, as no money was borrowed or spent by me. 

4. I am disputing the accuracy of an account with XXXXXXXX XXXX listed on my credit report. This account was opened as part of a financing agreement for the purchase of a couch from XXXX XXXX in XXXX XXXX XXXX. The total purchase price for the couch was {$2000.00}, but the couch was never delivered despite several months of waiting. 
I contacted both the insurance company and the owner of XXXX XXXX, explaining that the couch had not been delivered. Despite this, the owner insisted that I pay a cancellation fee of 25 % ( {$410.00} ) for a product I never received. I never signed or agreed to pay this cancellation fee, and I refused to pay for something that was never delivered. 
As a result, XXXX XXXX reported a balance of {$4400.00} on my credit report, which I believe is inaccurate. The reported balance does not reflect the fact that the couch was never delivered, and I should not be held responsible for this charge.