23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Called today XX/XX/24 to tell them the covid 19 recovery modification documents did not explain why the partial claim is 44, 000 when our past due currently is 33,000.00 from covid 19 forbearance and the agent tried to say that that was with not including addtl taxes and interest which is wrong, my mortgage statement show the 33000.00 includes taxes and interest and principle. They want me to sign a loan modification with no explanation on why my partial claim is more than my past due, please help ( this is 2nd complaint here, first one no one responded, XXXX XXXX XXXX XXXX, XXXX, Mi XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Thursday I transfer {$2000.00} through XXXX on my chase mobile app. Then the person never respond me after.
Product: Mortgage

My loan was transferred to Carrington Mortgage ( previously with XXXX ) on XX/XX/XXXX. I was unable to access their online payment system and app initially ( I was told it needed time to be set up since the account was coded for bankruptcy, and that I was covered under RESPA for 60 days ). Not waiting any longer, I ended up calling them in early XXXX and made the XXXX and XXXX payments through a phone agent. I paid {$2000.00} for both XXXX and XXXX, even though the payment dropped to {$1900.00} in XXXX ( Carrington said their system wasnt reflecting the change yet ). They ended up putting the {$41.00} I overpaid in another recoverable bucket. They are pursuing me for fees through the Bankrutpcy that were already paid through the Trustee. Their most recent statement doesnt even reflect what they are attempting to recover, its just lumped into the payments. I paid {$1900.00} on XX/XX/29 to be joined with the {$41.00} overage I paid previously to satisfy XXXX payment. 

I should only be due for XXXX and only owe {$1900.00}. I also applied for an escrow shortage spread but have been given conflicting information on that as well. I attempted to contact their office of the president, but they do not have one. They just keep sending me back to the bankruptcy department.
Product: Debt collection

I have had recurring issues with Hunter Warfield attempting to collect a debt that I do not owe. In 2013, I disputed the entries that this company made to my credit reports. I was able to get these items removed from the credit bureau reports after I threatened to sue Hunter Warfield for its blatant violations of the Fair Debt Collection Practices Act. I recently became aware that they are continuing to report the same false information to XXXX XXXX XXXX. I am upset because I feel I have already made it quite clear to Hunter Warfield that this is not my debt and I will not be paying it, and that by continuing to report this debt they are breaking the law. Given the length of time that has elapsed, I am granting Hunter Warfield a grace period before I decide to exercise my right to take them to court for violating the FDCPA. I am hoping that the Consumer Financial Protection Bureau will be able to mediate this matter before I am forced to take this company to court.
Product: Debt collection

I have tried to reach out to Midland Credit Management about an account they allege I am responsible for. I have sent documentation on two separate occasions which they have never responded to me showing me proper documentation that I owe them.
Product: Credit reporting or other personal consumer reports

I got a call from XXXX XXXX XXXX offering to finalizes my non-existent personal loan application, agent stated that the obtained my information from TransUnion. I called TransUnion and provided personal information and after sitting on. Hold for 30 minutes the TransUnion agent asked for my phone and email incase we get disconnected, after providing my phone number the agent promptly disconnected the call and did not call back.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT REFUSES TO PROVIDE ME A WRITTEN OR DIGITAL PAYMENT HISTORY OF PAY- MENTS MADE TO XXXX FOR A CREDIT CARD FIRST OPENED ON XX/XX/XXXX. THIS HAS BEEN ONGOING SINCE XX/XX/XXXX. ALL I RECEIVE ARE A FEW CREDIT CARD STATEMENTS FROM XX/XX/XXXX AND XX/XX/XXXX AS WELL AS A BILL OF SALE DATED XX/XX/XXXX SHOWING MIDLAND ACQUIRING THE ACCOUNT FROM XXXX. THE BILL OF SALE STATES THAT ALL INFO PERTAINING TO THE ACCOUNT WAS TURNED OVER AND THE PAYMENT RECORDS ARE/WERE MAINTAINED IN THE BANK 'S DATABASE. I MADE MONTHLY PAYMENTS FOR YEARS TO XXXX AND MIDLAND IS UNABLE OR UNWILLING TO VERIFY MY PAYMENTS TO SAME. I WILL NOT AGREE TO THE ENDING BALANCE DUE UNTIL I SEE PROOF OF MY PAYMENTS. THE COLLECTION LETTERS KEEP SAY- ING MIDLAND WILL PROCEED WITH COLLECTION ACT- IVITY AND SAY NOTHING ABOUT FURNISHING MY REQ- UESTED INFO.
Product: Mortgage

I refinanced my primary mortgage in 2013 with a company called New American Funding. They did lower my rate but told me that I would have to pay MPI because I refinance was over 80 % LTV. During the refinance process, my loan officer XXXX XXXX XXXX ( employee of New American Funding ), told me my MPI would be for 92 months or until my LTV got to 80 %. I have requested my mortgage company to order an appraisal because I believe my house value is high enough to cover the loan at 80 %. When I did this, they told my I had to have the PMI for 11 years ( 132 months ) and that there was no way around it. My challenge is that I was told something else and my loan documents say my term is 92 months max.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, this creditor was sent a Debt validation letter in accordance to the Fair Debt Collection Practices Act ( FDCPA ) to verify all information regarding this account which included a demand to show legal consideration that was owned, given and used by creditor to fund this account. A demand for proof of consideration and full accounting accuracy as well as proof creditor did not receive bank credit from Federal Reserve using my social security number and account. This Creditor failed to comply within the maximum time requirement to reply and provide requested information.
Product: Debt collection

I received a letter from debt collector and I have no idea of what about because I have never had that kind of service. I was wondering how they have my information ( address, and my name ) I think this is fraud
Product: Credit reporting or other personal consumer reports

They are awesome that have been reported on my account that I have no idea of. I have been affected in the state of breach and I also do about the charges on my credit report. Im so confused because those do not regard me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the following fraudulent inquiries are removed from my credit report. I did not authorize any of the following companies to access my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXXThese are fraudulent inquiries, and request these are removed immediately. 

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 And XXXX XXXX  I have reached out to the companies, and bureaus by mail and phone to report these fraudulent inquiries. I have been exposed to several data breaches and also lost a personal wallet within the past year and that's why I do have the fraud alert on my profile. There has not been any investigation or signature presented to validate the authorization of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted credit bureaus XXXX, equifax, and XXXX I disputed items that were inaccurate on my credit report, and my scores are low and should be in the 620 to 650 range, but I download proof of documents showing I'm no longer responsible for the accounts, after the investigation they tell me they are not changing the information because credit says it's accurate when it isn't. Then they bar me from reviling another dispute. I have so many inaccurate accounts on my report that it causes emotional and financial stress to me because I can not get approved for credit.. Then the equifax and XXXX reports the same accounts twice driving up my debt to income ratio for amounts that appear on my credit twice. I have requested by phone talking with a very rude representative who refused to delete the accounts they are reporting twice. For example I have an arrears of XXXX with XXXX XXXX child support. The report the same account not once but twice making it appear that I'm XXXX in debt with child support when I'm only XXXX in debt. Also they have not removed the debt from my credit report that was divided from a divorce. They care nothing about fair credit reporting laws. They are very snooty, very sarcastic, for example the representative laughs and tells me over the phone '' Ha! Go read and report us, not like anything is gon na happen. We get complaints all the time to the ftc they have not done anything yet. " .i mean I am terrified that the XXXX government allows these agencies to rule over our credit because their main focus is keeping us in poverty and not allowing us to excel..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax, as a consumer reporting agency, is governed by 15 USC 1681 and I have evidence that they have violated my rights under this act multiple times. The following accounts listed below were furnished by XXXX, XXXX, Equifax without my written consent and I demand their immediate deletion : XXXX XXXX XXXX  Account Number : XXXX According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) also states that a consumer reporting agency may not make any report containing adverse information that antedates the report by more than seven years. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) requires that a person shall not furnish any information about a consumer if they know or have reasonable cause to believe that the information is inaccurate. 

I also did not authorize the following companies to access or pull my credit report, and these inquiries were fraudulent. I have contacted these companies and they have no proof of authorization or permissible purpose : 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  In conclusion, I demand immediate removal of these blatant violations of my rights. Failure to do so will result in me taking legal action against all parties involved. I request that the Consumer Financial Protection Bureau takes swift action in resolving this matter and ensuring that my rights are protected. Thank you for considering my complaint.
Product: Mortgage

Below is the issues outlined for Citizens regarding their practices. 

I have received your notice of issues regarding payments above loan. I have repeatedly attempted to pay agreed upon payments in full and on time, but have been unable to do so due to obstruction on your end. In XXXX of 2023, I left XXXX XXXX bank for XXXX Bank in XXXX, Nebraska for my personal banking needs. Despite providing all up to date and valid information regarding automatic or even singular digital payments through this bank, Citizens has been unable to accommodate this request of payment form. Due to this, I attempted to send personal checks that were also valid and able to be cashed, but was then told I needed cashier checks to be written each month as the only option for valid payment of this loan. None of this has been concerning insufficient funds. 

The bank account information provided has had an average balance of {$51000.00} per month since opening this bank account last year. The month payments are around {$5000.00}. The provided amount has had XXXX the sufficient funding, unfortunately you have been unable to withdraw this funding on your end. My bank has also provided documentation of this in the past and can do so if requested for the third time. I have also been obstructed from viewing my account information online. 

In spite of sufficient funding in an accessible bank account and physical check payments throughout the entire life of loan, Citizens has continued to tell me that I am not making appropriate payments on this loan and have tried to issue a XXXX XXXX and is now threatening foreclosure. An additional {$200000.00} has been paid to the loan in the last year as an extra payment beyond the monthly rate. There has been no mention of this in information given. 

Enclosed is a cashiers check for the most current outstanding balance I am aware of - though this XXXX be incorrect as I do not have current access to my statements online - again this is on Citizens to allow a service member adequate access to their information electronically.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Transunion and XXXX  are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " XXXX   XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health information.
Product: Debt collection

I have requested a detailed invoice of what the charges the collection agency is attempting to collect
Product: Debt collection

XX/XX/XXXX : I attained a line of credit loan through XXXX XXXX XXXX. The representative assured me that it was different from a payday loan. I asked specific questions regarding payments..ie " When will it be paid off by making the monthly payment '' I was told by XX/XX/XXXX. I asked about interest rates and was told they were not nearly as high, compared to payday loans. The gentleman was charismatic and lead me to believe the lie. I made 4 payments of around {$200.00} a month. In XXXX I looked at my account and noticed the balance was going up. I contacted XXXX XXXX XXXX and was informed of the 246 % interest rate. I was livid given the original conversation lead me to believe otherwise. I asked the representative to please listen to the recorded message in XX/XX/XXXX. Was told there was no need, since I signed the contract. I told them that they had received enough of my money and practiced predatory and illegal methods to attain the loan account and would not pay them anymore, until they would listen to the recorded phone conversation. They repeatedly attempted contact me and I refused to talk to them. 

Today XX/XX/XXXX : I received a phone call from National Credit Adjusters attempting to collect a debt from XXXX XXXX, I explained my history with them and told the representative that I will contact XXXX XXXX directly to get something resolved. 

I contacted XXXX XXXX and spoke with XXXX. I went through the entire story ( explained above ) and requested once again to listen to the conversation in XXXX Again, I was told that they would n't because they have a signed contract.
Product: Credit reporting or other personal consumer reports

Below is a draft letter addressing Equifax, Experian, and TransUnion 's failure to perform a proper investigation under the Fair Credit Reporting Act ( FCRA ). It includes citations of relevant laws to ensure compliance : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, Transunion, Experian Subject : Failure to Conduct Proper Investigation Under the FCRA I am writing to formally dispute the accuracy of certain information in my credit report. I previously submitted a dispute regarding [ specific account ( XXXX ) or issue ( XXXX ) ] and provided supporting documentation. However, your investigation, as detailed in your response dated [ date ], failed to meet the standards required under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation of disputes : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : This section mandates that, upon receiving a dispute from a consumer, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 


2. 15 U.S.C. 1681i ( a ) ( 4 ) : This section specifies that the credit bureau must review all relevant information provided by the consumer during the dispute process.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the disputed information can not be verified, it must be promptly deleted from the credit report. 



Despite these legal requirements, your investigation appears to have been inadequate and failed to address the specific evidence I provided. For instance, [ explain why you believe the investigation was inadequate, e.g., failure to contact the data furnisher, ignoring evidence provided, etc. ]. 

Additionally, your failure to properly investigate my dispute is causing harm to my creditworthiness and violates my rights under the FCRA. I request that you : XXXX. Immediately reopen the investigation into the disputed information. 


XXXX Review all evidence and documentation I previously provided, and contact the furnisher of the disputed information as required. 


XXXX. Correct or delete the inaccurate information if it can not be verified. 



Failure to comply with the FCRA may result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. I hope we can resolve this matter promptly and amicably. 

Please provide a written response detailing the steps you will take to address this issue within 30 days as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Sincerely, XXXX XXXX Account in question : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT EXPERIAN : XXXX ACCOUNT XXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX XXXX are reporting inaccurate information on WELLS FARGO CARD SER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

WELLS FARGO CARD SER Acct # XXX Date Opened XXXX XXXXXXXX XXXX Balance : {$1000.00}
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a {$25.00} " Birthday Reward '' voucher from Capital One/ XXXX XXXX, good for {$25.00} off purchases made by XXXX XXXX, XXXX. 

I made two purchases totaling {$37.00} by XXXX XXXX, XXXX. 

I called Capital One for an hour in XX/XX/XXXX and was handed from one department to another, finally winding up in XXXX, XXXX. No resolution. I closed my account that day, effective immediately. 

On XXXX XXXX, XXXX, I wrote a dispute letter to Capital One ( a post office box in XXXX XXXX XXXX ). Through XX/XX/XXXX, I've received no response. 

On XXXX XXXX, XXXX, I scheduled a {$12.00} payment to Capital One for a XXXX XXXX, XXXX due date, representing {$37.00} minus the {$25.00} offer the two parties failed to honor. 

On XXXX XXXX, XXXX, Capital One charged me a {$29.00} " past due fee '' ( the {$12.00} payment on XXXX XXXX, XXXX did not meet Capital One 's minimum ) plus {$0.00} in interest. 

XXXX  ( XX/XX/XXXX ) I spent more than XXXX minutes being bounced from the XXXX to the XXXX by Capital One, before finally being sent to a XXXX help line, which wasn't helpful. It was apparent, the customer service representative just wanted to bounce me to another desk, not resolve the dispute. 

Not would anyone today even acknowledge receipt of my XXXX XXXX, XXXX letter of dispute. 

This was consumer misrepresentation. Capital One/XXXX XXXX sent an offer that they failed to honor.
Product: Mortgage

My mortgage servicing was sold to Selene Finance by XXXX in XXXX. XXXX had approved a loan modification and I had been paying them, without incident when they sold. One month into my relationship with Selene they raised my monthly payment by over {$300.00} claiming an escrow shortfall. I sell real estate and am hearing more and more of my customers complain about the pattern of changing mortgage terms. It is not unique to Selene but other mortgage companies are doing it too. Please look into this housing fraud scam immediately!. Thank you!
Product: Debt collection

For the last 2 weeks I have been trying to find out why I owe XXXX. In the process of doing this, I have been treated quite poorly.hung up on, cold transferred, told I must be so very bored must be why Im calling..reps refuse to write accurate notes, overtaking, etc. 

I have told numerous supervisors that when reps become polite and respectful, I would and will be happy to discuss this debt.no return calls from any supervisor to date. 

With my Severe XXXX, dealing with these blatantly rude reps and supervisors is causing me a great amount of distress. 

I am very sick and tired of reps being rude and condescending. 

I had requested that this company ask XXXX exactly what the bill was for as I paid XXXX via bank automatic withdraws every month. 

After a month of not hearing back from this agency, I called and was told that I refused a letter from XXXX am so very confused.and will not tolerate these rude reps any longer. 

Respectfully, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

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

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$270.00} XXXX XXXX XXXXXXXX Balance : {$80.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00}