23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

An account was paid off and closed in XXXX. I was subsequently told the account was not closed and I had to submit additional paperwork which I did on XX/XX/XXXX via email. I was told the account was closed at that time, but this was reflected in my credit report. I have since received account statements that the account is open. Then I received notification in XXXX on my XXXX XXXX that the account was suddenly closed. Then I have continued to receive statements that the account is still active.
Product: Checking or savings account

XXXX XXXX never called back per the company policy regarding XXXX requested callback. I had to physically walk into a branch to again speak with the branch who knows nothing about the executive office 's doings just to get connected on the phone with XXXX XXXX form the executive office who ended up saying " this takes time ''. 

It has been XXXX weeks, XXXX hours in a XXXX  day, XXXX hour per day, period. So within that XXXX hours, nothing has gotten done. I just received a call from XXXX who asked me to provide some additional per the claims department... but upon calling the claims department, I was transferred back to the " executive office ''. This company is spinning me for a loop and playing games with me on purpose, employing delay tactics, and would not do their job correctly.
Product: Debt collection

Company have sent several text messages before XXXX. I requested a debt validation no response. I have no knowledge of this debt not mine. Please supply a copy of lease. If you bought this debt from another company. supply proof, and copy of my ID, social security card. Receipt. If you don't supply information with 30 days of receipt remove reporting from all 3 credit reporting otherwise my lawyer will be in contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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
Product: Mortgage

continue to charge for insurance even after prof was submitted in XXXX XXXX 2016, continue to charge XXXX per month and will not deduct from loan payment due. Takes all  my loan  payments  put in applied suspense then pay loan payment from that., then payment comes up short and puts me in default Being charges for something I already pay for. Contacted several times to resolve this still with no response. This is not right , feel that there  deceptive practice is very harmful and stressful what next foreclosure .
Product: Debt collection

I and my sibling were renters in an apartment complex and failed to give our 60 days vacate notice. Our lease agreement states that we " will be responsible for an additional months rent '' ( $ XXXX per lease agreement ) if the vacate notice was not given, yet we were charged an XXXXInsufficient Notice Fee ' of {$1500.00}, which is over double the {$730.00} monthly rent. While we agreed to jointly bear the responsibility of said debt as our two names were on the lease, we were not in the financial place then to pay the amount the apartment company was asking. We mutually agreed to let the bill go to collections and we would revisit it at a later date when our finances would allow. 

During this time the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, sent the bill to the Law Office of Brett M. Borland XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, GA XXXX. I contacted said Law Office twice on XX/XX/23, once shortly before XXXX XXXX and then again around XXXX. I was transferred to the same employee each time. 

During both calls, I explained that I wanted to pay my half of the total debt ( {$900.00} ) while I was on the phone and to have it taken off of my credit report. The employee stated on each call that " we don't get into personal matters '', " it's not possible to split the debt up '', and " there is no such thing as half of the debt. '' I was then told that I could pay 50 % of the total ( {$900.00} ) and the collection would be marked closed, on mine and my siblings credit reports, or I could pay 80 % ( {$1400.00} ) of the debt and it would be closed and removed, again from both mine and my siblings credit reports. 

I tried to explain that that was not fair as I would be paying at least half of the debt and the other debtor, my sibling, would not be paying anything yet would still be reaping the benefits of having the collection come off of his report. I was told " and it would work the same way if the other party was calling to pay the debt. '' I asked the employee to acknowledge the fact that " no matter who was paying the debt, it would be unfair as the other party is not paying anything and still reaping benefits. '' The employee then said " we went into a business to make money, not to be fair. '' I admit, at this point I lost my patience and asked " Then you do realize what a [ expletive ] business you work for? '' The employee began to mock saying that I can " call back when you have the {$1400.00}! '' I replied " I'll pay the {$900.00} right now. I have my debit card in my pocket, I'll pay the {$900.00} and you can just close the account. '' but the employee repeated themselves, laughed quietly, and then ended the call. 

As there are only XXXX people on this debt, I feel it is an attempt to collect money that I do not owe if I want this taken off of my credit report. I should not be made to pay 80 % of a debt to close it and have it off of my credit report if there are XXXX parties responsible for the debt.
Product: Credit reporting or other personal consumer reports

I found multiple of my disputes were read unfounded and I know they are issues affecting my credit score. I requested that I can see the information that led them to make that decision. I never received this information and it has been months.
Product: Mortgage

I have a situation that occurred with Fairway Mortgage, which are located in XXXX, CT. XXXX , their loan officer qualified both of our credit and debt to income ratio for a homestyle loan, he then called back several hours later and stated that he was not able to generate an interest rate for us. I then requested to simply have him do a basic conventional loan, and he then refused to do that even that even though again our credit and debt to income ratios were qualified by him. 


When we requested for them to provide a reason why they were refusing to service our loan request after pulling and qualifying credit, XXXX and his Manager XXXX XXXX refused. They also stated via email that they would not provide neither a denial letter nor place in writing that they weren't able to generate an interest rate for us ... 

We're under the belief that this is retaliation for the review that my wife placed under their company website for the XXXX XXXX which she closed with them in XX/XX/2020. Minutes after placing the review on their website, XXXX XXXX contacted my realtor to request that my wife immediately removed her remarks about Fairways poor communication process throughout her experience, but she refused ... 

Is this something that we can move forward with on a discrimination lawsuit??? It has to be illegal to request all of our documents, and then pull and qualify credit & debt to income ratios, and then literally lie about not being able to generate and interest rate. As well as refuse to provide in writing or even a denial letter!!!!
Product: Debt collection

Continue to get harassing calls constantly which has escalated to now indicating a lawsuit has been filed against us and our home. Written notice was sent to cease and desist but call continue. 

Now my minor children ages XXXX and XXXX are receiving calls on their cell phones with the same message indicating a lawsuit has been filed against us. 

No verification of debt notice has been sent to provide opportunity to dispute any and all charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to previous dispute of the unverified negative items on my credit report. I mailed you a letter XX/XX/XXXX disputing ( XXXX ) accounts as fraud and inaccurate. I also sent a letter by certified mail to all credit bureaus you are reporting to with return receipt requested since I have yet to hear from you. I received notification that you had received the dispute letter in the mail on ( XX/XX/2022 ). I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A. 

I have enclosed the original letter Outlining the disputed accounts. 

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these accounts Upon the receipt of the documents and herein and of this complaint, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

Thank you in advance for removing XXXX VIOLATION accounts below Account # XXXX for {$1100.00} and Account # XXXX for {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX XXXX I was reviewing my credit report and I seen several errors on my report. My XXXX XXXX XXXX XXXXas final on XXXX XXXX XXXX. There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy XXXX # 2:17-BK-51306 XXXX. XXXX XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.XXXX
Product: Debt collection

According to the fair debt collection practice act you have thirty days after receiving a collection notice that I received on XX/XX/2020 to write for validation of mail i sent certified letter on XX/XX/2020 swrs collection agency did not validate debt and put the debt on my credit report unverified this is violation of federal law and must be immediately removed from my credit report.
Product: Checking or savings account

On the Thursday of XX/XX/XXXX, I walked into my local Chase Bank to open a checking account. I was receiving money from my grandfather who was helping me with paying rent. The fastest way to get the money was if opening a bank account at the same bank he uses. I was assisted by a service rep who was very disingenuous about our exchange. I felt as if she didn't truly care about me as a new customer because of me just waking up to get to the bank. I informed them that soon i will be changing my main bank to them and they seemed ecstatic. To open the bank account they required a min deposit of XXXX dollars. I went to the ATM to withdraw the amount incurring a fee to my other account. Everything was fine and everything was set up. When the XXXX dollar amount hit my account a couple hours later, I knew it would be an issue. I didn't have a debit card physically but I knew i could verify my ID if anything came up as suspicious. I was running late so I went to another Chase bank A little further from my house, near my job to withdraw partial of the total amount. XXXX dollars. The teller first told me it would be fine that I would be able to receive my money. Then, he took quite a long time typing at the computer. I informed him that my grandfather was sending money for bills. He said everything was fine but called the bank manager over. The bank manager asked for another ID form so i gave him debit card. Now after another 10 mins and I am actually late for work, he tells me it is denying my withdraw, I didn't understand. The manager then informed me that I would be able to tomorrow around XXXX. I took the answer and went on my business. Later on around XXXX that day I looked into the account to make sure everything was still okay. Online banking said my account has been suspended and to call a number to reinstate it. After calling that number and verifying my ID the associate told me that my account is being looked at for fraud. Something I knew was possible and that I was told would be easily solved. After being cold transferred to the fraud department, re-verifying my ID i was told by someone who could not articulate in English that my account has been closed and began to read me a jargon about what will happen next. It is now the XXXX of XXXX my account is closed, I don't know what happened to my XXXX dollars plus my XXXX dollar deposit and my bills are already 3 days overdue incurring late fees. I feel robbed of my that is rightfully mine and feel as if the bank does not care about my current situation. They cared enough that I opened an account with them but not enough to tell me where my money is and help a new account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX advising they confirmed my XXXX through XXXX XXXX. That letter is attached. I also attached the section for XXXX from my XXXX XXXXXXXX REPORT and this information is not being furnished! XXXX has lied and fabricated information that is not correct after I disputed this account multiple times advising this account is incorrect and needs to be deleted. They have refused to delete this account, even sending a follow-up advising they received this information from XXXX XXXX which is not True!!! They are violating my rights and is not doing a thorough investigation. I have sent letters and also disputed over the phone with XXXX, XXXX, and Transunion and they all have refused to delete these accounts. 

These accounts need to be removed IMMEDIATELY! XXXX XXXX OR THE XXXX COURT IS NOT FURNISHING THIS INFORMATION ON MY CREDIT REPORT, SO HOW IS THIS ACCURATE? XXXX, TRANSUNION, AND XXXX IS VIOLATING MY RIGHTS BY FURNISHING INCORRECT INFORMATION ON MY CREDIT REPORT. ATTACHED IS A LETTER FROM THE XXXX XXXX 

Account name : XXXXXXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected has consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 and any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a 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

I hope this message finds you in good health. I am writing to express my extreme frustration and dissatisfaction regarding the repeated and unsuccessful attempts I have made to remove fraudulent items from my account with Experian and XXXX credit bureaus. Despite my multiple requests for assistance, these unauthorized charges and items continue to plague my account, causing significant distress and financial hardship. 
I have made numerous attempts to address and rectify the presence of fraudulent items on my account, including : Despite these persistent efforts, the fraudulent items remain on my account, and my concerns have not been adequately addressed. 

As a result of these ongoing issues, I have incurred unauthorized charges and fraudulent items on my account, which have caused both financial and emotional distress. Some of the specific fraudulent charges and items include : I am formally requesting the following actions to be taken with immediate effect : A comprehensive investigation into the origin and persistence of fraudulent items on my account. 
An explanation for the continued occurrence of these issues and a concrete plan for the complete removal of all fraudulent items. 
The full reversal of unauthorized charges and the removal of all fraudulent items from my account. 
Implementation of robust security measures to prevent further fraudulent activity on my account. 
A written response outlining the specific steps you will take to resolve this matter within 15 days of receiving this complaint letter. 
Failure to address these concerns and provide a satisfactory resolution within the stipulated time frame will compel me to escalate this matter to higher authorities, including regulatory agencies and legal channels. Kindly help me remove the following fraudulent items : 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 XXXXXX/XX/2022.
Product: Mortgage

INTERNET COMPLAINT RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX Name/Firm/Company : ocwen loan servicing Subject/Category : mortgage modification process Street Address : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, FL XXXX XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Questions/Comments : My family and I are experiencing a financial hardship. I have been trying to process a modification application for the last 6 months and ocwen has made it impossible. 
Ocwen has refused to process my application. Ocwen continually looses documents that my wife and I submit to them for the application process. 
Then when I verify that they have received the documents, they ( ocwen ) will switch my process application to a different account manager who has to start the process all over again. Again this has continually been going on for 6 months. 
This hardship is due to loss of employment as I had to take an early retirement which resulted in a loss of substantial income. 

The desired outcome is to have ocwen financial services process a mortgage loan modification plan which would substantially help our family through this financial hardship
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX  I have been trying to get negative information off my credit report including inquiries. Most accounts on my report are not mines/accurate. I have been trying every month since XXXX of XXXX  to contact TransUnion, XXXX, and XXXX about removing negative items from my report and have not gotten any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year I have been getting notifications of hard inquiries on my credit report I reported to the businesses and the credit bureau I did not authorize the inquiries stay signed up for fraud alert to help stop the fraudulent inquiries but somehow the acquirees I still being made and has not been taken off after a number of a text to remove the an accurate information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Student loan

I had Citi Student loans. Some where transferred to XXXX  ( $ XXXX ) some transfered to XXXX XXXX ( nka XXXX ) ( $  XXXX ) and Citi continued to service some, then it was transferred to XXXX and the Citibank payment website closed down and directed all visits to XXXX. I continue to pay all those servicers and I am current on all of them. I noticed a Citibank student loan on my credit report ( about $ 27k ), I called Citibank about it, and then said XXXX will service it, that they no longer service loans. I continued to pay my XXXX payments as directed on time. I called XXXX   they said they have all my loans from city ( which was about 7k ) I figured it was rolled up in my XXXX or XXXX. As there was no other servicer for me to inquire about. I recently checked my credit and its still showing up now delinquent and sent to collection. XXXX, XXXX, and XXXX know nothing about it and Citi doesnt service loans. How can I pay a loan with no servicer? Im confused, and dont know what to do now.