23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company went bankrupt ( GMAC ) and my mortgage went to Ocwen. They worked with me to lower my payments. They then made a mistake and put in my income higher than it was. They said they would have to redo it-after I had paid hundreds of dollars the first time to lower my payments by paying them for processing, etc. The second time they worked with me again, setting my payments at {$540.00}. My mother in law became very ill and we ended up paying a lot of her medical costs, then for her entire funeral. This set us back but I still kept paying my payment before the XXXX-the late fee day. Every month, I would pay exactly what the mortgage company said that I owed for that month. {$540.00} it coming out to be {$620.00} a month. This month, I received help from the VA because I am a veteran. They asked me how much was due. I sent them a statement of the mortgage which said for XX/XX/XXXX, the payment was {$1200.00}, even though our payment was only {$540.00} a month. Even with late fee, the payment for both XX/XX/XXXX and XX/XX/XXXX would have been $ XXXX.The VA paid them, THIS MONTH {$1200.00}. I went to make the payment for XX/XX/XXXX, ahead of time and the amount shown was yesterday @ XXXX XXXX for {$640.00}. No extra fees, nothing. I set up a payment for {$640.00} + {$2.00} making the withdrawl for Ocwen, {$650.00} current for XX/XX/XXXX. Today, I logged in and looked to print out a copy of my scheduled payment. My amount due is now {$660.00}!!! 
This amount changed overnight. These payments are changing continually and I want it to stop. This is why customers get behind and this is why we lose our homes! There should be no extra  fees. There should be no " property inspection fees. '' My mortgage was current as of XX/XX/XXXX.They then added a late fee of {$15.00} even though VA just paid and specifically wanted the amount indicated that was due. Now they have added another {$15.00}. My XX/XX/XXXX payment is  not due yet and I have it scheduled!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with fair credit reporting act XXXX act account # 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 an account without my written. Instructions.
Product: Checking or savings account

I called to have my debit card unlocked and discover bank employee reported my card lost or stolen to keep me from my funds and I'm having to wait for a new card to be mailed out to use my money. How can a banking institution do this to keep someone from there money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with XXXXXXXX XXXX for over 10 years. All my information from personal to business is with the XXXX institution. So, when I open a new account as I did so many times before it was a surprised when I discovered that XXXX submitted my application with the wrong address. After correcting address with XXXX. I discovered it was updated to the CRA on my profile with the erroneous address I have disputed with XXXX. 

If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). 

Furthermore, This cause a derogatory to be reported in which I never knew about due to the erroneous billing. 

Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Product: Credit card

XX/XX/2023 i could not get the card I tried to get
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance Owed : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has recently settled in a multi state investigation about XXXX 's subprime lending practices. XXXX knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probably of default. I have sent letters to XXXX about my account being deleted and to this day they have not deleted this from my credit report. It is against the FCRA for a creditor and the credit reporting agencies to report inaccurate and false information. I am asking that this XXXX account be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigations of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in cfpb administration proceeding disputes on my credit profile for similar violations.I request that the CFPB take action to ensure that XXXX complies with federal law and provides consumers with the necessary proof of investigation. I want all reported accounts to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress enacted the FCRA in 1970 to ensure the confidentiality, accuracy, relevancy, and proper utilization of credit reports. 15 U.S.C. 1681 ( b ). 

I filed a certified dispute with Equifax and it was mailed on XX/XX/XXXX, and Equifax received the letter on XX/XX/XXXX. In this complaint I requested that only my name, XXXX XXXX, be listed on my credit report to reflect accurate reporting and I produced a State issued driver 's license as proof of identification and Equifax is still reporting XXXX XXXX XXXX on my credit report as a former name which could lead to fraud because there are so many XXXX XXXX. I request that this information be removed or masked. This letter also included a dispute of bankruptcy information reported by XXXX, which included a XXXX XXXX Account which is closed which indicates that it is a bankruptcy account. XXXX has no permissible reason to report information, does not have my written consent to report and in fact I have opted-out of XXXX at XXXX twice. The bankruptcy court does not report information to any agency. This is an infringement on my right to privacy and continues to oppress me and is discriminatory. 

In addition, I mailed a certified letter on XX/XX/XXXX, requesting that Equifax send me the Sources and Report Recipients for Report # XXXX and " Description of Procedures for Reinvestigation '' for XXXX and all other disputed information ; Equifax received this request on XX/XX/XXXX. I received a letter today from Equifax saying that I can request a Description of Procedures for Reinvestigation for the disputes related to report # XXXX. Equifax has five days to provide this information to me and has failed to do so.
Product: Student loan

Hi, On XX/XX/2022 I called Edfinancial Services at Direct Loans- for account numbers beginning with XXXX XXXX  '' : Toll Free ( general inquiries and phone payments ) : XXXX I asked for two refunds for two payments made on : XX/XX/2022 : {$400.00} XX/XX/2022 : {$4000.00} My account number is XXXX. My current balance is {$5600.00} and they have not refunded the 2 payments made nor added the total back to my Federal Student loan balance. Please see if you can have them correct my balance after issuing me a refund for the two payments made. They did not give me an email confirmation that this request was made, I just have my phone records, which I believe is a really poor customer service experience. Thank you. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted an " opt-out request '' request from LexisNexis not to share my public information. I am challenging the validity of the legal process in which this information was shared. I am asking the Experian credit Bureau to remove this item from my credit report due to the improper process used to post this public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get an Equifax Credit report for 6 Months. At first I was being told that there are Discrepancies in my personal Information so I filled a dispute with updated information through the mail. I heard nothing back for 1 month so I called consumer care again to check the status. They claimed to have never received the letter to I again mailed another copy of the same letter in XXXX. Again after a couple months no correspondence had happened. The 1st week of XXXX I Faxed a copy of the same letter instead of mailing it. After a week I called to get an Update and make sure they received the documentation. They pulled it up confirming they got the Fax and then claimed that I did not have a credit file with them and that my lender likely wasn't sending them batch reports with my Tradelines. Also that they mailed a letter to me XXXX XXXX in response to said letter, which I have not received two weeks later.. I continued to call my lender and they assured me that they send the same batch report to ALL 3 of the main Credit Bureaus. Both myself and my Lender reached back out to Equifax to find out why they weren't reporting my tradelines when they were being sent to them for the last 9 months. Upon doing so both our attempts were thwarted once again with Equifax Consumer Care Agents refusing to help find a solution to resolve the problem at hand by simply stating that my Lender isn't sending them anything. My Lender then put together a letter of their own with the Errors they got when trying to pull an Equifax Credit Report for me along with a copy of the same letter i had been sending Equifax for the past couple of months. They continue to take zero responsibility for the problem being on their end and continue to blame my Lender. When I first encountered an issue trying to get a home loan in XXXX of XXXX  the bank said that another persons name to whom I have no affiliation popped up in the Social Security Field. However, this bit of information Equifax has also not said a word about. Equifax continues to deflect this matter and are extremely unhelpful in investigating what has been going on.
Product: Student loan

I cosigned for a student loan for my daughter. The agency handling the loan is Navient. They have the loan listed as a group loan. However, I am the only person that receives the bills for this loan because they have made it a group loan. My daughter, that is the primarily responsible for the loan, is not able to receive information ( online, phone or mail ) regarding this account because all information about her account is sent to me, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have been contacting Navient for over three months trying to get the accounts separate so I can receive my bill and asking that they sent XXXX XXXX her bill. However, I continue to get the run around. The account was behind three months and XXXX XXXX was not aware of it because the bills were sent to me. I tried to find out why I was receiving the bill. However, they would not give me any information. I finally contacted XXXX to find that she thought the loan was still in deferment because she was in school. This effected both of our credit ratings. If XXXX 's loan was sent to her, she could have made the appropriate arrangements to pay the loan. This means she has paid additional interest and fees on her loans and should receive refunds for those funds. I am currently forwarding all mail from Navient for XXXX XXXX XXXX to her address at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have placed my loan in deferment and received a letter that Navient placed XXXX XXXX 's loan in deferment which she did not request. I understand that I am the co-signer for XXXX XXXX 's student loan. However, she should have access to her bill separate from my bill. I want Navient to separate the bills to ensure that I, XXXX XXXX, and XXXX XXXX have access to ours bills. 
XXXX XXXX, XXXXXXXXXXXX, XXXX.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this account with the credit bureaus with no change in the balances over the past 3 months. Most recently XXXX XXXX.Called company ( XX/XX/13, XXXX ) to discuss information on credit report that hasn't been updated in months. Rep stated that the account information was reported on the XXXX of XXXX. As called to check the status of a name change that I submitted via fax XXXX which still hasn't been processed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB 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 is impossible and that tracking these transactions was not possible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Mortgage

I was informed via a scam looking email that my mortgage had been sold to XXXX XXXX. I was not informed in any way by my original bank, Umpqua Bank, although they keep telling me they sent out a letter. My problem is not that my mortgage was sold. It is that I was not informed as is required. And XXXX has a HORRIBLE reputation for being completely incompetent. How is this the company that I now have to work with?? I would never have allowed my mortgage to go to a terrible, unreliable company had I known. I am so disgusted that I was sent from a reputable company to a bad company without any warning. This can not be the way things are run. I think it is dishonest of Umpqua to put people in this position. I would have never given them my business had I know they would be so careless with something so important to me as my home. DON'T get a mortgage from umpqua bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$3900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a CitiBusiness Checking account on XX/XX/XXXX, under a promotion that I had been mailed that stated I would get a bonus of {$700.00} if I deposited {$25000.00} into the account within 30 calendar days of opening it, and then maintained that balance for at least 60 calendar days. I would then get a bonus 90 days later. I deposited the money into the account on XX/XX/2020. I maintained a balance of over {$25000.00} way longer than needed for the promotion. I called multiple times and was told that I was eligible for the promotion and would receive the {$700.00} at the end of XXXX, 90 days after satisfying the original requirements. On XX/XX/XXXX I logged into my account and saw that the {$700.00} promotion had been credited to my account. However, sometime in the last month, this credit disappeared and when I called customer service, they have no history of giving me the {$700.00}, nor taking it away, and have no idea what happened. They told me there was nothing they could do to help me. It has now been over 7 months since I opened the account and deposited the money and I have no bonus to show for it.
Product: Credit card or prepaid card

I received an account statement earlier this month from Home Depot.  The items were charged from XXXX and XXXX of this year. The total was {$4700.00}. I did not receive the products or services from Home Depot. I received billing in XXXX of this year. I subsequently phoned Home Depot to file a complaint. Home Depot did not accept my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several student loans that were in default but I have been in a Rehabilitation program for over a year now. XXXX  and XXXX   have updated these accounts and they are now showing 'paid as agreed ' however Experian is still showing these as a collection account. I have disputed this with them but it has not yet been resolved. 
Please look at all my XXXX XXXX XXXX/XXXX loans and you will see that they are all reporting these collection by Experian.
Product: Debt collection

Debtor texted me at XXXX and hung up on me when I asked them not to contact me again. I have never had a loan or any business with this company. They are harassing me about someone elses loan.
Product: Mortgage

I went to AmeriSave for a mortgage refinance of my current mortgage. And long story short they overvalued ( AmeriSave mistake or purposedly done ) the price of my house to offer me what seemed to me really good numbers and low monthly payments. They pushed me to go ahead and submit the application and pay the {$500.00} application fee to move the process forward. They even manipulated the numbers to tell me that they would be giving me {$500.00} dollars back at the time of closing. At the time of doing the application the loan officer told me that this money could be refunded if I wanted.

The appraisal came back with a much lower home value and the loan  estimate completely changed and I have to put down over $ XXXX in order to keep the numbers the same. After trying to contact them for a few days about this and reaching no one, finally after a week or so the loan officer calls me back and tells me that my only two options are to bring the cash to close or just move away from this without getting my application fee back.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX  I sent a factual dispute to all 3 consumer bureaus XXXX XXXX XXXXXXXX is reporting date last active is XXXX Equifax is reporting date last active is XXXX transunion is reporting date last active is XXXXXXXX  this is inaccurate reporting which is violation to the FCRA