23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2017, I XXXX XXXX cashed a fraudulent check. I was laid off from my job, and needed to generate revenue to pay my bills. I answered an ad for a guy named XXXX the number he gave me was XXXX. We began to communicate via email. He would have done six postings a day or so that would advertise the same listing via XXXX. Eventually payday came, however, I was only guaranteed {$500.00} per week but the check was for {$1700.00}. So a naive sense of integrity kicked inside me and I sent him back {$1200.00}. Three days later the check bounced and my bank account was negative XXXX. At first bank of America was willing to clear my account however once they discovered that I sent XXXX, the Bank made it clear that they would not return the funds to me. However, I could not afford a lawyer because my only bank account was negative {$1800.00}. I filed a claim with my local police department and another claim with the FBI internet crimes division. I am writing this letter in hopes of a referral to federal insurance program and the ability to receive the money I had to work off back. I am also writing this letter in hopes that what happened to me will never happen to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried fixing this issue with this company since 2021. No resolution. They constantly blame the consumers for the inquiries but ask you to provide proof. Then you provide proof They don't do anything besides tell these lies about internal investigation which is all lies. This company has caused so many issues since their data breach its ridiculous
Product: Mortgage

Homepoint Financial is supposed to be handling the closing of our home on XX/XX/20 and they have not communicated or completed our closing process. Our real estate agent, title company representative, and the settlement lawyer have tried contacting Homepoint through email and by telephone over the past month and have received minimal responses. We have sent the same requested documentation multiple times and then are told we have to send the information again. The level of incompetence and mishandling of information is overwhelming and has caused our family undue hardship both financially and physically. Homepoint Financial needs to be held accountable for their completely unethical and incompetent handling of financial and personal information. We would hate to have another family go through what we have experienced with Homepoint Financial.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX I noticed multiple inaccuracies on my credit report, I want immediate removal of these negative accounts affecting my credit profile.
Product: Checking or savings account

Wells Fargo Banking, Takes Money out of my account twice, but tells me it should show as two transactions which is not true They Take My Money Once it is spent and in my transactions it will say PENDING but after the pending goes through the same amount gets took AGAIN. They act XXXX to it they act like they dont know whats going on when one employee himself seen where Wells Fargo Banking was going wrong and refunded me some money back while ALL OTHER employees literally just keep saying it should show as two transactions and it does not.. ALSO they charge my card two days later or a day later which can and DOES make my account go into the negative. They give little to no answer by saying file a claim which they dont refund ANYTHING AT ALL. This has been very stressful as my money get taken multiple times for one transaction and Wells Fargo Does Nothing about it.. I HAVE ALL MY TRANSACTIONS AND SCREENSHOT AND COULD EVEN GO OVER IT WITH YOU ALL AND THE BANK AND THEY WILL STILL SAY THE SAME THING!! Please take action this is not a joke they are taking people money!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
These inaccuracies are stopping me from getting a house for my family and car for kids.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX all violated my consumer rights to privacy under The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the XXXX Department of Education. 

These rights were also violated under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out. 
( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 


XXXX XXXX XXXX - balances, and payment history displayed XX/XX/XXXX - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Product: Vehicle loan or lease

In the XX/XX/2014 I brought a van from XXXX XXXX and the van broke down and kept breaking down and the XXXX XXXX company did not resolve it so I gave them the van back. They are still trying to charge me for the van till this day.
Product: Debt collection

My name is XXXX XXXX XX/XX/XXXX. I am writing in reference to an account being held by AFNI for XXXX XXXX. I asked PREVIOUSLY when XXXX XXXX held this account to be sent proof that this was MY account. XXXX ( on file with your company ) decided to STOP collections and send it back to XXXX, who then gave it to AFNI. I am still not for certain that this is MY legal account. I have not seen anything BUT billing statements, but NO letters with my signature, contracts with my signature. I ask that all COLLECTIONS be STOPPED on this account and that it be removed from my credit file if they are not able and willing to supply appropriate validation of the account. Validation is MORE than sending me a copy of a billing statement, I would like to know when this account was open, by whom, where? What documentation do you have for the account? 
Please send these requested items to XXXX XXXX XXXX XXXX XXXX GA XXXX. 

My main request is to have PROOF and if validation can not be done THOROUGHLY and professionally with the appropriate documentation I want THIS ACCOUNT REMOVED FROM MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

The company in question reports as a attorney on credit report with XXXX and also states that there is an open account that I have no knowledge of an open account with the company. Checking all my records to date all alleges accounts are in fact closed are reported as open.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, This is in regards to my Equifax credit report dated XX/XX/2022 - my name has a wrong variation I want corrected. 

Attached to this complaint is : - my drivers license - my social security card - my address- my dispute letter - screen shot where its located Please correct the spelling and variation of my name as soon as possible.
Product: Mortgage

Over the past XXXX years our Taxes and / or insurances are raised therefore there is a " shortage '' in our escrow account. We pay the " shortage '' based on the letter sent to us from the mortgage company ( Mr. Cooper ) and yet our mortgage payment still goes up. Please note ; in anticipation of a yearly increase I send additional funds to be applied to the escrow account but they apply it to the principal instead...???. 
I called again to find an explanation and they say we do not calculate escrow that way. (??? ) When I ask for a supervisor, they refuse to put the call through but file a request (? ) and tell me a supervisor will call me in XXXX hours. the last time I attempted to resolve a problem with a supervisor. I did NOT receive that call back nor do I expect to receive one now.. 
When a mortgage company raises your mortgage for no apparent reason the consumer deserve to know and understand what is happening with their mortgage.
Product: Credit card or prepaid card

On XX/XX/2021, I was charged {$270.00} from XXXX XXXX to my Citibank issued credit card. I immediately contacted Citi on or near the XXXX as soon as the transaction posted to report this as fraud. I spoke to an offshore rep on this date who marked the transaction as fraudulent, closed the account number and requested a new card be sent to my address. 

I received and activated the new card without any issues. On XX/XX/XXXX, I received a letter via regular mail from Citibank advising me that they had attempted to obtain information from me regarding this charge, and did not receive a response and that I was liable for the fraudulent charges. This is where a very frustrating loop of phone calls with Citibank began. 

I immediately contacted them inquiring in regards to the letter. They advised me that they tried to call me ( I received no calls ) and that my phone number was disconnected. It is not, it is the same number on file with my account. I spent nearly an hour on the phone with Citibank and was sent multiple times from representative to representative. Yes, I have done business with XXXX before, but not on this card. No, I do not know the passenger who attempted to purchase an airline ticket. After nearly an hour, I was finally transferred to a representative in the United States. She apologized, informed me of the process, and the call disconnected. 

I spent another hour on the phone on XX/XX/XXXX attempting to resolve this fraudulent charge. After another frustrating round of questions with a hard to understand agent, I requested to close my account. After a decade of no issues and millions of dollars in charges to my account I have closed my account because of this frustrating experience. 

To date, I have not resolved the charges on my now closed account. I am requesting assistance in once and for all removing these charges and closing my account permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to the following accounts which are showing up on my credit report : XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX  XXXX XXXX Charge Off Account, XXXX  XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX  XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX XXXX  XXXX Collection Account, XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX Collection Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Collection Account, Medical XXXX Collection Account, and Medical XXXX Collection Account. 

I am disputing the accuracy of these accounts on my credit report as I believe they violate several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Furthermore, I do not recall any outstanding debts associated with the above accounts. Additionally, the addresses listed on some of these accounts are not my current or previous addresses, further raising concerns about the accuracy of these accounts. 

I urge you to investigate these accounts and provide me with a detailed report of your findings. If you are unable to prove the accuracy of these accounts, I request that you remove them from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There has been fraudulent accounts made to my consumer report, there unauthorized charges made to my account please see attached to receive the information of accounts mentioned
Product: Bank account or service

My bank closed XXXX of my accounts, and the reason was that I said a XXXX remark to the teller. I had my granddaughter with me, who is half XXXX, and would never say anything so rude. I ca n't access my cheeks or savings accounts. I was told that I had to wait ten days and will get my money as a check in the mail. This has been very difficult on me, as have medical issues. 
Any help will be appreciated, regards XXXX
Product: Debt collection

Since XXXX, I have spoken with the collection agency, which admitted that they do not have any information ( social security number ) or otherwise that confirms this debt is mine. I have asked them to remove this debt from my credit report, but they have yet to do so. I am trying to purchase a home that is scheduled to close XX/XX/XXXX, being told that I must address this debt.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with RADIUSGLOBAL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed  : {$490.00}
Product: Mortgage

I am contacting you again about XXXX XXXX XXXX for the 4th or 5th time. I have been forclosed, and now dealing with a company for a cash for relocation package. The offer is {$4300.00} and I asked for the max. of {$10000.00}. I asked for the max. because of the previous complaints have never been resolved or fairly addressed. The company is XXXX and they say they " are not Ocwen and that Ocwen is just their client ''. I now clearly see that they are one in the same. They are " in bed with Ocwen ''. Ccwen clearly knows that they are cheating me. They did extend my time to vacate until XXXX XXXX, and I 'm grateful and thankful. They did not give me {$10000.00} and I 'm very angry and feel so violated and humiliated by the {$4300.00} offer, but I accepted knowing that I would continue to seek my stolen money from Ocwen afyer I vacated. Here is my new complaint, upon receiving the documents, there is a # XXXX.on the rules that frees Ocwen from any futher claims or liabilities in the future or the past.UNBELIEVABLE Now I see why when I sent the proof to Ocwen they said they did n't respond. They are one in the same ( Ocwen and XXXX ) Here are facts on my issue. 
1.A history of XXXX-XXXX servicers throughout loan, and I have recepts of checks that are not listed on payment history that I did n't receive credit for and Ocwen has the proof, the copies of the cancelled checks. 
2. When the house was in XXXX different bankruptcy cases, payments that were allocated from the trustee to the servicers ( XXXX additional servicers not including Ocwen ), is not credited on the loan. I have pointed this out to Ocwen and sent proof, and they refuse to do anything about it. 
3. They illegally forclosed, added a new bank without notifying me of the bank. 
4. Refused to offer the XXXX and only offered XXXX 5.I am now homeless, have a income of {$1200.00} a month. My spouse is a XXXX veteran and is in a medical facility and his total income goes to that place. 
6. I keep asking for the XXXX amount and they refuse to give it to me. So now, Ocwen will set us up for a bad tax liability, that will probably take up further downhill. Basically they will still from us for the second time on the XXXX! 
6. NOW THE DOCUMENTS THAT I 'M SIGNING TODAY ( DEDADLINE TODAY ), I HAVE TO GIVE UP THE RIGHT TO GO AFTER THE STOLEN MONEY AND LOOK FORWARD TO ONLY XXXX INSTEAD OF XXXX! BUT HOMELESS, I HAVE NO CHOICE, TO TRADE A THEFT OF XXXX XXXX FOR XXXX! I SEE WHY OCWEN NEVER ADDRESSED THE MONEY! 

THIS IS THE AMERICAN DREAM!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint today to follow up the previous CFPB Complaint I submitted on XX/XX/XXXX. I also sent a dispute letter addressed to the Credit Bureaus on XX/XX/XXXX, requesting the Credit Bureaus to remove the following accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; and inquiries : XXXX XX/XX/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 XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. If the Credit Bureaus insist that the disputed items are mine, please provide me copies of proof of verification or documents bearing my signature to prove my ownership with the disputed items. Failure to deliver should result to immediate removal of the items from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  year of male seeking a reduced apartment community. Needed a one bedroom apartment in XXXX zip code area. Was refused the apartment on a credit report. Only two accounts out of eight were delinquent. Both medical accounts and were dated XX/XX/14 when I was trying to get XXXX which took 3 years. Those 3 years I was unable to work and had no earnings to pay the bills. I had no idea I was delinquent on paying the medical bills. One was a bill from XX/XX/2014 with a past due of {$73.00}. The other was a bill from 2014 with a past due of {$100.00}. I've never had any convictions or driving accidents since I was in my XXXX 's. I lost an apartment because of this report. I plan to pay the {$170.00} now that I know I owe that much. It feels very unfair that I can not get a low income apartment because of this report. I'm back on a waiting list and will have to live with my XXXX XXXX XXXX parents who supported me when I had no money coming in. The report came from ONLINE Information Services, XXXX XXXX XXXX, XXXX, NC XXXX Phone : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX  My name is XXXX XXXX, and .I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : I don't recognize this account