23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Reverse Mortgage Funding LLC. 
Reverse Mortgage Servicing Department Complaints Management XXXX. XXXX. XXXX XXXX  XXXX XXXX, TX, XXXX Re.. XXXX XXXX for XXXX XXXX XXXX Property address.. XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX Loan # .. XXXX I received the company 's response ( see attached letter ) to the complaint I filed with your agency ( case # CFPB XXXX ). The only issue that was addressed, straightforward, was the dollar amount that would be given to me if all of the DIL of foreclosure requirements were met. The other questions I have were not answered directly. Again, the company decided to quote me their ( blanket ) answer ; which is to repeat policy only. 

I attempted to contact the individual who signed the response letter, using the telephone number provided. And, once again, I was placed on a lengthy hold and answered by a representative who informed me that ; the Complaints Management Dpt. is an internal department only. The customer and the representative is unable to contact them. All she could do was document my concerns. 

On XX/XX/XXXX, I telephoned your agency ( CFPB ) and spoke with an agent. It was suggested that I file another separate complaint to address the issue of not being able to not speak to the individuals in the company who could answer my questions. It should not be this difficult to get the answers I need to make decisions in this matter. 

I need a contact number and name of an individual I can speak with who can answer my questions. Straightforward. No run-runarounds. 

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

Dear XXXX XXXX ; XXXX ; Equifax ; XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the XXXX major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I'm quite not what's going on, but I can tell you that this account doesn't belong to me, and also it continues to report incomplete, and multiple inaccuracies on my credit report. It's my understanding that once an account is in charge-off status, it can not continue to report any more payment activity as XXXX days late or a C/O. For example, the dates of XXXX delinquency, dates of last active, etc are all incorrect, and with multiple inaccuracies. Still continue to report multiple inaccuracies and incomplete, unverifiable info! Different dates of DOLA, DLP, DLR, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

" CFPB Released a recent report detailing deficiencies of the XXXX major credit reporting agencies : Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is being used a scapegoat/diversion/cover-up for the malicious activity that happened to me and for what is potentially happening to other unsuspecting citizens/civilians/consumer of XXXX XXXX XXXX.
There is NOTHING on my EQUIFAX consumer credit report to dispute ...
This continues/appears to be a matter of collusion and suspicious/malicious intent on behalf of XXXX XXXX
What EQUIFAX information was used to reduce my credit line???
My EQUIFAX consumer credit score ( over 700 ) during the time this incident happened is attached to this complaint.
After paying down debt to reduce my debt to credit ratioXXXX XXXX XXXX. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. Up toXX/XX/XXXX my XXXX XXXX line of credit for my XXXX XXXX credit card was {$4000.00}. On XX/XX/XXXX, 4 days AFTER XXXX XXXX  received my {$2500.00} payment, XXXX XXXX reduced my XXXX XXXX  Consumer Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My XXXX XXXX XXXX  consumer credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus sinceXX/XX/XXXX. On XX/XX/XXXX, at approximately XXXX XXXX, I was told by a XXXX XXXX XXXX XXXX XXXX XXXX representative ( XXXX ) that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my XXXX  XXXX and Equifax consumer credit reporting scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED EQUIFAX CREDIT REPORT FROM XX/XX/XXXX. I received letters from XXXX XXXX stating their decision was based on information from EQUIFAX ... In addition to consumer concerns with using EQUIFAX given what was transpiring with EQUIFAX during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of XXXX XXXX. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED EQUIFAX CREDIT REPORT FROM XX/XX/XXXX) and there is NOTHING on my EQUIFAX credit report that substantiates the claim from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry dated XX/XX/2017 from Navy Federal Credit Union that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting act XXXX accounts has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Product: Credit card

I filed a dispute with Synchrony for Lowe 's regarding window installation. Defective windows were installed in XXXX, and still attempting to get a resolution. The dispute was closed because " the store '' contacted me to resolve the issue. However, after contact with the store manager, XXXX, a resolution is still not complete. I am still waiting for Lowe 's to communicate with the manufacturer regarding the defective windows. There is no timeline, in the meantime, the windows do not fully close. Water comes into the house when raining, noise from wind throughout and the resolution is for me to cover my windows inside and out with plastic. 

When I called Synchrony today regarding the closed dispute, I was told that I can not dispute services once the services has been received as " we are a bank and not qualified to determine if the services are done correctly ''. I was told my only recourse is to work with the store, however long that may take, but that payments will resume on the balance.
Product: Checking or savings account

So I had recieved a security deposit from my landlord. The bank that my landlord is associated with is chase bank aka J.P. Morgan. I dont have a bank account myself so I went to chase to cash the check but was told I could not cash a check that over XXXX dollars. My check was for XXXX dollars and thats a guesstimated answer. One of the chase bank reps told me if I knew someone who had a chase account that I could deposit the check into their account. My sister happens to have a chase account so I deposited into her bank. I was told that in 2 days the funds would be deposited and I will be able to get them from her account. Unfortunately, they froze her account and said that they needed to verify my identity before they could give me the funds.

They told me the only way that they could verify me is through calling me but the number that they have in the database is an old phone number and I dont have access to that number. So now my funds are stuck in her account and Iv contacted corporate and everyone else I could to get some help regarding this issue. I cant come into the bank and verify with my driver lisence as well. I can only verify through whatever number they have in the database. It has been stressful to me that I even have to deal with this and loose out on a lot of money and its not fair to me. I was also told from a chase representative that my landlord could cancel the check and send me out a new one but when I contacted them they told me that they couldnt and the day the check was put into the account was XX/XX/2024. I have also tried to contact corporate but no luck. I hope I can get some help with my issue I am facing and thanks for reading. 

Ps : my landlords that issues me out the check is XXXX XXXX XXXX.
Product: Credit reporting

I have over XXXX inquiries on my credit report that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

It evidently does not matter how many times I open a report it NEVER gets resolved! Access to reports via on line or telephone just does not work. Example- even though reported XXXX still does not have my correct telephone number and even though I have reported and repaired the number multiple times. Equifax is on a planet by themselves. You try getting through as a citizen. My last complaint asked for a written clarification these entities do NOT use off shore out of country organizations to service our confidential information- we did not get that- even when I called and got someone off shore who stated they could help me with my account issues. So much for security!
Product: Credit reporting or other personal consumer reports

I have sent Experian XXXX separate requests to update my address on my credit report. Despite these attempts, Experian has refused to update the address. Along with each request, I provided valid proof of residency, including documents confirming that I live at the address I am requesting to be updated. However, Experian continues to ignore my requests, leaving the issue unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter by certified mail to Transunion about removing this incorrect information and they refused to remove it. XXXX and XXXX are not reporting this false information. 
Letter mailed on XXXX/XXXX/2022
Product: Student loan

On XX/XX/2024 I paid of my balance in full. Nelnet has yet to report to the credit bureau of this. Their internal system shows that it has been reported as a XXXX balance. However, it has not- they have a major glitch in their system.
Product: Debt collection

Debt is being disputed since original creditor didn't comply to accept payment on my 12th payment week and pay ( cash price ) amount as requested that day and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12 to 13 payment as listed on attached agreement. 

Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. 

Attached letter to validate debt and removal if not response is receive by due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

On XXXX, we renewed our home equity loan with First Citizens Bank. The loan documents shows our ( equal consecutive, not variable ) monthly payment is {$940.00} commencing on XXXX. 
In XXXX of XXXX, I noticed that my XXXX, XXXX and XXXX reports all show that our monthly payment is {$7200.00}. I immediately called First Citizens Bank to complain and was told that " it will be corrected ''. 
In XXXX, I checked all 3 reporting agencies and saw that the monthly payment was still showing {$7200.00}. Since the phone call didn't work, I decided to go into the First Citizens branch at XXXX XXXX XXXX XXXX in XXXX, NC ( I thought this was the local XXXX at the time ) and shared screenshots of my credit reports etc with XXXX XXXX. She assured me that the problem would be resolved and to check my credit reports again in XXXX because it will take time for the problem to be corrected. 
Since my monthly statements from First Citizens were " consistently inconsistent '' ( some months showed I owed {$940.00}, some showed {$890.00}, {$980.00} or even {$150000.00} ), I usually go inside a local branch or call ahead to find out the actual amount I owed that month. In XXXX, I called the First Citizens branch at XXXX XXXX XXXX XXXX in XXXX, NC ( my local branch ) to ask how much I need to pay and was told " my screen shows that nothing is owed until XX/XX/XXXX. I assumed that my in-person conversation with XXXX XXXX XXXX XXXX XXXX XXXX XXXX location had caused them to " make adjustments '' or whatever and that nothing was owed that month. I said " ok, I'll see you guys in XXXX ''. 
On XX/XX/XXXX, I paid {$980.00} at the local branch. The very next day, I decided to check my credit reports on XX/XX/XXXX and it showed that my XXXX payment was 30 days past due! I knew that my phone complaints were getting no results so I started calling XXXX XXXX ( VP at the XXXX XXXX XXXX ) to try and get an in-person appointment with her. On XX/XX/XXXX, I went into the XXXX XXXX branch and paid {$1000.00} towards my loan ( because the teller was unable to figure out how much I owed ). While I was there, I made an appointment with XXXX XXXX for the following day. 
On XX/XX/XXXX, I met with XXXX and I brought her screenshots of my credit reports. She called the " loss mitigation department '' and spoke with XXXX XXXX. XXXX explained BOTH credit reporting issues to XXXX XXXX still showing the monthly payment of {$7200.00} AND 30 days past due payment for XXXX even though the teller at her branch told me " no payment owed until XX/XX/XXXX ). 
XXXX and XXXX looked at my account together and concluded that in addition to the {$980.00} payment I gave them on XX/XX/XXXX and the {$1000.00} payment I gave them on XX/XX/XXXX, I would need to pay another {$850.00} to bring my account status to current. I paid the {$850.00} due 3 days later on XXXX XXXX. 
As you can see, these numbers are " consistently inconsistent '' and I never know how much is actually due until I go inside a local branch and ask them to look it up.
Product: Mortgage

We were just made aware of a sale date, by a realtor, there was no letter from PHH or an attorney. The loan was transferred from Ocwen to PHH in XX/XX/XXXX. 
The mortgage payment was received by Ocwen and processed in our bank on XX/XX/XXXX the second modification payment, this payment was made with the Ocwen automated system on XX/XX/XXXX.The statement stated ( that we did not receive ) that Ocwen would stop collecting payments after XX/XX/XXXX. 
The payment was made before XX/XX/XXXX and the monies were withdrawn from the bank account on XX/XX/XXXX. None of the monies paid into this process has been returned or proof that these funds have been credited to the account. 

We did not receive any notice of transfer and finally when we were allowed into the account, of which belongs to the owner who is now deceased, and we are still trying to correct the accounts, the grandson is trying to take responsibility for this account, we can not believe that all of the same documents that was requested by Ocwen is being requested by PHH an Ocwen company.

We have submitted to Ocwen The Family Transfer Package New Homeowner Information Owner Occupancy Certification Assumption of Liability Agreement Applicant Identification Certificate Recored Property Deed transferring title from Estate of XXXX to XXXX Driver 's License Picture Proof of homeowner 's Insurance Evidence that you are a relative of the borrower Now we have submitted three modification packages to PHH with no response but another request for a Family Transfer Package, we completed all of these documents with Ocwen.

Ocwen said we had to do the Family Transfer, the assumption package and then the modification. 
While we are trying to find out what we really need to do to bring this loan current we are facing another sale date XX/XX/XXXX. 
When you call PHH all of the calls are circular We have tried to make sense of what we can do to save this family home, we have call and spoke to just to name a few XXXX, XXXX, everyone tells you something else and when you call back no one knows what you are talking about. They make appointments they do not keep. First when we were able to speak to someone in PHH, they had already closed the modification. We received mail from Ocwen who was already no longer servicing the loan? The money was taken from the bank account on XX/XX/XXXX, according to the letter that we requested concerning the change of servicing it stated that Ocwen would not accept any payments received after XX/XX/XXXX, they did receive the payment before and debited the bank account. 

Please help us save this home. 
Thank You
Product: Credit card or prepaid card

XXXX/Chase opened a charge card under my dead husband 's name. XXXX XXXX  XX/XX/XXXX. They won't cancel the credit card. They said they need more info to get into the card. I will not provide them with any info. We only have had a XXXX card for XXXX  years. There is no other bank and we never dealt with Chase ever in the past. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX They wanted my husband 's mother 's maiden name. I was reluctant. They said this card was opened in XXXX and last used in XXXX. That's impossible. I was the only person paying our bills.XXXX  had XXXX XXXX  and this is so wrong. This must be a scam. I don't want any closure of a credit card to ruin my credit rating. They insisted on private information. There's something very wrong. 
The credit card statement is {$0.00} balance but the idea they are bogusly sending a statement must be fraud.
Product: Debt collection

ONEMAIN Account # : XXXX I Do not recognize this account, how is this account reporting on my credit profile.

I don't recognize the account status.

I don't recognize the high balance nor do i recognize the late payments associated with it everything reported here does not meet FCRA they're using a factitious address.

they're using a factitious name also there using signs and symbols on their documents to harass me 15 U.S. Code 1692- Congressional findings and declaration of purpose ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 
15 U.S. Code 1 - Trusts, etc., in restraint of trade illegal ; penalty Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.

I Can get a job or credit due to them reporting on me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX I made multiple transactions via XXXX in the amount of {$2000.00} to an imposter posing as a XXXX XXXX manager stating I needed to purchase insurance to claim or be compensated for my lost baggage with the airline. They had all my flight details. The number they used to call me was XXXX. The name of the imposter used was XXXX XXXX. They tricked me into buying a XXXX play gift card in the sum of {$200.00}. Which I also haven't been reimbursed for. I lost a total of {$2200.00} I immediately called the bank on XX/XX/XXXX to file a dispute. The claim was closed on XX/XX/XXXX stating that the funds can not be returned to my account. Please help me, I am a single mother of XXXX. Unemployed. please please please help me in being credited back my money.
Product: Debt collection

So Ive attempted to write letters and numerous disputes with this company - SCA COLLECTIONS- XXXX XXXX XXXX XXXX XXXX or around : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Although Ive had Medicaid and they specifically sent them the information that its been paid and that I had valid XXXX insurance through Cover VA Medicaid plans XXXX Ive been through over 3 hours of wait times and talking to people on the phone. Something has GOT TO GIVE!! Please help me. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant convenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have a hospital collection the i paid i contact national recovery agency they said they will take it out of my account yesterday i when out of XXXX  now is back on my account i send proof the i paid this account before XXXX  said is verified but never provided me nothing i send my proof and nothing
Product: Debt collection

I noticed a collection on my credit report and called the company listed to see what it was in reference to. It was for a XXXX account of which I never created. At the time I had a XXXX account which was in good standing and never opened the account that they now have in collections. I spoke with an agent and she saw that the account was opened in another state to another address that is not affiliated with me. I went on transition to dispute it and they have not removed it stating the information was verified. It can not be verified because the address on the account is not and has never been affiliated to me.