23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was approved for a loan modification on XX/XX/XXXX by Mr.Cooper. The loan modification trial period is {$780.00} for ( 3 ) months XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I spoke with several " specialist '' not customer about the loan modification. Mr. Cooper received a money order for {$1100.00} via XXXX XXXX on XX/XX/XXXX. They took {$780.00} and applied to my 1st loan modification pay for XX/XX/XXXX. A specialist informed me that I had a credit of {$310.00} on my account for my XXXX payment and i needed to only pay {$460.00} for XX/XX/XXXX. I called back yesterday XX/XX/XXXX because I received an email from Mr. Cooper that they were changing my email to my sisters email. I wanted to confirm the {$460.00} payment for XX/XX/XXXX. I was told my house was in foreclosure and not eligible for the loan modification. Then I was told that my credit of {$390.00} is not available for me to use towards the XX/XX/XXXX payment. I was told that any payment that they received before my trial period started is considered a partial payment and not eligible to be used on my account. They received a payment of {$1100.00} on XX/XX/XXXX but yet applied to my trial period. Mr. Cooper is making up the rules to benefit them. I feel that Mr. Cooper gave me fraudulent information to sabotage my Loan Modification to foreclose on my parents house. If I wouldn't have called to Mr. Cooper yesterday, I would have been kicked out of the Loan Modification for a partial payment. When you complain the first thing the rep does is say the house is in foreclosure or they accuse you of being poor and not being able to make payments.
Product: Prepaid card

Chase When I bring it up your staff decided to lie and say I don't have a credit card with chase. A lie because you keep sending me a notice that my credit card is 30 days overdue. You have unclean hands on my mortgage with XXXX XXXX and helping him to steal my identity without repairing the problems you created. You have emboldened him including ignoring to mail to my mailing address the escrow checks XXXX of them he cash at XXXX XXXX XXXX XXXX. You lied over and over telling me that you could not update my address in your system and mail them and the claim form to him the Criminal. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, mi Now you refuse to work with detective XXXX to resolve your own criminal behavior to pay the XXXX rightful Claims. 

Explain the wrongful actions on the credit card?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2020. 

I sent a secure message to the bank asking them to close my account. 

They replied on XX/XX/2020 saying that I need to go to the branch. 

Theres a global pandemic going on and I have elders at home so I cant risk going out. 

One month later XX/XX/2020 they still havent closed my account and now its over drawn from monthly fees.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid membership with XXXX  Credit reporting to monitor my credit report and credit scores. On XX/XX/2021, I contacted their dispute department and inquired why I received an alert from them, indicating that my credit score dropped 3 points. The customer service personnel couldn't find or tell me why my credit score dropped from XXXX to XXXX. I previously disputed, with XXXX, Equifax, and XXXX, that I paid off two ( 2 ) auto loans and a student loan early that wasn't reflected on my credit report. At the time, XX/XX/2021, when I disputed the loans not reflecting paid off on my credit report, my credit score was XXXX. When I spoke with XXXX  dispute personnel yesterday, I asked why haven't my credit score increased since paying off two auto loans and a student loan 5 months ago. I further mentioned that my payment history is exceptional, no late or missed payments. He stated to me that he sees that my payment history is exceptional and doesn't understand why my credit score isn't higher, as well as why it dropped XXXX points yesterday. I have filed disputes with all 3 credit reporting agencies, and haven't received any explanation as to why my credit score hasn't risen, but has dropped. My ethnic background is XXXX XXXX and I am really feeling like I am being discriminated against, and these companies are purposely decreasing my credit score. I'm sure they will deny discrimination, but what is their reason for dropping my credit score. I am not the only American that has at least $ XXXX in credit cards. I have no missed or late payments with any of my credit cards, actually I have been paying some of them off, decreasing my credit balances. I just wants answers. My credit score should be higher, not decreasing.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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.
Product: Debt collection

In checking my monthly credit report, I found that an unpaid charge to XXXX wireless had been turned over to collection. I do not have a XXXX account and never did ; there was a notation on the report that my information was turned over to something called " the dark web ''. I called XXXX XXXX and asked to speak to someone in their fraud department. they referred me to the Collection agency handling the claim. This is the information told to me by the collection agency. the account was opened on XX/XX/23 and closed by XXXX on XX/XX/23 ; it was sent to collection by XXXX on XX/XX/23, for the amount of XXXX as the balance due. The collection agency provided me with a street address and an email address, neither of which are mine. If you need it I can provide the XXXX account number and the collection agency account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX {$810.00} XXXX {$20000.00} XXXX {$1700.00} XXXX XXXX 's {$270.00} XXXX  {$1300.00} XXXX XXXX {$520.00} XXXX  {$840.00} XXXX   consumer finance division has agreed to a {$550.00} million deal to settle allegations that it placed consumers into loan arrangements with a high risk of default. 
XXXX XXXX XXXX XXXX settled with 33 states and the District of Columbia. It agreed to pay {$65.00} million to customers affected by the practices, as well as waiving {$470.00} million worth of outstanding loan payments. It also agreed to pay {$7.00} million to states to cover restitution claims. 
Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ).
Product: Payday loan, title loan, or personal loan

I am receiving harassing phone calls and emails from the 2 collection companies that XXXX XXXX is using to collect whats I owe. I have spoken with the collection agency and gone over everything with them twice and they are verbally abusive, threaten me and speak down to me. They raise their voices during the call as well. They call my work phone and cell phone every morning and every evening including weekends. They are sending emails threating wage garnishment and the amounts do not match what I owe. I have hired a credit counselor to assist me and even he can see that the information isnt accurate. We have been disputing this for a month but the harassment and threats are what need to stop.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXXXXXX 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 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, 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 to any 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, Balance {$0.00} ), XXXX  XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$910.00} ), XXXX  XXXX XXXX  ( Opened Sep. XXXX, XXXX, Balance {$450.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

The account ending in XXXX was opened in XXXX  and had a levy on it, I was told it was closed. 4 years later I receive a charge off with funds owed. Apparently I had {$33.00} in the account but it had disappeared from my online banking and I had no idea I had it still, them they started charging XXXX per month until it charged off then added XXXX charge off fee and send me a bill for {$76.00}. I guess after they accumulated the charges then they send out a letter to my address after they say they might. They claim they sent to a XXXX XXXX but can't give me copies. I don't feel I should be on the hook for {$76.00} when they didn't give any notification.
Product: Bank account or service

On more than one occasion I took a check written to me from a business to their bank ( and their bank branch ) and was informed by the bank I would be charged a fee because I did not have an account at that bank. Their client wrote the check to me for their convenience and record keeping, I should not be penalized. If I deposit the check in my account and if funds are not available then my bank will charge me a fee. I should be able to cash a check written to me at the bank that the check was drawn from, without being charged a fee.
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. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX  Bankruptcy 15 U.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.
Product: Checking or savings account

I opened a Capital One Money Market Account. Met all of the terms for the {$500.00} bonus, but Capital One refused to give me the bonus. The terms state that you need to deposit XXXX by XX/XX/XXXX. I deposited XXXX in a few transactions, then reached out to get the status of when I would receive my bonus, they said I did not meet the terms. They stated that my account did not have a balance of XXXX. No where in the terms does it say I need to have a balance of XXXX, only XXXX in deposits. Please see the attached PDF with the offer and offer terms. You will see no where in the requirements does it say the word " balance ''.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX - 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 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 IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal
Product: Mortgage

1. Purchased home in XXXX XXXX. Ajustable Rate Loan with Countrywide Mortgage. 2years fixed then adjust 2. Tried to refinance around XXXX XXXX 3. Could not afford to refinance due to ridiculous terms 4. XXXX XXXX, 1st and 2nd mortgages more than doubled. Could not afford payments due to bad economy 5. Made no more payments after XXXX XXXX 6. The loans were transferred from one company to another for 3 years. Band of America eventually supposedly had loans. They finally foreclosed on our loans in XXXX XXXX. We went to hearing and asked for original note. They did not have it. Told us to go back for a second hearing the next week which we could not attend due to work. They foreclosed. Bank of America used XXXX to foreclose on our home. SC is a judigital state. They illegally foreclosed our our home. They could not produce original note at 1st hearing. The judge allowed the foreclosure to go through anyway. 
7. We tried to contact a lawyer to handle this and have been unsuccessful in acquiring one because every lawyer we speak with wants us to refinance. We absolutely REFUSE to refinance because everything with this home was done illegal. If we as consumers would have committed fraud, we would be in jail! 
8. Our loans are now with XXXX. They keep sending us bills. I have recently found out that we are still owners of the home. We could move back in if we wanted to. But we are in limbo concerning this home. I found out it is what the legal system is calling a zombie house. The bank can not legally sell it or do anything with it, but neither can we. We can move back in, live in it for the rest of our lives but we can never sell it or leave it to our children. 
8. The only info concerning this home on our credit reports are where Bank of America has transferred the loans. Doesnt say to what company or anything? It is derogatory on our credit reports. No other information is available. 
9. We need to know what to do with this home due to Bank of America 's illegal foreclosure? And we want it removed off our credit reports. 
I hope this is the right place to help us take care of this situation? 
XXXX.
Product: Student loan

I unenrolled from the school with In XXXX weeks of the program and they told me I still had access to the program for the rest of the month. XXXX advice them I was not happy with the program and they went ahead and re enrolled me for the next class instead cancelling me out. I was advised I could cancel within the first XXXX weeks which I did and they still enrolled me without my consent.
Product: Student loan

I called AES in XXXX, after be devastated by XXXX XXXX in Florida. I was told, I would be granted a three month disaster forebearance, Later, I received a letter stating I would owe in XXXX. After calling AES, the story changed, I was told they would have file paper work with XXXX to request a forebereance. Now, I am being told that I will have to pay {$460.00} on XXXX XXXX, to keep current. 
This information should have been explained in detail with my first phone call. I have {$5600.00} deductible which I have to pay first before my roof is replaced. XXXX, has only offered me a loan, for which I was denied. I ca n't see why XXXX refuses to help in the time of disaster and or why AES can never relays correct information. AES loves to say the calls are recorded for training purposes, pull the tape and listen. I can not afford this payment and replace all that was lost in the storm. My roof was destroyed, along with my garage, and water damage.I am single parent working on a teachers salary, apparently to be a victim of disaster means nothing to XXXX.Who is only concerned about money.
Product: Checking or savings account

On XXXX I opened a account with sofi Bank and on XXXX I funded the account with XXXX dollars. Later that day on my first transaction for XXXX dollars they froze my account and refuse to tell me anything or allow me to speak with anyone that could resolve the issue.
Product: Mortgage

Complaints : 1 ) Loan Servicer Refuses to recognize and adjust the correct interest rate on the Loan.

2 ) Loan Servicer refuses to contact the Lien Holder to ask for temporary and or permanent forbearance.
Product: Credit card or prepaid card

Step 1 : What is this complaint about? 
To dispute AMEX report on my account of a serious delinquency /late payment of credit card balance Step 2 : What type of problem are you having? 
The complaint is about report submitted by AMEX on my account stating delayed payment of my credit card balance which as a result affected my credit score and decision of my recent application to XXXX XXXX XXXX Credit Card with XXXX. 

Step 3 : What happened? 

I owned AMEX premier Gold card since XX/XX/XXXX and I have been diligent with my bill payments and on-time until XX/XX/XXXX when i received a communication stating i could start paying minimum bill only against the previous policy of paying my balance in full by every month. I thought this was convenient ( just like every other credit card ) to pay only minimum balance, and i thought AMEX was trying to give me the flexibility and opportunity to use my credit card more. This communication also came at a time i recently bought a house hence, what an opportunity presented to me to take care of my immediate needs. 

I made few transactions with the card and i ensured i was paying back biweekly but to my surprise, AMEX was still demanding full payment by month end. I made several attempts at clarifying with all their several agents that called me to no avail. I explained what i knew was the norm, and the communication i received from same company stating i could be flexible and also spread my payment. 

Step 4 : What company is this complaint about? 

AMEX Step 5 : Who are the people involved? 

AMEX subbitted a negative report which affected my application to XXXX for XXXX XXXX XXXX XXXX