23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After finding my self 3 months behind on my payments I got in touch with my mortgage co. to rectify the situation and was told not to make payments and to apply for a loan modification. Following this option/answer has now put me almost five years in arrears without ever having an option to the denials afforded to me by the mortgage co. All I got was foreclosure and bankruptcy and now arrears that are beyond my financial capabilities. After filling out about XXXX loan modification packages all Citi mortgage can do is ask me to fill out another application package which will be denied again for the same reason again. Where is the other options to this situation that was caused by Cit Mortgage after I was only 3 months behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

After months of trying to rectify the problem with XXXX XXXX regarding an authorized charges and their egg Noreen my request and explanation of what was going on as a victim of identity theft. After submitting two separate FTC reports regarding the matter not only for the credit card itself but where the payment was coming from for that credit card I was told by XXXX XXXX that I could not dispute the charges even though I already had and they somehow went ignored but rather that the card was now closed and I am forced to pay whether they are an authorized or not. They did not care about the CFPB report from you guys or the FTC report when I called as recent as last evening.
Product: Credit reporting or other personal consumer reports

Data breach information used improperly thru XXXX  and two other credit companies
Product: Mortgage

Ocwen continues to wrongfully damage my credit score by erroneously reporting to the credit bureaus that I missed a mortgage payment, when I have not. Because Ocwen raised my escrow amount after buying expensive " acceptable '' homeowners insurance when I already had good homeowners insurance ( the subject of a previous complaint still being examined by them ), I chose not to pay the increased escrow amount but did pay the old mortgage amount in full each month. When I disputed the increased escrow amount and chose not to pay it ( more than {$400.00} a month extra! ), they told the credit bureaus I had missed a payment, which I had not. Further, they continue to force a hardship on me by demanding I pay the increased escrow amount while this is in dispute, resulting in a total mortgage amount of more than {$2000.00} rather than the {$1600.00} I had been paying for 10 years. In summary, they have damaged my credit and caused me severe financial hardship by raising my mortgage escrow amount unnecessarily ( I sent evidence of my insurance agent 's correspondence with them in a previous complaint ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letter for the information that needs to be re-investigated. 

1. Identity Theft XXXX Account XXXX : xxxx This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

XXXX, Trans Union, XXXX. Has cause damage to my Honorable name XXXX XXXX XXXX reporting XXXX accounts in XXXX XXXX XXXX XXXX and Social Security XXXX XXXX I XXXX XXXX XXXX, XXXX man, Secured XXXX Creditor ( UCC XXXX No XXXX XXXX ) XXXX XXXX XXXX is XXXX that XXXX XXXX XXXX XXXX their records and recording be changed to reflect perfect XXXX XXXX per XXXX XXXX XXXX XXXX credit needs to be extended per my Constitutional Rights. If any documents are need for proof of XXXX provide email and written notice. Thank you for up holding your Oath to the XXXX
Product: Credit reporting or other personal consumer reports

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatlygreatly appreciated. Thank you for your time and consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliant is against Discover Bank, account # XXXX, date open XX/XX/XXXX, account status open. On XX/XX/XXXX. I sent a dispute letter so the Discover bank can investigate on a 30-day late payment back on XX/XX/XXXX. Discover Bank fail to mark the account as disputed after they received our dispute notice, violation of FCRA and California Credit Reporting Act. Im attaching letter I sent back on XX/XX/XXXX with proof that fax was successfully received by Discover Bank. Im also including an unfiled SC-100 that I will file in the event that late payment is not remove from reports as soon as possible.
Product: Checking or savings account

First interstate Bank is holding a CD that myself and three other Siblings are named as beneficiaries.. Mom passed away and the bank refuses to divide the CD and give me my portion ( XXXX ). They are requiring all 4 Siblings to sign off on the CD. Two siblings are uncooperative. The bank is holding my money requiring some one else 's signature to release my share, First Interstate is taking advantage of the situation to keep deposits in their bank and have admitted to me it is " their '' policy, NOT the law. I have NO interest in investing with my siblings. I want my money released. This bank is taking advantage of my mother 's death to prolong holding my inheritance as part of their deposits. Despicable policy taking advantage of ( how many ) beneficiaries loss. First intertstate Bank in Grants Pass, shame on you!
Product: Debt collection

I am needing to buy a home for my grandbabies to grow up in with me. My credit report has this collection on it and I think it 's wrong. They never write me or nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX Company   Inquiries : XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

i bought the car 2008 XXXX XXXX I about XXXX years I have all problems with car Ishould have take I back I was never happy with car. there is a lot things with it .now Ido n't never when to drive it I thing going break down.i have take XXXX or dealership theysaid there a lot things wrong with it they just give me XXXX for the car.so I call XXXX XXXX were I got the car will help me they said send letter to trade in XXXX done went to get a car from there just talk me in to get this we here them just the carhad not check when send the letter trade will give XXXX for it now they will not help meI have told them I do n't went outher care from there. customer service so bad there. 
so I need your help me. I can not drive this I think got live strangit outher.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's ( XXXX, Equifax, and XXXX ) have refused to communicate via phone, letters, or internet on why my account is frozen. I have sent in paperwork without getting a response. I have called ... each CRA has refused to rectify this situation. My credit report has not been updated in over 9 months. I have creditors calling me about accounts I have not opened. I need this situation to be corrected. I need help. Please reach out to me @ XXXX
Product: Checking or savings account

On XX/XX/XXXX, an unauthorized bill payment of {$1900.00} was made from my account to a merchant that I do not recognize. Despite my efforts to investigate, there is no available information online about this merchant. I reported the incident to Chase Bank, but unfortunately, they were unable to provide any additional assistance in resolving this matter. 

The merchant 's name is ; XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

While I have been making all payments correctly on time, from the very beginning of the loan, I am receiving collection calls from the loan servicing company, fbc mortgage. 

I bought the house on XX/XX/XXXX with a loan from jet home loans. My first loan amount is due on XX/XX/XXXX, right? 

A company called XXXX sent me a letter that they are now going to be servicing my loan. The first mortgage statement they sent is nearly twice the payment amount, with a due date of XX/XX/XXXX. The excess amount is because they doubled the interest amount incorrectly. 

But I have been paying the correct amount plus {$1000.00} toward principal for XX/XX/XXXX and XX/XX/XXXX. 

In mid XX/XX/XXXX I received another letter from another company called fbc mortgage aka cenlar, stating that they are taking over the loan from fsb mortgage. It's not clear who's who at this point. 

While they say they have upto 90 days to get all the information from the previous company, they are maintaining that they haven't received my XXXX payment and are calling me and threatening me to initiate foreclosure procedures. 

Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Date of Inquiry : XX/XX/XXXX Account Name : XXXX  Date of Inquiry : XX/XX/XXXX Account Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Bankruptcy : XXXXXXXX XXXX XXXXXXXX - XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

XXXX XXXX I disputed a XXXX worth of transactions fraudulent because I lost my card. They reversed my charges and let me know that they will do an investigation. Well. XX/XX/XXXX came and they charged me the same charges saying they never received a police report and that they emailed me Requesting XXXX. I did not know they emailed me because I dont use the email address on file. The only reason its on this account is because upgrade makes you use different emails when you have multiple accounts. They told me they would reopen and I need to send in the police report So i went and got a police report which was around XXXX pages long. Because of the number of pages, I went to the library around XX/XX/XXXX to send them. The librarian told me they were sent successfully. I had her send them twice. Yesterday night I noticed they put the same charges back on my account, I called them today and they said the account was closed because they didnt get a police report. I told her I sent XXXX in twice. She put me on hold for like XXXX min then came back and said they never got it. I told her thats impossible the librarian said she sent it twice. She put me back on hold for another XXXX min then came back and said we dont accept emails from the library it has to come from your personal account and we are not opening the case back up, and I have to pay for the fraudulent charges!!!! I am XXXX!!! I told her no one told me the documents needed to be sent from my personal email and I did my due diligence sending the reports just as they asked. That was the only thing I was told was to email the reports!!!!! I want my case reopened and the charges taken off!
Product: Checking or savings account

Today, XX/XX/2024 I paid a fee to XXXX for XXXX instant transfers to my WellsFargo checking account in the amounts of {$4.00} and {$6.00}. I use this option almost daily, to transfer money into my WellsFargo account. I have never had a problem until today, XX/XX/2024. 
I used my WellsFargo debit card to pay for XXXX items at XXXX, and was shocked when my WellsFargo debit card was declined due to insufficient funds. When I telephoned WellsFargo customer service, I was informed that it is not an issue with WellsFargo, and that I should contact XXXX, which I promptly did! I have now wasted an hour of my time trying to find out why WellsFargo is not posting my instant deposit. XXXX informed me that the instant deposits are just what they say, and take mere seconds to post to a bank account. I have NEVER experienced this problem with WellsFargo before, but I fear that with WellsFargos documented record of consumer fraud and abuse, that this is yet another thing to fear from WellsFargo. Namely, deliberately not honoring deposits, and shirking off any responsibility for this.
Product: Credit reporting or other personal consumer reports

I was shocked to discover inaccurate accounts on my credit report this afternoon, and I have no idea how they got there. I routinely check my credit report, but this time there were random discrepancies that took me completely by surprise. I even tried refreshing my browser, hoping it was just a glitch, but unfortunately, the wrong accounts stayed there. Now, I'm left feeling anxious, and I need the documents I've sent to be thoroughly reviewed so I can finally put this behind me.
Product: Debt collection

In XXXX XXXX, my account was transferred from XXXX XXXX to ATG Credit to collect a debt that is owed to XXXX XXXX. In XXXX XXXX, I received final statement from XXXX XXXX that my remaining balance for my debt was in the amount of {$25000.00}. However, when ATG Credit first contacted me to collect this transferred debt it stated that I am to owe {$32000.00}. I contacted ATG Credit on several attempts to communicate that the balance due did not match what I have paid towards this debt. I also informed ATG Credit that the debt they attempted to collect does not have the monthly payments I provided to XXXX XXXX for the last two years accounted for. I still provided ATG Credit with monthly payments in the amount of {$250.00} from XXXX XXXX- XXXX XXXX, as I was instructed that they would resolve the matter. I was told from a representative at XXXX Credit that they would communicate with XXXX XXXX and the original collector, " XXXX XXXX '' to confirm my remaining balance. However, I have not received any confirmation and no one has resolved the matter. XXXX XXXX, I asked for ATG Credit to remove my credit card information and to stop taking payment until the matter is resolved. From XXXX XXXX, this is still an issue that has not been resolved. I am continually receiving letters from ATG Credit stating that I owe {$32.00}, XXXX in full, but nothing that confirms they are looking into resolving my remaining balance due. I have not received payment confirmation from ATG Credit for payments made between XX/XX/XXXX-XX/XX/XXXX, even though I have requested this each month. I changed my address to my parents ' address in the event that I was not receiving their letters, but even with the change in address nothing was or has been delivered to my parents ' address as well. I worry that this company is collecting debt with no clear statement of what the remaining balance is. It should not take a matter of six months to communicate with the debt collector what the remaining balance of the loan should be. ATG Credit has been very rude and provided poor service to resolve this matter. I have faxed and emailed ATG Credit my last balance statement from XXXX XXXX as proof of what my remaining balance should be, and the matter was still not resolved. This collector is not doing their part to fix this issue.
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. 

Account name : XXXX XXXXXXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account number:XXXX Account name : XXXX  XXXX Account number : XXXX has violated my rights. Or list of inquiries 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.

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

I am writing to express my dissatisfaction regarding the handling of disputes I have submitted to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Despite my efforts to rectify the inaccuracies by detailing the accounts and violations in my consumer report, I have yet to receive any response from your organization within the stipulated 60-day period.

Enclosed with this letter are copies of all correspondence sent to your respective bureaus for your reference and review.

It is imperative to note that your failure to respond within the designated timeframe is not only a breach of the Fair Credit Reporting Act ( FCRA ) but also a violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your failure to validate the collection account in question is in direct contravention of FDCPA 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

Additionally, it has come to my attention that the reporting of the account 's last activity violates 605 ( c ) of the FCRA. The reported date does not accurately reflect the last date a payment was made, thus further exacerbating the inaccuracies present in my credit report.

I hereby demand immediate action to rectify these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal recourse to ensure compliance with federal regulations.

I anticipate your prompt attention to this matter and expect a timely resolution. Please acknowledge receipt of this letter at your earliest convenience. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent Equifax a letter trying to rectify this situation. Please review the attached documentation, and remove any names or address that do not match.
Product: Prepaid card

I transferred money from my card to a bank account. The same night i was charged again. I spoke to customer service three times and was told to wait 24 hours. Which i did. I was then hung up on when i called again and asked for the eztra charge to be reversed and my money put back on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not update their information, things for 7 years ago that has been paid off is still on my report. I have been having issues gaining employment because of credit report issues.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX 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 violate the Consumer Financial Protection Act ( CFPA ). 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 procr was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have sent I C System 3 letters and I have not received any letter verifying the debt. The first letter I sent was on XX/XX/2022 requesting validation of the debt. The second letter was on XX/XX/2022 requesting additional information on the account. The last letter I sent them was on XX/XX/2022 warning them I will file a dispute with you guys. I also have not received any written document informing me of my rights to dispute.
Product: Debt collection

Portfolio Recovery assoc iates,  XXXX . Repeating daily calls to collect a debt I do not owe or even previously dealt with company in the past they represent. Demanded there is no on else with my name, and I was trying to avoid taking care of my responsibility. I am not the first I am the third  XXXX  in the family. I have repeatedly asked to have my number removed from their list.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX 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 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

This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account.