23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I fell behind and my Mortgage due to Covid and my kids were not working at the time, and my fianc is out of work due to an injury at work and got a total XXXX XXXX. She hasn't been back to work in XXXX years. She's trying to get Social Security XXXX. Her case is still going on. I tried XXXX times in 2023 to get a modification from XXXX % PHH mortgage services and they denied me both times. Also, towards the end of 2023, I went and got help from a homeowners assistance program to help me communicate with XXXX to get a modification and they denied me again because they said I had too many modifications, and I'm at the lowest rate. So, the Homeowners assistant suggested that I do a repayment plan. In XX/XX/2023, I requested a repayment plan. I told the mortgage company that my daughters are working again, and I offered the mortgage company {$17000.00} to start the payment plan and they didn't want to even look at my request for the modification for the repayment plan. I would like for you to help me get back on track with the mortgage company. I don't remember all the dates, but I'm sending the documents with the dates on them
Product: Debt collection

My name is XXXX XXXX. I resided in an apartment complex called XXXX XXXX in XXXX XXXX Arizona. Address is XXXX XXXX XXXX  XXXX XXXX. XXXX, AZ XXXX. I rented from XX/XX/XXXX to XX/XX/XXXX in apartment XXXX and finished the lease. We did a walkout inspection with a management employee and he claimed there were red floor stains on the vinyl, which is not true. I have taken video and photographs with a newspaper for the date and time to prove it. The apartment management refuses to acknowledge this. I also sent letters requesting information about the charges, what company they hired to fix the floor, or when the work was done. When I approached management again, I asked for a receipt to prove the repairs they made, but they could not provide it and claimed they had no such receipt in their files to even prove they did the work on the floor. Also, before my family moved into the apartment, the floors were heavily scuffed, discolored, and damaged and we notated that with our move-in inspection. The apartment also did not notify me of their intent to send me notification of forwarding this claim to creditors. With counseling, I sent written letters to the apartment and even sent certified mail with no response. The mark on my credit is still on current reports. My wife also filed a complaint to consumer finance back in XX/XX/XXXX to look into this matter and was able to have this negative mark removed from her credit, but XXXX still has not taken it off mine. 

The debt collection service is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the representative is XXXX XXXX.The dollar amount they are attempting to collect is {$120.00} and {$18.00} of that amount was interest unless the numbers changed recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XXXX/XXXX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Product: Mortgage

I am Looking to file a formal complaint against Ocwen bank. All documents requested by Ocwen were submitted several times with conformation of acceptance. They have been using several stalling tactics with both payments ( Public Adjuster Fees / Rebuild monies ). 
They continue to give different answers and lie with every phone call made. The final inspection has been preformed and completed successfully at this date. Now again, they are asking for further documents that had been sent several times in order to issue payment for both the Public Adjuster / Contractor and homeowner. We are now left with no where else to go besides making a formal complaint against Ocwen. The repairs have been completed for XXXX month without any disbursement. As a consumer I would stay far away from this company, considering my current situation and stories I have heard about how they treat their customers.
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a vehicle that was financed through Ally Financial. My first car payment was due at the end of XXXX. When my car payment was due the government shutdown occurred and I was without pay until XX/XX/XXXX. I immediately contacted Ally Financial to let them know I could not make my car payment. They were SO understanding and offered a 90-day payment deferment until XX/XX/XXXX. I felt so relieved! They only explained to me that my payment was deferred and my payment would have a new due date. When the new due date approached I checked my account and found out the car loan was WELL beyond what the loan was. They charged me 20 % interest every single day that I was unable to make the payment due to the shutdown. They made it seem like they were helping me. The loan amount originally came to slightly over {$20000.00}. To date, I have paid them over {$3500.00}. In XX/XX/XXXX, the vehicle was totaled in a car accident. My insurance company paid Ally Financial {$19000.00}. My gap insurance paid Ally Financial {$410.00}. To this day, Ally Financial is reporting that I still owe them {$1700.00} because they charged me unknown fees when my vehicle was paid off. They are demanding I continue making {$500.00} payments and even harassing me at my work to get payment from me. They have received well over what my loan was worth. They are being completely unwavering and unwilling to settle this debt. I think it is unfair and unjust that they are collecting profit from a situation I had absolutely no control over. They offered a solution by deferring the payment only to cause me a hefty price to pay for it. I really need some help to resolve this matter because no one in Ally Financial sees how unfair it is that they are coming after me for a debt I do not owe. They are reporting me as late and have been reporting me as late on my credit report since the vehicle was totaled because I did not make a payment knowing the car was totaled and insurance was going to give them close to what the loan was worth. I thought that would take car of the amount owed and the debt would be paid but they still came up with a way to try to force more money out of me. I work for a federal agency and they are harassing me on my work government phone line as well. I have attached the gap insurance findings. As you can see, the balance when the car was totaled was less than $ 20k. They were paid out for the car but they are still reporting that I owe {$1700.00} and they are calling and emailing me to collect a {$490.00} payment from me. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear ConsumerFinance.Gov : Hello. I haven't been able to get a credit report from any of the 3 credit bureaus for about ten years. A few years ago, I filed a previous complaint with ConsumerFinance. The result was that someone sent me some emails for a few months, apparently trying to emotionally smooth me. Nothing ever happened from her email messages, since I still am not able to receive a free credit report from any of the 3 credit bureaus. Also, I am unable to update my personal information or remove false information. When I get online at their websites, I am told I need to call a phone number. When I call that phone number, I am told to either go online, or submit paperwork to them through the postal system, or submit identity documents to them by email. I do whatever they ask, and the result of it all is that the 3 credit bureaus say they can not verify my identity. I submit everything and more, with beautiful museum quality documents, and still, they can not verify my identity, with my most current driver 's license, SS card, birth certificate, current voter registration, passport landing page, current car registration, current car insurance, recent bank statements, and recent mobile phone billing statements. No matter what I submit to them, they claim they can not verify my identity, claiming it doesn't match their records. They refuse my accurate records. I am a USA-born, USA citizen, speaking perfectly fluent English and having the most elegant communication skills, and the 3 credit bureaus can not verify my identity. Please help.
Product: Vehicle loan or lease

I applied for a car loan for a new car and was rejected on four reasons why the car loan was not approved. I disagree with PNC 'S reasons for rejecting my loan request. I Have one credit card with PNC and I pay on time. I have enough money to pay for the loan each month. I clear {$2600.00} dollars each month. I have a present car loan with another company that will be paid off at the end of this year. I am not behind and I have an impeccable credit report. There was a time that my credit was poor, but I endeavored to repair my own credit scoring ; fortunately, I succeeded. I believe that PNC is discriminating against my age and longevity. There is no rhyme or reason that PNC should deny me the opportunity to achieve the American Dream as a XXXX. I have had several disputes with PNC in the past few years and I have become exasperated with the nonsensical, racist and age discrimination behavior if PNC. The reason I have not approached another company for a loan, I don't want to give PNC the satisfaction of running or disappearing. Afterall, that's probably what they want. I will stay on and report all wrong doing by PNC until they respect me as a viable and good customer. I'm still livid about the money that PNC would not return to me by an Airline that stole money from my bank card. It was a company that sold tickets for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, XXXX ACCOUNT NUMBER # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 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: Checking or savings account

XX/XX/2023 a purchase was made from my XXXX account that was hacked into. The purchase was made for a delivery to a house in XXXX Virginia witch is 2 hours away from me as well as I do not know the person the made the purchase. The bank was contacted and they denied to look into the claim and informed me that they believe I am the one who made the purchase without doing any type of investigations.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I fully paid off my XXXX XXXX XXXX account, and the payment posted at XXXX XXXX  that same day. Although the account currently shows a {$0.00} balance, it is still being reported to all three credit bureaus as charged off. This reporting is incorrect, and I have not received a 1099-C, which XXXX would be required to issue if the account had indeed been charged off. 

Attached is a screenshot of the current XXXX Account status. It shows that the account was paid in full and has a current balance if {$0.00}.
Product: Prepaid card

There are several questions regarding the whereabouts of the funds of which I was supposed to have received from the EDD. However for this complaint Ill narrow it to one transaction in the amount of {$2000.00}. According to documents received from BofA on XX/XX/year> I transferred {$2000.00} to a savings or checking account. Never once did I transfer money in or out of this account. I wouldnt think it was possible. When I called and asked to what checking or savings account the {$2000.00} was transferred to, I was told they could not give me that information. I then asked for copies of my statements. Which Ive asked for on several occasions during the time I was using this account and never received them. The following documents is what I received as my statements. After adding all the amounts up including all duplicate amounts, they equal what the EDD shows as received according to the 1099G form the EDD provided within a XXXX  XXXX XXXX. Which clearly indicates I was double charged for nearly all purchases by Bank of America. The documents received indicate the {$2000.00} transaction as something different than that on the statement. The description was changed to now say Direct Deposit Funds Transfer to checking/savings. Another documents I received from Bank of America indicated the funds went to XXXX XXXX. So which is it? Where exactly did these funds go to? And who transferred them? I went onto my EDD/XXXX  account and there are no payments according to them! No over payments! Actually there was an alleged XXXX over payment approximately a year earlier in the amount of {$350.00} and was deducted from my benefits but when reviewed again, it was discovered as a mistake and was supposedly reissued at the end of my payments of benefits. However I dont see that amount anywhere in the docs, Which will be another complaint. Incidentally, I worked for the EDD from XXXX and still have friends from Administrative Law Judges to Office Technicians who still work at both XXXX and EDD, I actually worked for the XXXX  And boy, we are all in for a long drawn out disgusting ride! Soo not only is Bank of AMERICA stealing funds from their customers ( unemployed customers ) but they are manipulating the documents to benefit their fraudulent manipulative thieving ways! I will be submitting SEVERAL MORE COMPLAINTS IN THE NEAR FUTURE! And if I or any other citizen did what they have done, wed be in prison! So whats up? XXXX XXXX XXXX! I imagine eventually someone will!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX  XXXX  XXXX/XXXX  XXXX XXXX  act # XXXX with XXXX, XXXX  and Transunion and the fraudulent, incorrect information is still there. 
I do not know who XXXX  XXXX  XXXX/XXXX  XXXX XXXX  is. 
I have never signed an agreement with XXXX  XXXX  XXXX/XXXX  XXXX XXXX  They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX XXXX account XXXX with XXXX, XXXX  and Transunion and the fraudulent, incorrect information is still there. 
I do not know who XXXX XXXX XXXX  account XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020
Product: Debt collection

XXXX months I have been disputing this debt with this agency All they do is verify the debt this is a third-party debt collection I have called them asking if they can send me proof of the date the account was open and closed and even spoke with a manager all I was told was log on to the portal and pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account which displayed its account status incorrectly, and against my wishes or knowledge Experian inserted this as " Your Statement '' **CONSUMER STATEMENT** XXXX ACCOUNT CLOSED BY CONSUMERS REQUEST. 

According to a document hosted on Experian 's own website, this payment status code indicates " Current account/Was 60 days past due date XXXX or more times '' Anyone wondering, including creditors, can easily find the same document on XXXX. 

This account was never paid late. The creditor, XXXX XXXX XXXX XXXX, to my knowledge never reported the account as late. Prior to my disputing the account on a related matter, Experian never showed the account as late during any of the reported periods. 

This account, which I am still trying to speak with a supervisor about, is currently reported wrong on the status as well for which there is a separate complaint.
Product: Debt collection

Repeated calls multiple times a week at times. Repeated calls late at night. This company is straight up harassing me. I have emailed them and repeatedly told them to stop calling and they don't
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX, XXXX   XXXX, XXXX  XXXX
Product: Credit card

I had a Quicl silver Master card from Capital One.I had not used it for two years.Recenntly they sent an email that they had de-activated my card becuase of inactivity.They claimed a letter was sent in XXXX XXXX to alert me which I never got.I had a reward balance of about {$230.00}. They refused to give me the rewrds saying the account was closed.I think this is fraudulent.
Product: Debt collection

I came home tonight and had a message on my prepaid cell phone, which is using up my minutes, from some debt collector called D & A calling from XXXX and telling me to contact them at XXXX ext XXXX and I have NO IDEA who they are, have never been sent any letters to verify any debt whatsoever, so they have broken the FDCPA just like another collection agency I just reported to your office a week ago doing the same!! I want all of these calls stopped now and both companies held accountable by the law, fined and shut down and I am also reporting all to the IL Attorney General XXXX XXXX and several others, including President Trump since his new XXXX is NOT doing the job he is PAID to do which is to enforce the laws!!!!! I do NOT want to be contacted by this company or the other one that just pulled the same XXXX again, this is my official " Do not contact '' letter through your office to both of them!!!! I am not paying them any money, they are only trying to take advantage of a widowed mother!!!! Enforce the laws on them!!!!
Product: Checking or savings account

ON XX/XX/21. BANK OF AMERICA INFORMED MY COMPANY XXXX XXXX XXXX  THAT THRY HAVE DECIDED TO CLOSE OUR SMALL BUSINESS ACCOUNT. IMMEDIATELY ON XX/XX/21 WE WERE RESTRICTED FROM ANY ACCESS TO ACCOUNT # XXXX. WE COULDN'T WITHDRAW FUNDS, ACCESS FUNDS THROUGH ONLINE BANKING, WIRE FUNDS, STOP PAYMENTS, GO INTO A STOREFRONT AND CASH CHECKS. NOTHING. HOWEVER BANK OF AMERICA ALLOWED ANY CREDITOR TO CONTINUE TO ACCESS THE ACCOUNT THROUGH DAILEY WITHDRAWALS BEYOND ANY CONTRACTUAL AMOUNTS EVEN AFTER STOP PAYMENT REQUESTS WERE MADE. BANK OF AMERICA FAILED TO PROTECT US THEIR CONSUMER AND OUR PROPERTY UNDER THEIR CARE. CAUSING OUR SMALL BUSINESS TO GO FROM 23 EMPLOYEES TO 6. FROM XXXX PER MONTH INDEPOSITS TO XXXX. STOPING US FROM BEING ABLE TO MAKE BASIC DECISIONS AS TO WHO GETS PAID ETC. PUTTING US IN CONSIDERABLE DEBT. FACING LAWSUITS FROM CREDITORS BECAUSE WE COULDN'T ACCESS THE MONIES DEPOSITED. CAUSING US IN FALL INTO BANKRUPTCY.
Product: Credit reporting or other personal consumer reports

The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, has violated my rights. 

I looked at my XXXX, XXXX, and Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible ACCURACY of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) PROMPTLY notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

My credit Report was pull and use with out my constent
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 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 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: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal be insurate or invalidates any listing of any information to a credit reporting repository that could It your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.