23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been involved as a Defendant in a contested foreclosure action. I have both attempted to settle the matter and disputed the validity of the alleged debt. Unfortunately, several attempts to modify the loan were either botched or were not serious offers. I was forced to file bankruptcy to stop the sale of my home. 

There was an approved loan modification offer sent by mail which was sabotaged in XX/XX/2018 by the Ocwen/XXXX attorney XXXX along with my Bankruptcy attorney. XXXX made several token offers which did not appear to be serious. During this time, I attempted to access the Ocwen website and found that my account was blocked / flagged. My attorney has asked for a break down of arrears in which we received no response. Our calculations show the balance to be close to {$110000.00} where Ocwen claims a balance of {$150000.00}. 

I represent myself in bankruptcy and I am told by Ocwen to speak with an attorney. I am now pro se and my attorney friend is only consulting and assisting in certain areas. I informed XXXX XXXX numerous times that I represent myself and that information must be released to me only. The trigger to these events appears to be the discovery by bank Attorneys that an approved loan mod was sent " inadvertently '' in XXXX. 

The loss mitigation/loan mod program run by Ocwen was designed to fail in my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Closed my Capital One Account a few months ago, this was a Pre-Paid Credit Card & the only way that I could Close this Account, I had to Pay the Balance off in Full, a few days ago, I received a Credit Report from XXXX & to my surprise. Capital One has submitted a FALSE REPORT, SATING THAT MY ACCOUNT IS 30 DAYS PAST DUE. This is a False STATEMENT & THIS IS CAUSING MY XXXX XXXX to fall tremendously low. I tried to log onto this Account, but I can not contact them via my Log in information,,,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having an on-going issue with Transunion for the past year. The company has been reporting 2 separate ( negative ) accounts on my credit file that are both in error and completely incorrect. Both accounts are for the same company XXXX XXXX XXXX XXXX. Both accounts are for the same exact thing and everything from the amounts, the " date open '', to the status etc are all incorrect and in error. I have reached out to Transunion a total of 3 times, disputing both accounts and have not received anything back aside from an updated letter stating " The information you disputed has been verified as accurate. '' The last two disputes were sent certified mail which I have proof and still no resolution. I am requesting these inaccurate/incorrect accounts be removed from my credit file as soon as possible. Please assist me with this issue and I will provide any and all documentation that I have to get this issue resolved.
Product: Mortgage

I was a customer of the XXXX XXXX program where they submitted payments to the mortgage company on your behalf in an effort to pay off your mortgage earlier. The program worked great until they were sued. XXXX sent me an email letting me know they had been shut down but they already had my funds and they would make my payment. XXXX never made the payment and before I realized they did n't I was reported 30 days late with Caliber Home Loans. I have tried to dispute the charge but they refuse to remove it from my credit report. They said it is my fault I used a XXXX party company. I have filed XXXX disputes with Caliber home Loans and XXXX disputes with all three credit bureaus. Caliber refuses to remove it despite my good payment history in the past.
Product: Debt collection

Mountain Run Solutions , LLC is a predatory collection agency. They were somehow able to purchase a debt that I had already resolved with the original creditor and initiated unfounded collections against me. 

I asked XXXX XXXX a collector with Mountain Run Solutions to get a transcript of my customer service interaction with the original creditor, XXXX, and he refused to provide me with said information. If Mountain Run Solutions , LLC could access the transcript from XXXX that occurred some five years ago they would see that XXXX took no further action on collecting on what XXXX initially claimed was a balance due but then ultimately took no further action to collect. 

I do not have time to deal with being harassed by this unscrupulous collector. Please review my complaint and advise. Please note that I am not alleging criminal activity of any kind but rather a potential abuse of standard collection activities.
Product: Credit reporting or other personal consumer reports

This is a follow up to seek another assistance from you to solve this matter. Despite my repeated attempts to rectify these inaccuracies with the respective financial institutions and credit reporting agencies, the errors remain unresolved. Specifically, I need help with the removal of incorrect late closed accounts and charge-off accounts from my credit report. My credit report includes charge-off accounts that are incorrectly reported. I have provided evidence to the financial institutions demonstrating that these accounts should not be classified as charge-offs. My attempts to resolve these issues directly with the institutions and through the credit reporting agencies have been unsuccessful, and the erroneous charge-offs remain on my credit report. The ongoing presence of these inaccuracies on my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB 's intervention to ensure that these matters are resolved promptly and that my credit report accurately reflects my credit history. XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. 
XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX XXXX XXXX : {$200.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.
Product: Credit card or prepaid card

ive been informed that as of yr XXXX i was and have a account with such wellsFargo upon calling in being denied having and such Account!!!!??, nor is such account number is verifiable. maybe a miss-translation from were such account exist.. was the thought as well. so after going back and forth with, i should have, it has to be 's recieved an account as well as A last 4 digit card number..proceeding to trace this misstories phatom account finding that account has no previous link to any bank as what 2 offical currency establishment claim ..as for the 4 digit for card that was provided.. was linked to a vertiual account closed back in XXXX XXXXim needing help with a seriously large amount of fund i have yet to recieve ..can i please get assistance with this matter as soon as a professonal recieve this complaint..
Product: Student loan

Mis-allocation of funds more than XXXX time, and addition of " fees ''. 
Making it very difficult to bring account current as " overdue '' balance is inaccurate and adds up. 
XXXX phone calls today alone, the most recent being at XXXX on a friday evening.
Product: Checking or savings account

Hello, I was notified yesterday XXXX XXXX  ) via email to verify my personal email address for an account and notifying me that I had been enrolled in mobile and online banking from the Bank of America. 

I had not requested to open any account and when I called Bank of America to verify they could not verify where I had opened an account with them or not. 

I am worried my SSN is floating around now and being used to open other accounts or for fraudulent use. 

Thank you.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to visit my mother when I got back after XXXX XXXX of XXXX I noticed a few charges I had not authorized on my providers debit card issued by XXXX XXXX I have tried to make a dispute with them I even appealed there decision mind you that they had come to a final decision after just two business days that is not a thorough investigation at the time of my trip my phone cards and everything had been stolen and used I even sent in my police report number and documnet from the FTC so with my police report and all other information they are sticking to there final decision I need helo and knowing what other options I have and this was not authorized and these are my XXXX XXXX XXXXXXXX benefits that they are not helping me with I would appreciate if XXXXhr company would thoroughly investigate and take more than two days to look into this anf help me
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report, as reported by Experian, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding the discrepancies outlined below, and to date, they have not responded. I kindly request your assistance in addressing these issues. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported Balance of {$11000.00} is inconsistent with my recollection, and the Past Due information for a closed and charged-off account is inaccurate. I request your agency to revise the Past Due information and mark this account as disputed to prevent further negative impact on my credit score. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$640.00} ) : The inflated and inaccurate Balance of {$640.00}, along with the inaccurately reported Past Due amount, requires correction. This account was closed and charged-off, and the Past Due should not be stated. I intend to contact the creditor directly, and I request your agency to mark this account as disputed until the matter is resolved. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ) : I dispute the reported Balance of {$2200.00} and request the removal of the Past Due information for this closed and charged-off account. Please mark this account as disputed while I resolve the dispute with the creditor, and verify the Date Opened, Date of Status, and First Reported. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : I question the accuracy of the reported Balance of {$1000.00} and dispute the Past Due amount for this closed and charged-off account. I intend to clarify this matter with the creditor and request your agency to mark this account as disputed to prevent further negative impact on my credit score. Additionally, please verify the Date Opened, Date of Status, and First Reported. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$15000.00} ) : The reported Balance of {$15000.00} is disputed, and I insist on an investigation into the account, including verification of the dates : Date Opened and Date of First Delinquency. I have not been contacted by XXXX XXXX, and I dispute the entire account due to these inaccuracies. 


XXXX XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported Balance of {$11000.00} is disputed, and I request the account be marked as disputed while I address these concerns with the creditor. The Past Due amount for a closed account is inaccurate, and I intend to resolve this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

Zelle did not disclose 2021-2023 transactions to confirm I was receiving or sending money to the correct person through my XXXX XXXX XXXX transactions XXXX I didn't receive XXXX transactions and had to have it sent again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amex /dsnb was charged off on XX/XX/XXXX but still reports monthly late payments XXXX was charged off XX/XX/XXXX but still reports monthly late payments According to section 166 of the Internal Revenue Code, federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute medical debt 's listed on my credit report, which should be removed immediately based on the new rules finalized by the Consumer Financial Protection Bureau ( CFPB Regulation V ). This rule, which took effect on XX/XX/year>, states that MEDICAL DEBT must be excluded and blocked from consumer credit reports.

Per Docket Number XXXX, The Consumer Financial Protection Bureau ( CFPB ) has issued a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681-1681x, concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.

After reviewing my credit report, I noticed that it includes medical debt that meets the criteria for removal under the law. You are in direct VIOLATION
of this law per the CFPB and FCRA.I am requesting that these items be promptly REMOVED and BLOCKED from my credit report.

Details of Medical Debt : XXXX. Medical Collection XXXX XXXX XXXX XXXX Account Number : XXXX The FCRA prohibits creditors and/or Collection agency 's from using and/or reporting ANY Medical Accounts, Information, on consumer reports. PLEASE REMOVE AND BLOCK THIS INFORMATION WITHIN 4 DAYS. 

XXXX. Medical Collection XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX The FCRA prohibits creditors and/or Collection agency 's from using and/or reporting ANY Medical Accounts, Information, on consumer reports. PLEASE REMOVE AND BLOCK THIS INFORMATION WITHIN 4 DAYS.

This debt is a medical collection, and based on the new CFPB rule, I respectfully request that the entry be removed and clocked from my credit report. I have enclosed any relevant documentation and CFPB Complaint.

Please investigate this matter and provide me with a written confirmation once the debt has been REMOVED and BLOCKED. If further documentation or clarification is required, please let me know.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

In XX/XX/XXXX i received a debt collection notice. I contacted of company to inform them the account was not mine. I contacted XXXX in inquire about account open in my name and submitted a fraud report and filed a police report to the local sheriff 's office. I received another notice from a different company of collections. i contacted that office to inform them the debt is not mine. again i contacted XXXX fraud department. This week i noticed the collection on my XXXX credit report. I again contacted XXXX with a ticket number of XXXX. I also contacted XXXX to report the fraud under ticket number XXXX. I have attempted to clear my credit XXXX times in XXXX months. every time i call the whole process seems to start over and the only one affected is me. I have never had a XXXX account, i have had XXXX XXXX XXXX  since XXXX. The debt collector that reported to the credit bureau is Source Receivables Management.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I opened a checking and savings account on XX/XX/24 along with a credit card at Chase bank.I paid my credit card bill before even receiving a statement. When I visited the bank for the first time to withdraw funds, I was treated poorly by the teller and denied access to my money. After requesting to speak with a manager, the person I spoke towho I later discovered was actually the managerclaimed the manager wasnt available. Neither the teller nor the manager provided any explanation for why my transaction was denied, even after asking me a series of questions. I went to another branch immediately & successfully withdraw funds from my account without any issues. I also filed a report against that teller that day. 

About 2 weeks later, I found out that my credit card, checking, and savings accounts, including a custodial account for my dependent, had all been closed. When I asked for more information, I was not told the reason for the closure, except for a note from the teller saying I had been rude to her. I asked them to review the camera footage to prove the teller was being dishonest, but I was informed they would not investigate further or reopen my account. I received no assistance, and I still dont know why my account was closed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

The XXXX manager of XXXX maine by the name of XXXX has flagged me for money laundering, I was completely honest about my intentions regarding the XXXX to XXXX money transaction. My vehicle has broken down & it is winter. I need to have transportation to get to work & was borrowing money from my brother in Indiana to fix my vehicle & was denied service. I believe the employee 's & manager were hungry as everyone I talked with complained openly about going to lunch & seemed to judging me based on my appearance. The date of the incident XXXX 2022 & the time of the incident was between XXXX & XXXX. Thank you sincerely.
Product: Debt collection

I received alert about a debt being placed on my credit bureaus. I called the company to set up payment arrangement. They told me 3 letters went out since XX/XX/2019. I never receive no letters from this company sbout this debt. I asked to remove this debt from the credit files they refused. I told them i can pay the balance XX/XX/2019. I gave them my credit card #. After our conversation i called back XX/XX/2019 to get the account # the clerk gave me the account # and told me that XX/XX/2019 is when the funds to be draw out of my account. After they got my debit card # they changed the date to draw the funds. But thats not the arrangement they made with me.
Product: Debt collection

I was never informed how credit really work so at the time that I received these two credit cards, I thought that I could handle the credit cards responsibly. I did well for a few months and then I had a change in employment which resulted in less money to pay credit card payments. When I got to a place that I could start paying on these two cards, I started sending monthly payments directly to Capital One for the two different credit cards that I had. I did not call and ask for a settlement. I just wanted to be responsible and pay the debt and so I did. Because I didn't know much about credit and credit reports, I didn't know that even once the debt was paid in full, it would appear on my credit report as Charged Off /Paid in full and closed by Consumer. I've become much more educated on credit and have been able to use my credit in a responsible way now. I just ask that the negative remarks be forgiven. Please consider my request as I have been working hard to build my credit profile and use it the way it was intended to be used. Thank You in Advance.