23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX, my husband filed for bankruptcy on some unsecured debt that was in his name only. We did not include our mortgage, and I was not a party to this bankruptcy filing. However, for the last 6 years, our mortgage company has flagged our account as " potential bankruptcy '', and refuses to report the status of our GOOD credit to the major credit bureaus. I have made repeated requests by both telephone and email, and have either received no response at all or been told that I have to a ) send a letter ( which I did via their online email portal - received no response twice ) and now b ) submit a copy of bankruptcy discharge via online portal which does not allow me to include any attachments to an email/online request. 
Previously, I had also contacted them to see if they would lower our interest rate - again using their online customer service portal. I had to send three separate messages over a period of 4 months. Each time I received a response saying they were reviewing my request by email, and even received a response by postal mail, but never got anything concrete until I finally indicated I was going to complain to state and federal authorities about their lack of responsiveness. Then I was told that I needed to contact a loan agent about refinancing. I do not wish to refinance my mortgage, I want to reduce my interest rate under HARP/HAMP. However, they will not even discuss this with me. 
At this point, all I want to do is get them reporting on my GOOD credit with them so that I can switch to another mortgage company. When I 've called on the phone I get no where with them, and have been denied the opportunity to speak with a supervisor or manager to voice my complaints. I think that they are deliberately trying to keep us at a higher interest rate ( 5.875 % ) than the current market, and by not reporting our GOOD credit making it impossible for us to go elsewhere.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I am a Louisiana resident with a Louisiana commercial drivers license # XXXX. In the month of XX/XX/year> I received a notice from the Louisiana Department of Revenue that I had unfiled state taxes that required immediate completion and if not filed within 60 days of the notice my drivers license would be classified as pending suspension. Having already began the process of working with the revenue department months earlier and disputing their claim I hired a professional tax service and resolved this matter successfully within the time period required. However due to the pending threat of a possible pending license suspension First Advantage the Background and Screening ServiceXXXX XXXXXXXX Georgia which updates and monitors employment records for my employer incorrectly flagged my drivers license as having been suspended. This was and is an incorrect disposition regarding my drivers license as the tax requirement clearly stated pending suspension if I did not comply with the tax filing, which I immediately corrected. 

When I receive notice by First Advantage Background Screening Service that they were reporting a suspended license regarding my license in their records I called them and filed two complaints regarding their error, including submission of my drivers license which has never been suspended and remains active to this date. 

However, due to a poor customer service operation and operating phone system I have not received a reply from First Advantage Background Screening Service by phone call or correspondence if they have corrected their records. 

Therefore, I am respectfully requesting your assistance with this matter as First Advantage Background Screening Service error negatively and incorrectly effects my employment and consumer records and consumer rights. 

Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I wanted to purchase a puppy online via XXXX XXXX XXXX XXXX XXXX XXXX. After I inquired, I received a text message saying that the puppy was ready to get shipped that day and all I needed to do was to send payment to this Zelle account, which included the price of the puppy and the shipping cost. I then received through email a contract to sign. It looked suspicious since the breed of the dog on the contract was misspelled. 

Afterwards, I got an email saying that I needed to pay the shipping company and extra charge. Two options were available but the first one was cheaper ( {$1600.00} and 98 % return when the puppy arrives ). I didn't understand why I needed to pay extra so I ignored it. After a few hours, I received a call from the " agent '' that was with that shipping company. I asked him why I needed to do that since I already payed for shipping. He kept on insisting ( with a distorted voice over the phone ) that I need to pay asap through Zelle so he could ship it asap. I kept on arguing with him and I asked what will happen if I do not pay today since it was a lot of money all of a sudden. He said that it will go to a shelter and that I will be charged with abandonment. At this point I tried to get a hold of the person who owned the puppy but he kept on refusing to pick up but wanted to only text since he was at a " doctor 's appointment ''. Finally after trying a few times, he called back and I immediately knew this person was a scam because his voice was distorted. After that call, I called my bank to try to put in a fraud claim to retrieve back the money I initially paid. After some time, the claim went through and said that I would receive a call during the afternoon in the next few business days. 

It is now XX/XX/XXXX. I called back my bank to check on the status of my claim and they said that my claim was cleared and that they could do nothing about it. Their reasoning is because I willingly authorized my first Zelle payment and there's nothing they could do. I even asked for the name of the bank that the person was using and they couldn't even tell me that because they are not authorized to. Basically, they said I was at a loss and there's no solution that could be reached. Please help.
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, 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: Credit card or prepaid card

On XX/XX/XXXX I received a push notification on my phone of a charge for {$140.00} being approved on my card. The next day I saw the charge on my card from XXXX XXXX along with a foreign transaction fee of {$4.00}. That day, XX/XX/XXXX, I called to dispute the charge with BBVA USA ( Formerly BBVA Compass Bank ) which they responded quickly to close the account and issue a new card. Upon receiving the new card BBVA had transferred both charges to the new card. I called on XX/XX/XXXX to dispute those charges being transferred which caused them to let me know it could take 30-90 days for the charges to be removed from the account, pending the dispute being resolved in my favor. 

XX/XX/XXXX I called again and spoke to someone in the States and they understood my plight. On ( approximately ) XX/XX/XXXX I received a letter that the dispute was resolved in my favor and on XX/XX/XXXX I received a credit followed by a debit for both amounts. This caused me to call the bank again on XX/XX/XXXX to get in touch with someone who understood my plight. 

XX/XX/XXXX a charge is sent to the prior card number. I call the bank again and they inform me that I don't owe the money but it will sit on that " closed '' account. This still shows as me owing the money for a disputed charge resolved in my favor. 

I can't help but wonder if I am just dealing with inept call center agents that don't understand basic accounting or if the BBVA USA bank is " padding '' their liabilities for the purchase of their institution by XXXX XXXX  out of XXXX. Either way I am unable to resolve this situation with them and need assistance.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my repeated efforts to address the inaccuracies in these accounts, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS TRYING TO GET MY SON A NEW VEHICLE BECAUSE IT BROKE DOWN. MY SALESMAN TOLD ME THAT I WOULD BE ELIGIBLE, BUT WITH A VERY HIGH INTEREST RATE DUE TO CREDIT. I THEN ASKED TO SEE MY REPORT AND REALIZED THERE WERE THINGS ON MY CREDIT I HAVE NEVER SEEN. THESE ITEMS NEED TO BE REMOVED AS SOON AS POSSIBLE.
Product: Money transfer, virtual currency, or money service

Commencing between XXXX and XX/XX/2020, Ive been a victim of a multilayered scam operation orchestrated by a person going by the name XXXX ( the Scammer ), all of which aim at contributing to the goal of robbing and defrauding innocent people. 
Money was transferred from my US Bank account via bank wire and cashiers checks, to accounts in XXXX XXXX and XXXX  XXXX XXXX, in the total amount of XXXX USD.
Product: Mortgage

My wife and I were trying to get a home equity loan. I asked for your help earlier this year, case XXXX, and I have learned more about the problem. Earlier in our loan, XXXX went out of business and Chase took over our mortgage. The loan was never transferred. This info was taken from your investigation earlier : On XX/XX/XXXX, in order to allow a new lien release to be processed, our Legal Department asked to have an Assignment prepared to show the transfer from XXXX XXXX XXXX to JPMorgan Chase Bank , N.A . However, on XX/XX/XXXX, we received confirmation from the Lien Release Department that XXXX XXXX XXXX had closed in XX/XX/XXXX. Therefore, the Assignment can not be obtained. 
We need to get this fixed ASAP as we desperately need the loan. Could you help or give me some information? Thanks
Product: Money transfer, virtual currency, or money service

Im raising concerns regarding Zelles handling of disputes, especially in the light of recent CFPB lawsuit highlighting significant issues with the app. I would like for Zelle to take ownership of their mistakes and neglect by allowing scammers to continue their exploit of the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$870.00} Medical bill was paid off by me to original creditor, XXXX, invoice # XXXX. Then a credit collection agency, Credit Collection Services ( CCS ), put the same unpaid bill on my credit report as a collections account in XX/XX/2022 ( reference CCS file # XXXX XXXX XXXX ). I called CCS phone XXXX to talk to CCS on Tuesday XX/XX/2022 and spoke to representative named XXXX XXXX and then spoke to CCS XXXX XXXX XXXX XXXX. They both stated that they will update my credit report to show the CCS account as paid in full. Their CCS records show the account has a XXXX balance already. I told them the CCS account should be deleted because CCS can not collect on a debt I paid off with the original creditor. CCS staff refused to listen to me and said my account will not be deleted on my credit report. I kept telling me to delete that collection account off my credit report because they have nothing to collect from me and the original creditor already has the money from me.
Product: Credit reporting or other personal consumer reports

Im shocked and frustrated to find erroneous accounts on my credit report this morning. This discrepancy came out of nowhere, and despite refreshing my browser, the inaccuracies are still there. I need the documents I submitted to be thoroughly checked so that I can finally feel secure and stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The XXXX and Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX Account Balance : {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

The originial creditor was XX/XX/XXXX grom 2012 that was acurred in virgina. I filed bankruptcy im virginia in 2012. Also i wrote a letter asking for this debt to be removed because of the bankruptcy, and because of the statute of limitations. The only thing that has happened was this to be bounced around to new creditors that they have paid to take it over to, which I thought was illegal? The amount is {$140.00} with a new creditor bt the name of XXXX XXXX that have newly reopened in XXXX.
Product: Debt collection

I received a collection notice from Riverview Law Office stating that I was overpaid by my former employer ( XXXX XXXX XXXX ) by {$13000.00}. I am unsure if this is a lawyer representing XXXX or if they are a collection agency that XXXX sold this misinformation to. 

Reading their letters, it seems they are being intentional about trying to blur if they are a lawyer representing XXXX or a collection agency. 

To gain clarity on who and what I was dealing with, I sent them a certified letter disputing the alleged debt, asking for proof of this alleged debt, and verify that they were licensed to collect debt since I could n't find them online. 

I attached the letter but here is what I asked for- -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a copy of judgment stating I am responsible for this amount ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

Riverview Law Office sent a letter the next day with an Excel spreadsheet I could barly read that only listed XXXX claiming overpayment of {$13000.00} and no actual information on how the amount was calculated or what pay periods were that I was overpaid. Riverview Law Office, PLLC did not include any information on them being licensed to collect in MN and no license number. 

Both letters they have sent warn me to get an attorney. 

There is no documentation or order stating I do owe XXXX {$13000.00}. 

They also did not provide the requested license information so for all I know, they are not collecting for fairview and this is all a sham.
Product: Mortgage

Hello, I proactively inquired about a Home Mortgage Loan Modification with Wells Fargo when I was laid off from my job. The company used deceptive predatory practices, preying on my situation likely the result of a proven greed driven culture I was unaware of at the time. 

I had not been late on my payments prior to calling the company. I worked closely with home preservation specialists through a long, arduous process and they guided me to be late a number of months in order to qualify for the program. They also enticed me on numerous recorded phone conversations that I would be eligible for a payment program with an interest rate about 2-3 % less than my XXXX  % interest rate. 

Unfortunately, when it came time to complete the loan modification process, I was told my interest rate would remain the same alluding that my credit was an issue for brokers to take the loan. This was disconcerting because nonpayment of the loan was supposed to be a given by the nature of the modification program. I found myself entrapped in situation where my credit was already ruined, and my loan then extended to a 40-year note. Instead of getting the interest rate reduction and the help I was led to believe would occur, I was bilked.
Product: Credit reporting or other personal consumer reports

The presence of incorrect information on my credit report is unacceptable and needs to be corrected immediately. These errors should have never been reported in the first place, and the fact that they exist raises serious concerns about the reliability of this reporting system. This negligence has directly impacted my financial stability, and I refuse to allow it to continue. 

As a consumer, I am legally entitled to a credit report that is free of inaccurate or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be correct, and any errors must be rectified immediately. I expect a full investigation into these inaccuracies and immediate corrective action. Delays are not acceptable.
Product: Mortgage

On XXXX ( approx ) I received a modification approval from Ocwen for our mortgage. On XX/XX/XXXX ( see attached proof ) we sent this in to them via email as requested. Also that same day I spoke to them and made my XXXX payment so that it would not be late due to the bank holiday. On XX/XX/XXXX we made our second payment and I was lead to believe all was ok. We never received notice that they did not have the paperwork nor were we led to believe that there was any issue. On XX/XX/XXXX I received my scheduled call from our Relationship Manager and at this time he tells me that our mod was cancelled because they did not have the paperwork.I confirmed this with a email. I then informed him that we sent in in on XX/XX/XXXX and at that time he confirmed it and told me that he would have it all straightened out and we would receive the final docs to sign in XXXX days. I gave it till XX/XX/XXXX and still nothing from them, so I called again, and again told everything is ok, they are working to get it resolved give it XXXX more days. So again I wait for the paperwork and again nothing, call them again on XXXX. This time told its still in review and nothing has been done. I will get a call by the end of the day. No call but I get an email stating that the denial was reversed, but they are still reviewing to see if they can give me a mod. I dont understand, because the mod was done and approved, but they screwed it up.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  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 those account 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 XXXXNever 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 or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately