23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to ongoing violations by Chase of CFPB bulletin XX/XX/XXXX with regard to our inheritance of my deceased father 's house and our rights as verified successors in interest, my wife and I filed a revised RMA application with Chase via fax/letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Included with that RMA application was a letter from Chase dated XX/XX/XXXX in which our Chase " dedicated relationship manager '' stated that we needed to submit certain documents to Chase offices by XX/XX/XXXX, which we did. 

Among the documents we submitted to Chase offices by the XX/XX/XXXX deadline were revised RMA application, current pay stubs, employment and income verification letters, and proof of homeowners insurance. We are still waiting for the RMA application process to be reviewed and are working with XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ) to resolve this matter. We have worked with all parties in good faith to provide the documentation requested at the earliest possible times. 

On XX/XX/XXXX, we received from our " dedicated relationship manager '' a letter indicating that Chase has " rescheduled '' a foreclosure sale of our property for XX/XX/XXXX. This notice was received without explanation from Chase and without clarification of the status of our submitted RMA application submitted in XX/XX/XXXX. We are stunned that Chase would be so cruel as to treat the victims of Chase 's own failures to abide by CFPB Bulletin XX/XX/XXXX from XX/XX/XXXX with regard to successors in interests in this manner.
Product: Credit card or prepaid card

I am writing today in regards to my account with Wells Fargo Account # XXXX, the reason for my request today is to ask for assistance with the late reported in XX/XX/2020. In XX/XX/2020 I had two unfortunate things happen 1. I had XXXX 2. My bank account had fraud and therefore was compromised and shut. The reason I am telling you this is because my account is on autopay so I no concerns while I was unwell that my accounts were being paid. I also was unaware that my bank account which the payments were coming from was shut down due to the fraud which occurred. Once I was well enough and made aware I quickly got the account paid up.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : 1. Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} million in damages.

2. Johnson v. Wells Fargo Bank, N.A., 2020 U.S. Dist. LEXIS 12345 ( D. Md. 2020 ) Wells Fargo was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages.

3. Soutter v. Equifax Info. Servs., LLC , 498 Fed . Appx. 260 ( 4th Cir. 2012 ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages.

4. Dixon-Rollins v. Experian Info. Sols., Inc. , 753 F. Supp. 2d 452 ( E.D. Pa. 2010 ) Experian was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm.

5. CFPB Enforcement Action against TransUnion ( 2022 ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} million for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights.

These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences.

Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of this account ( s ) : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between XXXXASPIRE and XXXX XXXX XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business 3 to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting or other personal consumer reports

This marks my initial attempt to inform you that I've fallen prey to identity theft. I'm raising concerns regarding certain entries in my records that stem from this crime. These entries are devoid of any transactions reflecting my legitimate purchases or authorizations for goods, services, or financial transactions. If my plight doesn't elicit any sympathy, I request the removal of any significant information in my credit history associated with the suspected fraud or deceit. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX .... Balance : {$50000.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX  XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have incorrectly labeled me or my credit disputes as fraudulent. It has been almost 3 months with no communication from the credit bureaus on the disputes that were submitted 3 months ago. 

Additionally, I have an excellent credit history which is not being reflecting in my credit score. I have been making timely payments to XXXX XXXX  for several months now, with no updates to my credit score in the last 3 months.
Product: Mortgage

XXXX XXXX, 2015 Re transfer of my home mortgage loan from XXXX to Seterus Incorp. 

I want to advise the Consumer Financial Protection Bureau of a problem with transfers of mortgages from one service provider to another. 

I am suffering huge economic harm because XXXX transferred my home mortgage to Seterus effective XXXX XXXX, 2015, but Seterus has no record of my loan number or of my SSN. My property is for sale and I have a buyer for my property, but I can not sell my property b/c Seterus who is now services my loan according to XXXX has no record of my loan. I am afraid that I will lose the sale of my property b/c XXXX has transferred my loan effective XXXX, 2015 to Seterus, but Seterus does not have my loan number or my SSN in their system. 

I think the CFPB should require that the consumer always has a contact for their loan and that the transfer of a loan can not be completed until the new servicer has all of the information in their system and the consumer 's account is completely set up and tested. This happened to me the last time my loan transferred from XXXX XXXX to XXXX. My loan payments to XXXX were not deposited. Then I received notice from XXXX that I was 60 days late on my mortgage. Eventually XXXX credited my late fees, but I believe they never removed these late payments from my credit score. I expect this is about to happen again. 

XXXX 

On or about XXXX XXXX, I received a letter from XXXX stating that my mortgage was being transferred to Seterus effective XXXX XXXX, 2015. 

On XXXX XXXX, 2015 I phone XXXXXXXXXXXX confirm. An XXXX rep advised me that my mortgage was in fact transferred effective XXXX XXXX, 2015 to Seterus and provided me with the XXXX number to contact Seterus about my loan. Call this number and listen to the script. They admit to having no record of the loan. 

I called Seterus, but could not speak to a person about my mortgage which is current b/c Seterus has no record of my mortgage either by my XXXX loan number or by my SSN. 


The recording that played when I first called Seterus is as follows : If you have recently received a welcome package from Seterus and are a recently transferred loan .... To cont press XXXX to enter your loan # press XXXX to enter your SSN. I entered my SSN. I could n't find that ssn ; please enter your ssn I 'm sorry I could n't find that ssn, once again please enter your ssn. 

If you recently received a welcome package notice that Seterus will be the new servicer of your mortgage loan please press XXXX otherwise please press XXXX. 

To allow us to better serve you we encourage you to visit our web site At this time we are still receiving information from your prior service provider and are unable to speak to you about any loan details. 
As soon as we set up your account we will send you a welcome package. We will also try to contact you by phone. 
We expect this to happen by the XXXX of the month. If you do n't hear from us by then, call back and we should be able to help you then. 

Once we have received all of the information from your prior servicer we will set up your account. 

Thanks Then the phone disconnects.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 At the time these inquiries were filed a report, a XXXX card report was filled with my bank. I am requesting that this information is removed because this was an unauthorized transaction and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy that is being reported in my name. I am well aware that they did not receive any information from the court as the court states it does not release information but instead they get their report from XXXX. the information that XXXX in reporting and the information that LCI is reporting is not the same. I have provided information to show the court name and the case number does not match. 
I have tried many time to have Transunion remove this incorrect information but every time it comes back verified by LCI. 
I have also included there response and their refusal to remove it
Product: Debt collection

I have had accounts hit my credit for hospital bills for my son which I provided his insurance to the hospital the bill is for XXXX I have requested a copy of the bill have not received a copy of any thing also have a few other medical bills in collections that I have also requested copy of bills again not received anything have tried to dispute have also told the on one of the account s the address does not match the address I have lived at for 8 years now also just got hit with another medical bill XXXX dollars I believe not sure for wat have not received any bill for it can't file identity theft cause I don't know the information to do so I was informed some one went into the hospital using my info but when I requested info on it the stated due to XXXX laws they can't provide me the details of the account
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX XXXX, I received an email notification from PayPal XXXX that my account password had been changed. At XXXX XXXX, I received another email stating that my account sold XXXX XXXX  for {$600.00} USD and was charged a {$10.00} USD fee, totaling {$590.00} sent to my PayPal XXXX. Then, I received another email subsequently at XXXX XXXX  XXXX, stating that my account bought {$590.00} in PYUSD with the {$590.00} in my PayPal balance from the ethereum sale. 

I caught this unauthorized action quickly and called PayPal 's customer service at XXXX XXXX, explaining to them that my account had been hacked. I did not change my password, and thus I did not sell my ethereum and convert it into XXXX, nor did I send this XXXX  to an email address of " XXXX ''. The customer service rep reassured me that PayPal had protection for buying and selling cryptocurrency. They also mentioned that my account was logged in from an unknown IP address. I was hopeful that PayPal would reverse this fraudulent activity swiftly, as it was clear that my account had been hacked. On XX/XX/XXXX, XXXX XXXX, I received an email from PayPal XXXX updating me on my dispute case for fraudulent/unauthorized activity on my account. They determined there was NO unauthorized use of my account, and did not reverse the transactions. I called their customer service again on XX/XX/XXXX, XXXX XXXX to complain about the decision to not reverse the transactions. This customer service representative took another look at the activity and reassured me they would get to the bottom of this, and opened an appeal to my dispute case. On XX/XX/XXXX, XXXX XXXX, I received an email stating that my appeal had been denied, as these transactions were consistent with my PayPal XXXX history. On XX/XX/XXXX, XXXX XXXX, I called their customer service for the third time to voice my frustrations at their incompetence and useless help. This customer service rep took another look at my account and noticed there were several logins with unknown IP addresses the past month- with IP addresses ranging from domestic states to XXXX within minutes. This rep told me that the other reps must have missed this, so he was going to provide this context and info for another appeal. He reassured me that with this information, my appeal would be looked over and reviewed properly within XXXX hours. It's XX/XX/XXXX, and I've never received an appeal email or really, any follow up email. 

PayPal is a load of garbage, and they do not protect their consumers whatsoever. This is negligence. This is incompetence to the highest level I've ever seen in my life. I made the mistake of holding cryptocurrency in such an unreliable and pathetic platform and won't be making that mistake again.
Product: Credit reporting

XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax 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 {$1000.00} 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 I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Student loan

I contacted Sallee Mae regarding option for lowering payments, lowering interest, deferring, in school deferment, XXXX deferment. They informed I was ineligible for any option other than paying my full payment which is over XXXX $ or I would be reported to credit bureau. They also said I wasnt permitted to get a new private loan with lower interest to pay off my existing loan. I did inform them I was XXXX XXXX XXXX XXXX XXXX XXXX and have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and am still XXXX XXXX XXXX XXXX XXXX XXXX They informed me they still couldnt help me with any option.
Product: Mortgage

This complaint is against Ocwen Loan Servicing. 

I have been overcharging by escrow, my annual XXXX City tax assessment {$3400.00}, and Ocwen was charging {$400.00} together with my Mortgage, it totals {$4800.00}, there were {$1300.00} overpaid every year. 

I made a complaint with Connecticut Attorney General already and they advised me report to your agency also. 

On XXXX XXXX Ocwen was already ready to increase my escrow charging {$450.00} every month, that makes {$5400.00}, so I cancelled, my escrow and decided to pay my taxes myself starting XXXX XXXX. 

But on XXXX I received a letter from City of XXXX, stating on an unpaid tax assessment date XXXX/XXXX/XXXX and the due date XXXX/XXXX/XXXX. 

When I reported to the CT General Attorney, they replied that, I had to pay, since I had no escrow anymore, but this letter is from XXXX and not XXXX, the due date is XXXX, but was from XXXX. 

What did they do wit the money they collected from me? 

This is an unfair practice, and Ocwen is raising every excused to cover their mistake, and XXXX Home Owners in the United States, are about to lose their homes because of these scams.
Product: Debt collection

There is a bankruptcy showing up on my credit that needs to be removed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : Militar Star
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX, Collections Account, Account name : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

This debt for XXXX XXXX was removed from my credit report in on or about XX/XX/XXXX when it was originally disputed with all 3 credit bureaus. 

This account was Closed per Florida XXXX and XXXX in XX/XX/XXXX. 
XXXX from XXXX Hospital confirmed this on XX/XX/XXXX. 
XXXX from XXXX, phone number XXXX confirmed the account was closed and No further attempts to collect on this debt would occur. 

As of XX/XX/XXXX, I received an alert per my credit monitoring indicating that XXXX XXXX XXXX XXXX has reinserted this account on my credit report as of XX/XX/XXXX, and is in violation of FRCA as this account is closed. 

No further efforts to pursue this account are legal.