23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for Transunion to verify the accounts but I still found some inconsistencies with these accounts with XXXX XXXX # XXXX XXXX  Account # : XXXX JXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX There is still inconsistencies even after they verified the account. 
According to the Fair Credit Reporting Act 15 U.S. Code 1681 Section 604 A Section 2 It states that a consumer reporting agency can not furnish an account without my permission.
Product: Credit reporting or other personal consumer reports

Upon a recent examination of my credit report, I have identified multiple billing errors pursuant to 15 U.S. Code 1666 ( b ), specifically : 1. The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on the statement 2. A computational or similar accounting error on the creditor 's statement.

Moreover, the creditor did not provide the legally required 21-day notice prior to the statement, resulting in improper late payment recordings on this account. I hereby demand verifiable documentation from the creditor 's financial records substantiating that I failed to make these payments on time. It is evident that this constitutes a billing error. 
The following items must be amended to " Paid as Agreed '' on my consumer report : 1 ) Payment Status for Month of XXXX, 2019 2 ) Payment Status for Month of XXXX, 2019 3 ) Payment Status For Month of XXXX, 2019 Pursuant to my rights as a consumer, I demand that these remarks be updated or deleted immediately. Due to these incorrect payment reports, my ability to obtain new credit has been severely limited, hindering my efforts to improve both my life and my children 's lives. Non-compliance will compel me to seek monetary compensation for this violation under 15 U.S. Code 1681n ( Civil Liability ) in small claims court.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have a Care Credit account issued by Synchrony Bank. I just spoke with a manager named XXXX, who is located in Arizona, and who claims that the CFPB " makes '' Synchrony issue its confusing monthly billing statements. When I pressed him on this, he said because that the CFPB has approved Synchrony 's billing statement plan, it is tantamount to " making '' Synchrony use the plan. When I said that approving a plan is completely different from " making '' the bank use the plan, he stated it was a " matter of verbiage. '' He became more and more " snotty '' as the phone call went on. 
I have XXXX " promotions '' with Synchrony. XXXX have expired and XXXX are unexpired. Once a promotion expires, Synchrony stops listing it separately on the monthly bill and the customer begins paying interest on the expired promotion. The amount of money making up the expired promotions are lumped together into a " balance amount '' on the bill. Evidently, Synchrony applies the payment amount first to promotions that have not yet expired. If the promotion has not yet expired, that means the customer has not yet begun to pay interest on it. It saves the customer money to have the payment applied to an expired promotion, because that 's the one the customer is paying interest on. The customer has the right to designate which promotion the monthly payment will be applied to. In order to see whether the payment has been correctly applied to the promotion the customer chose, the customer has to work from XXXX separate billing statements and do math. 
I works like this : The month in which the promotion expires is the last time it 's listed separately on the bill. I have an expired promotion of {$320.00}. It was listed as expired on the XX/XX/2017 bill. I asked that my XXXX dollar payment be applied to that promotion, since I 'm now paying interest on it. On my XX/XX/2017 bill, the XXXX dollars was applied to an unexpired promotion of {$320.00} that wo n't expire until XX/XX/2017. Now, on the XX/XX/2017 bill, the {$320.00} amount has been reduced to {$250.00} ( because {$75.00} was deducted from {$320.00} ). 
In order for me to find out for sure if the {$75.00} will be applied to the expired amount, I have to wait for the XX/XX/2017 bill. If the promotion reduced to {$250.00} on the XX/XX/XXXX. bill goes back up to {$320.00} on the XX/XX/XXXX bill, that will mean the {$75.00} was applied, as requested, to the expired promotion of {$320.00}. 
Since the expired promotion will never again be listed separately on my bill, I will have to keep going back to the last bill on which it appeared ( XX/XX/2017 ), and doing addition and subtraction on the recent bills to see whether the expired promotions are being paid as per request. 
By the way, I have to cal Synchrony every month to have the payment applied to one of the interest bearing promotions. 
I suggest that the CFPB look at this system and suggest ways to make it less of a burden on the cosumer.
Product: Debt collection

I continue to receive calls at work and at home from a company asking me for my birthday and SS # prior to verifying who they are. When I refuse to provide this information to anyone over the phone, the caller will tell me that I owe a debt but they will not tell me to whom or how much. I will not provide any personal information or financial information to anyone over the phone and the person or person 's calling will not disclose this to me. The only information they will disclose is where they are calling from. With repeated calls to my place of business AND at home, I am now forced to report them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, received a notice that said the dispute was investigated and was found accurate. When I looked at the credit report the item was still inaccurate. The dispute resolution said that it was found accurate. However, this is not true. 

SUMMARY : I disputed the The XXXX XXXX XXXX account on XX/XX/XXXX because it was inaccurate. On my credit report it showed {$290.00} as a profit, loss, writeoff. But the balance should be XXXX and status should be included in bankruptcy that was filed XX/XX/XXXX. I was told that it would be investigated however, I received a quick response from credit bureau on XX/XX/XXXX, saying that they found it to be accurate. 

I contacted XXXX XXXX XXXX with the number listed, XXXX on credit report, and received the number has been disconnected. So I'm not sure how the credit bureaus validated or verified accuracy. 

I called XXXX XXXX on XX/XX/XXXX to ask for verification and documents of how it was verified they couldn't provide me with that. Instead they said they can redispute it. That option didn't satisfy me because I have to wait 30 days till inaccuracies are cleared up from my credit report. This is affecting my credit more so, because the account is not listed in a bankruptcy that already had dropped my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  to understand why my credit was again lowered, 2 years after what they thought was a missed lease closure payment ( it was settled 2 months later ). 
XXXX sent the correction at the time. But it was not recorded nor it brought to a raise back then. Now, 2 years later, it brought to one more hit on my credit score, which is costing me a higher mortgage refinancing rate proposed by my bank. 
My problem is even more general : the fact that I pay ( and paid for the last decades ) religiously, monthly bills for a total of more than {$5000.00} ( closer to XXXX these days ), does not map with the heavy score lowering for a few XXXX bucks ( from the high 700 to the high 600 at the time, low 700 these days ). 
The impression ( and complaint ) is that there is a credit bureau and banking system credit scoring cartel, to artificially lower the purchasing power of the middle class. 
There are thousands of credit score algorithms, whose formulas are well hidden, but every single one of them gives an exorbitant importance to late payment, independently of its size.

From a logical point of view, this would push the cost of ( fewer ) large sums unpaid, on the ( larger number of ) small sums unpaid. 
Nobody in the Credit Bureaus hierarchies ( I talked all the way up to a VP ) could explain any detail of the algorithm principles, as it's considered " automatic ''. 
But it's easy to reverse engineer the principles I delineated above. 
I have ( or can procure ) supporting documentation to prove payments and credit reports to show the impact, but I will provide it only upon request. 
Thank you and have a great day
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is the 3rd or 4th time this debt has shown up on my XXXX report since XX/XX/2019. I've fought it, disputed it, tried police reports and it continues to get purchased by new debt collectors and resubmitted. Why am I paying for a monthly service to protect and monitor my credit if XX/XX/XXXX continues to " deem the information as accurate '' when I have never lived in Louisiana? I have shown that I have lived here in Ohio my entire adult life yet somehow someone gets a hold of my information in Louisiana at XXXX XXXX somewhere in XXXX XXXX and they decide that it's " accurate ''???? Then when I speak with XX/XX/XXXX they leave notes about my previous complaint like they didn't do anything wrong? Its ridiculous and unacceptable that I continue to pay for a service yet I have to spend my time researching and fighting to clear my name when all they have to do is look at my billing addresses for the past 10 years and know it's not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/XXXX 2020 XXXX XXXXXXXX  Inquiry from XX/XX/XXXX, 2020 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2020 XXXX XXXX XXXX Inquiry from XXXX XXXX 2020 XXXX Inquiry from XX/XX/2020 2020
Product: Mortgage

I have recently received a response letter from Ocwen Loan servicing in regards to a CFPB report that was filed 60 days ago. I was very much to the point in the CFPB report that I wanted a response back through the CFPB as to my claims. This is not has conspired the company has permission to correspond back and forth with me and does so but when asked to place the facts in writing and with a agency that knows what the rules are and can see what the company has done its much easier to just mail it to your law firm where it might not get notice and just filed away not this time. Please reply to my redline statements of included in the letter sent to my law firmed. Please reply back through the CFPB with in the allotted time frame.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately.

Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. 
This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. If you do not take action and comply with my request, I will have no choice but take legal action against you!
Product: Mortgage

I live off my XXXX  since my spouse who is a XXXX  passed away on XX/XX/XXXX since then I have been trying to maintain paying the mortgage with the help of my children since I live in a different state. During the Pandemic we did a forbearance and at the end of it in XXXX of XXXX, we struggled to pay a whole year of mortgage and had to pay over XXXX to the bank at the end of the forbearance. We fell behind again in XXXX when I had to sign a modification document that Midland Mortgage sent me to get back on track and told me that to get the modification the modification had to be done for 30 years when I only had about less than 10 years left on my mortgage. took the years of my mortgage back 30 years. I am not a real estate attorney and with my financial hardship, and worried stress about losing my home I believed what they told me. Midland stated that the arrears would be put in the backend of the mortgage. I wasn't aware that it didn't have to go back to 30 years. I just learned that speaking to a friend. In addition, after the modification and taking the mortgage back 30 years the monthly payment remains about the same when it was just about 5 years left to pay off the mortgage the principal balance of {$190000.00}. 

On XX/XX/XXXX, I received a call from Midland Bank to further discuss the option of another modification because, at that time their portal, was showing that the mortgage had been behind for one month. I explained to the representative that I was not ready to do that. Therefore, when I went to pay the mortgage for XXXX in XXXX the portal was changed showing that it was 3 months behind. This made me so baffled after it was almost a year showing that. The bank made a new change in my mortgage account showing 3 payments late when that wasn't the case after all this month. It put me at a disadvantage in making payments in their portal system. So I had to call them to make the payment for XXXX. 

On Monday, XX/XX/XXXX I received a letter from Midland Mortgage indicating that the mortgage monthly payment had increased from {$2100.00} to {$2400.00}. I understand that taxes do increase and decrease however I don't understand why my mortgage needed to go back to 30 years for modification paying practically the same amount that I was paying before the modification. That's just unfair business practice. 

I strongly believe the Midland Bank is practicing predatory lending. Midland Bank is aggressive and using tactics and deception to get me to take out another modification loan, which I can't afford to do right now not to mention that they took my mortgage back 30 more years when that wasn't necessary. I was told that was the only way to get the modification in XXXX or my home would have been in foreclosure. They pretend to try to help but they are not in the business of helping.
Product: Mortgage

My loan was sold from Indymac to Ocwen in XX/XX/XXXX. My monthly payment went from {$4100.00} to {$4100.00}. I understand impounds, and realize they adjust with insurance and prop.taxes. This year I received and increase of {$230.00} a month. That is {$2800.00} a year! When I requested an analysis of my escrow acct. I see a double charge for Home Owner insurance, XXXX in XXXX and XXXX in XXXX. I changed H.O. Ins.a as of XX/XX/XXXX from XXXX to XXXX. On XX/XX/XXXX I spoke to XXXX ( Ocwen ID XXXX ). She agreed there was a need to go to loan serving to address the issue. I requested a breakdown of the account and to correct the issue. I called again XX/XX/XXXX and spoke to XXXX ( ID XXXX ) He said they did there checking and the increase stands. I have not received an satisfactory explanation or someone who can explain to me how this can be the case when my policy only went up {$620.00} for the year I called XXXX to verify, that the annual policy was {$2300.00}, from XXXX XX/XX/XXXX. I canceled the policy on XX/XX/XXXX, and received a refund of {$450.00} from XXXX. This is because Ocwen was only sending monthly payments of {$140.00} per month. Did Ocwen not credit me for the policy I paid them for? Can you help me??
Product: Mortgage

On XX/XX/2022, I was approved for 6 months of payment for my mortgage by the Federal Funded program called XXXX XXXX XXXX XXXX XXXX XXXX by the Florida XXXX XXXX XXXX. My payment were issued to the mortgage company beginning XX/XX/2022. I was informed by a XXXX employee that the payment was indeed mailed out on the XXXX of XXXX. I waited until the XXXX of XXXX to see if payment was going to be posted to account but it wasn't. I placed a call to United Wholesale Mortgage on the XXXX and was informed they have not received a payment. I then called back to XXXX and was reassure that payment was sent. I have placed called several times a week with United Wholesale Mortgage regarding my XXXX payment was told, they have no payment for XXXX. I went back and forth with reps from UWM as to verifying wirh XXXX where they sent the payment and it was indeed sent to the righr address. I was then told they have no knowledge of me even having applied for any type of assistance from the program. I then forwarded my award letter from XXXX to XXXX as documentation that I applied and was approved by the program for 6 months of forward payment. My mortgage is now 1 month behind and has now accumulated a late fee. I'm asking for help in getting these payment applied to my account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs indicate that Zelle has not neglected to protect consumers, but has also allowed repeated offenders to exploit the system, leaving users vulnerable scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I am so tired of dealing with this mortgage company. They are corrupt and this is my second consumer complaint I have filed on them. The only movement that happens on this partial release is when a complaint is filed on them. I will be filing with the state representative as well at this point. I have been trying to get the partial release department to release part of my property to be sold since last XXXX. They refuse to do their job and drag things out so long that they close the case or just don't respond. The last time they refused to cooperate or give me the packet to even start the process until the CFPB became involved. Once the case was closed they again refuse to respond to emails sent requesting information or to take the next steps. AFter they closed the initial complaint, it was reopened on XX/XX/XXXX. We have been going back and forth ever since. They claim they don't have the right email, have sent stuff that they haven't, or just ignore. I have email proof of everything. The latest batch of emails were from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These are emails of me trying to be in contact again. In the meantime, the county has received an appraisal which has caused the taxes to go up and I still don't have a copy of an appraisal that I paid for.

I don't want to hear any of their lies at this point as to why they are so corrupt and unable to do their job. In no circumstance should it take a mortgage company almost a year to get this done. If this complaint is closed again once they have sent the appraisal and then don't complete the task, I will be filing again. The state representative for me will get involved as well. I am done.
Product: Vehicle loan or lease

Im a victim of identity theft. I became aware of this after receiving various notifications from the social security office informing me that I owe money. I decided to let my daughter know about the issue and request her assistance to help me find out what's going on. She recommended me to pull my credit report so I can review it for any fraudulent activity. Unfortunately, I did find fraudulent activity. Among the activity there is an auto loan with Westlake Service Inc. I reached out to them and provided the required documentation to them in two occasions. The first letter with enclosures was dated XX/XX/ ( see attachments ; Westlake_Letter1 and USPS_receipt_Westlake_letter1 ) and the second letter was dated XX/XX/XXXX XXXX XXXX  ( see attachments ; Westlake_Letter2_Frontpage, Westlake_Letter2_signedpage, and USPS_receipt_Westlake_letter2 ). I did not receive any response from Westlake that meet the timeline outline in FCRA 609 ( e ). Just last week I received a letter from them ( attachment ; Westlake_Letter_DatedXXXX  ) requesting the same and/or similar documents that I previously provided to them in the other two occasion. I am confused on why they are asking me for information that I already provided and paid priory mail to ensure that they received it. The Westlake letter was post marked on XXXX XXXX XXXX attachment ; Westlake_Envelope ) but I didnt receive it until last week. Additionally, they want a response with supporting documentation within 30 days from the date of the letter XXXX XXXX XXXX XXXX I am beyond words on why they are playing circles with me. I have exhausted multiple hours and money to resolve this issue with them. Furthermore, the letter they send me has contradicting information. The last paragraph of the letter states, contact me directly XXXX XXXX XXXX XXXX XXXX XXXX XXXX But the closing of the letter end with a XXXX XXXX. Two different individuals and not a single one outlines their position with Westlake. I believe this company is in violation of FCRA 609 ( e ) and possibly more. They are the ones that owe me and the current investigating officer the requested documentation that was stated in the second letter. This is why I am submitting a complaint with Consumer Financial Protection Bureau.
Product: Debt collection

ERC has violated my rights as a federally protected consumer under 15 USC 1692. Please review attached documentation.