23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was with Fay Servicing, I was in an XXXX & when I recovered I found that my mortgage company at raised my payment from XXXX a month to XXXX. I called & talked to my account manager, he told me to file for loss migration, I sent in the forms in XXXX of XXXX, I never was asked anything else, I got no response or communication. I called in again, my account manager told me to file again, I asked what happened to my first one, again no response. I sent in the forms, I didnt hear again, so I called, I was told they needed more paper work, again I faxed in, after four days, I called Again, I was told for more paper work, I asked why they wouldnt communicate, again, no reply. I hired an attorney with a loss migration specialist, she always made sure that had what they needed, I was denied as the letter said their investors dont participate in that program. I re applied, as the foreclosure sale was approaching, I was denied, another letter stating their investors dont participate in that program. Im still in the house, I have VA benefits, but because of their drawn out process, & the months behind, no other mortgage company would touch me. I feel cheated, & taken advantage of by Fay Servicing. They want me out bu XX/XX/XXXX, I feel like filing a law suit to get my credit back & the home I built with my own hands
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. 

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 XXXXXXXX, 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 reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had fraudulent accounts on my report and inquiries.They are being reported by third party companies.
Product: Debt collection

Reach out to them more then XXXX time to ask for information on the debt which was closed with no info. The telling me to reach out to the original creditor that they no longer have my account because they closed it. So I ask if it close why are yall still reporting it. They then became rude and hung the phone on me many times. I actually have a recording of XXXX of the conversations. All Im asking them is that it need to be deleted and they are violating my consumer right
Product: Credit reporting, credit repair services, or other personal consumer reports

I've continued to receiving notice that Transunion has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have XXXX Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but Transunion continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " COL '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX  2. US Dept. of Education XXXX  3. US Dept. of Education XXXX  4. US Dept. of Education XXXX 5. US Dept. of Education XXXX  6. US Dept. of Education XXXX  7. US Dept. of Education XXXX  8. US Dept. of Education XXXX  9. US Dept. of Education XXXX  10. US Dept. of Education XXXX  11. US Dept. of EducatioXXXX XXXX XXXX. US Dept. of Education XXXX XXXX. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts showing on my credit report do not belong to me and must be removed immediately! I have filed a complaint with the FTC, Local authorities and the creditors. I requested the credit bureaus provide a copy of my signature and the lenders signature on these contracts to prove validity. I have not received any such documents. Therefore without these documents on file, the credit bureaus are breaking the law and supporting fraud! 

1 ) XXXX XXXX {$0.00} High Balance {$28000.00} XX/XX/XXXX 2 ) XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 5 ) XXXX {$0.00} XX/XX/XXXX 6 ) XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 7 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 8 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 9 ) XXXX XXXX {$0.00} XX/XX/XXXX 10 ) XXXX XXXX {$0.00} XX/XX/XXXX 11 ) XXXX XXXX {$0.00} XX/XX/XXXX 12 ) XXXX XXXX {$0.00} XX/XX/XXXX 13 )  XXXX {$0.00} XX/XX/XXXX 14 ) XXXX  {$0.00} XX/XX/XXXX 15 ) XXXX {$0.00} XX/XX/XXXX 16 ) XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX, a personal CREDIT CARD account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), and a credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ), a personal credit card opened at XXXX XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX  XXXX Balance {$940.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$310.00} XXXX  XXXX XXXX Balance {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$2900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many tries to deal with this situation directly with the companies and credit bureaus to no avail, Im submitting this complaint in accordance with the Fair Credit Reporting Act These accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX  XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX ending in XXXX Account name : XXXX  XXXX # XXXX ending in XXXX Account name : XXXX XXXX  # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX *The above numbers may differ from actua

l records 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 States a consumer reporting agency can not furnish an account with my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, 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 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I was making an airline purchase for a one way ticket for my wife and 18 month old and placed the ticket on hold, but instead my account was charged the full amount the next day for XXXX and XXXX from XXXX XXXX. I did not realized this until later on when my wife placed an order through XXXX for same date and time that my account was charged twice for same flight, date and time. I have tried since XX/XX/XXXX  get in contact with the airline and nobody pick up the phone.I disputed these transactions with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is the company that is handling my student loan. 
They have repeatedly and constantly are making phone calls, emails, and leaving messages on my phone. I had filed a compliant about this before, but there has been no relief. 
This company has been reporting balances to the credit bureaus, and of course there is a halt on all student loans due to the pandemic. 
This company has purposely lowered my credit scores.
Product: Checking or savings account

XX/XX/XXXX I tried to order a XXXX deal for {$540.00}. The charge was denied by Arvest. I called Arvest immediately, told we show no holds on your account the charge should be approved. This was a Black Friday deal, so we waited an hour for the charge to be approved. It was not approved. 

Phone call received from Arvest fraud department on Saturday regarding charge attempts. The system showed Arvest declined 6 attempts to charge my card. I told the fraud investigator with Arvest this was not fraud, but we already purchased a different XXXX so please do not allow the charge to go through. Arvest no worries it should not go through. 

Monday XX/XX/XXXX pending charge for {$540.00} shows on my account. Immediately message XXXX this will fall off and will not go through. Called Arvest call XXXX, but its a pending charge and should not go through. 

Tuesday XX/XX/XXXX charge cleared my bank and now is a transaction. Contacted XXXX told that transaction was cancelled. We do not see that you were charged. Sent screenshots of my card being charged for a service or item not supplied. We will have to send this to our supervisor. Called Arvest told call XXXX. At this time this is my first request from Arvest to dispute the charge. XX/XX/XXXX roughly XXXX. 

Wednesday XX/XX/XXXX reached back out to both XXXX and Arvest, continue to get the same responses. Request a dispute for the charge, okay we will email you. No email ever came. Arvest - call XXXX. XXXX - we dont see the charge this was cancelled Ill send to supervisor you will receive email. No email ever came. 

Since this time I have tried to get someone with both XXXX and Arvest to look into this without any luck. Multiple requests. 

Yesterday I went to Arvest. I was told my request on XX/XX/XXXX was finally put for an official dispute despite my first request being XX/XX/XXXX. We are now 14 days from my initial request. At this time I requested a provisional credit. I was told we will not look into this dispute until XX/XX/XXXX. This does not meet the requirements for an escalation. 

Per law - Under Regulation E, if a consumer files a written notice of error and the bank requires more than ten business days to determine whether an error occurred, the bank can take a longer time, provided it provisionally credits the amount in dispute to the consumer 's account. 

I want Arvest to change their policy regarding provisional credits as it goes against reg E and I want a refund from XXXX asap. We have had similar problems with fraudulent online charges with Arvest and they do not provide provisional credits despite the laws. This is not our first issue with Arvest regarding provisional credits ; they simply do not do them. 

I was charged for a service by XXXX not rendered. I am not being provided a provisional credit per law by Arvest. These are my two issues. 

Thank you.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XX/XX/XXXXXXXX ) which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase bank account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year> and XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer ACT ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

JJ Marshall 's Associates have threatened to seize property or collect from IRS, if I don't pay a debt I do not owe. XXXX  removed the account from my credit report. But JJ Marshall 's is relentless. I lived in a home for two months, was not on the lease. The property manager is letting JJ Marshall 's Associates handle this and it is not my debt. They can not find the actual tenant that owes the money, so because I lived there for a short while, they feel that I am the culprit. This has been going on since 2013.
Product: Mortgage

On XX/XX/2022 I received the attached notice from PHH MORTGAGE SERVICES regarding a supposed error the company made in adjusting my rate on an existing reverse mortgage I have with the company. The letter states that I was notified of a change in the rate on my XXXX Statement but the company in doing a review of my account they realized that the increase had NOT be applied back in XX/XX/2022 when it was supposed to have been done. They now state that they will retroactively apply the rate increase from XXXX balances. I find it odd that since I had filed a previous complaint with the company back in XXXX that they would just happen to be reviewing my account. But I am also wondering can the company make changes to my interest rate RETROACTIVELY and then adjust it on the current statement moving forward? I would also like a description of how they arrived at the new interest rate. 

I have attached the notice they sent me as further explanation of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a Dispute with Experian in regards to a account being reported as a late charge off on my credit report incorrectly. Experian Report Number XXXX results determined that no changes would be made to the account and continues to report as unpaid and late and it has been paid in full. Please remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), 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 creditor. REPAIR or CORRECT these items that caused me so much stress. 

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

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXXXXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$1000.00}.
Product: Credit card or prepaid card

My XXXX ran up charges without my knowledge after we separated. She changed the address on the account and other information so that I wouldnt receive statements. So I had no idea that this card was maxed out and not being paid until it was reported on my credit several months later. 
I filed an ID theft report with the XXXX and submitted it to American Express. I received a letter in the mail stating they would eliminate the fraudulent debt, but it was never removed. 

I dont feel it is fair that I am losing an account that I have held for a number of years with a perfect payment history and have had my credit score completely tanked due to the actions of someone else without my knowledge.
Product: Credit reporting or other personal consumer reports

I am writing as a follow-up to my previous complaints in which I formally disputed inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). To date, I have not received a response or resolution regarding this matter. 
The inaccuracies pertain to a closed account with XXXX specifically : The " Date Last Active '' is incorrect. 
The " Last Reported Date '' is incorrect. 
These discrepancies are a violation of the FCRAs requirements for accurate and verifiable reporting and may negatively impact my creditworthiness. 
As stated in my original letter, I kindly request the following actions : Investigate the inaccuracies noted above. 
Permanently DELETE the XXXX account from my credit reports due to the reporting errors. For your reference, I have enclosed a copy of my original dispute letter, along with identification, proof of address, and relevant supporting documentation. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 I attempted to speak to both transunion and XXXX/XXXX about a hard inquiry that I never did. XXXX states they have no record but will not provide letter of deletion and as for transunion they will not work with me without said letter. Both refuses to fix the problem of having an inaccuracy on my credit report.