23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In 2014, my business, as I am XXXX, had a downturn in gross income. The decline in income was temporary as my business is strong, but I lost personal income and fell behind in my mortgage for three months. I explained the circumstances, and asked my bank BB & T to help me with a deferment and modification as my interest rate is 5.75 %. As I am XXXX, my income was not high enough, to refinance, get a deferment, get a modification, and they suggested I sell my home. If I had not come up with the money that was owed, and the late payments that accrued, I would have lost my house. I am in the XXXX, and I can tell you, they were quick to turn on me, and begin foreclosure proceedings. BB & T fraudulently appraised my house {$200000.00} less than it is worth. I was surprised at the quickness that their resolution to me was to sell the house in a short sale. My house is worth, {$580000.00} they said it was worth {$380000.00}. As i look through title work daily, XXXX, I wonder how many people, who were unable to understand the process, and do not have the means to fight the banks, have lost their homes. I see foreclosures daily in my work, and hope that I may avoid this same scenario in the future by being proactive and speaking out about the banks unfair practices, especially toward the self employed. BB & T bank, if they would have just refinanced my rate, would have allowed me to save monthly. The bank, if they would have put the money I was late on, at the back end of my loan, modified the loan, I would have benefited. But they were not interested in helping me. BB & T would rather own my property like the many bank owned real estate inventories rising in America by pushing the little guy aside, throwing us all out on the street, and out of our homes.
Product: Debt collection

Due to years of identity theft this account was impersonated by a scam caller I called me, lied about owning a business and actually had me give my banking info from a fake listing on XXXX for a job opportunity. They then put a false goverment issued falsely printed check into my XXXX XXXX account. I addressed the issue with Capital XXXX bank XXXX Portfolio Recovery XXXX XXXX ON PAPER! XXXX XXXX my XXXX checking account and terminated my XXXX line!! Ridiculous. I explained the situation they still deleted my account, closed my checkings and still after being removed 2 times already between all XXXX buraeus by my use of XXXX law.
Product: Mortgage

My mortgage is with Ocwen. My loan to value ratio is ~77 %  based on the original sale price 3 years ago. When I contacted Ocwen to have them remove the PMI on my loan I was originally told my loan had not crossed the 80 % loan to value threshold. I explained that their numbers were incorrect and that the original loan documentation proves it. They rechecked the numbers and agreed that I was at ~77 % loan to value. When I requested they remove the PMI charges, they said I would have to pay them to have an appraisal done in order to remove this. I offered to provide alternate valuations ( State tax appraisals ) that show my house has appreciated in value, but they said they can not accept anything other than an appraisal through their vendor. This is a clear case of extortion. I have met the requirements to remove PMI based on the original loan terms and have offered to provide current, alternate documentation to the value of my home, but they will not accept anything other than a vendor of theirs being paid for an appraisal. When I asked them when they would automatically remove the PMI charges, they said they would not remove them unless I paid them the fee to have the appraisal done. I feel like this in not only an extreme anti-consumer practice, but a clear case of extortion since my only options are pay them the appraisal fee or pay the PMI forever.
Product: Credit reporting

XXXX XXXX XXXX XXXX are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.
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 XX/XX/year> to XX/XX/year> 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  XXXX Never 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

This CFPB complaint has been led 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 collection account opened with XXXX XXXX on XX/XX/year>, 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 item. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Southwest Collection Systems, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, filed a collection notice with XXXX credit reporting agency in XXXX XXXX without any communication nor validation of the debt. The debt was originally satisfied in XXXX with XXXX through the return of equipment - which was validated by XXXX when they attempted to have me switch back to their service in XXXX XXXX. Southwest has not called nor provided any information regarding the alleged debt and can not be reached by the numbers provided to XXXX. A review of consumer complaints shows a pattern of aggressive tactics by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that does not belong to me ans i want it to be remove. 

1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

Applied for CHASE IHG credit card with promotional offer of one free night at any property upon renewed annual year on XX/XX/XXXX. Chase has recently changed the terms to properties less than XXXX points and has also excluded certain properties that are under XXXX points. As of now Chase is honoring this certificate for those who applied between XX/XX/XXXX-XX/XX/XXXX and nothing before.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Clarity Services Inc States I requested a credit freeze on my credit report. I have never heard of this company until this. I never requested nothing from this company nor can they provide any documents me agreeing to any of there terms or agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$1000.00}, {$12000.00}, {$5600.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- OPEN ACCOUNTS 1.
XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- CLOSED ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account.

] -- OTHER ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the  UNVERIFIED debt with XXXX XXXX XXXX with a balance of XXXX with file # XXXX if this account is not deleted from your file. 

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

To my knowledge, I never done business with your XXXX XXXX XXXX and I have no legal binding contract with this company. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA, because I have no contract with XXXX XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX XXXX with a balance of XXXX is not deleted immediately from your file. 

This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a dispute out to XXXX, Equifax, and XXXX  that are reporting information I never gave them or the alleged creditor to report on my credit report. According to 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, as a consumer I gave them 45 days to show me any written instructions that allows them to report this information. They have never should me any written paper work. These reports of this information is not helpful to me and it is hurting my chances of moving on in life. I have submitted two complaints to CFPB. I am just asking for help because the Consumer reporting agency 's and the creditor is taking advantage of my consumer report. As the original creditor of this account I would like it removed from my report immediately.
Product: Money transfer, virtual currency, or money service

I am filing this complaint to formally express my concerns regarding Zelle 's handling of disputes, especially with the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies financial institutions and Zelle failed to investigate my claims adequately. The stated that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

On the XX/XX/XXXX I was notified that I'd received an adverse action denying me access to XXXX. I clearly asked who reported the XXXX? And the representative stated that the Courts reported this to Resident Verify. I contacted the Court directly and they clearly stated that they " DO NOT REPORT TO ANY CREDIT REPORTING AGENCIES PERIOD ''. AND THAT THEY DO NOT VALIDATE ANY ALLEDGED DEBT NOR CAN THEY VERIFY THE ACCURACIES OF ANY FILE THAT SOMEONE GET FROM SEARCHING PUBLIC RECORDS ''. 

I INFORMED RESIDENT VERIFY THAT I WANTED TO DISPUTE THIS AND THEY SAID THAT I CAN'T DISPUTE IT AND THAT I WOULD HAVE TO GO TO THE COURTS AND THAT IT WOULD CONTINUE TO STAY ON MY REPORT EVEN IF I DISPUTE. 

I informed resident verify that I wasn't even staying at XXXX at the date they gave and that i had proof to back that up that I was no longer a resident at that time and that I had proof directly from the Apartment complex directly from my move out sheet sent to me via email from XXXX  and that I had moved out, did a walk through and turned in my keys on XX/XX/XXXX and Resident Verify stated that I was XXXX  XXXX the XX/XX/XXXX. 

I clearly explained that you can not XXXX  a person that has already moved out and turned all possession of the property over to the Owner ie Management. 

Resident Verify stated that they're going to continue to report it even after I asked them to validate the debt from directly from the courts and not from public records because they can not be Validated and or Verified as true and correct because the Courts do not report nor will the Court attest to the Accuracy of any Public Records.
Product: Bank account or service

I have a checking account with BMO Harris ( the bank ) and am required to maintain a balance of at least {$2000.00} to avoid a monthly charge. I looked at my account online this afternoon and discovered that the bank assessed a {$15.00} charge to my account on XX/XX/2017. I contacted the bank and asked the customer service representative ( the rep ) with whom I spoke the reason for this charge. She stated that it was due to my account balance decreasing to less than {$5000.00}. I informed her that I received a notice two or three years ago stating that I must maintain a balance of at least {$2000.00}, but that I was unaware of the requirement to maintain at least a {$5000.00} balance. I asked her when my account terms changed and when the bank issued the notice to me. She reviewed the account further and confirmed that I was only required to maintain a {$2000.00} balance. She stated that the fee was assessed in error and that she would reverse the charge. However, I believe this error, without the rep even understanding why it occurred, reflects a major flaw in the bank 's compliance management system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from Equifax and found that n my personal Information there is an inaccuracies with my last name and address. My last name was spelt wrongly as XXXX XXXX instead it should be XXXX XXXX is the correct spellings. it need to be updated or removed. And also I never had a post office box address so this XXXX XXXX XXXX, XXXX, GA XXXX should be removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bellow XXXX accounts were added to my credit file only once they went to collections. I didnt open either of these accounts and only discovered them in XXXX of XXXX. Both accounts are fraudulent and have been reported to identitytheft.gov. 

XXXX fraudulent account Originial creditor : XXXX XXXX XXXX Account # XXXX Amount owed : {$13000.00} Placed in collections : XX/XX/XXXX XXXX fraudulent account Originial creditor : XXXX XXXX  Account # XXXX Amount owed : {$2700.00} Placed in collections : XX/XX/XXXX 22
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter, requesting this closed account from capital one from XX/XX/14. To be deleted from my credit report. It has been well over 90 days and I have yet to get any correspondence from them at all. This violates the FCRA law that States the bureaus have a responsibility to respond to the consumer within a timely manner.
Product: Mortgage

On XXXX I closed on a refinance of my mortgage with Finance of America Mortgage Company. My mortgage was assigned to a company called XXXX XXXX for servicing. 

Problem : The amount that XXXX XXXX deducts from my monthly mortgage payment is XXXX ( {$3600.00} annually ). On XXXX I received a letter from the XXXX County Tax Commissioner 's office that my homeowner 's taxes would be reduced from {$3600.00} to {$1200.00}. Based upon this reduction, the amount that XXXX XXXX should be deducting from my monthly mortgage payment should be approximately {$100.00} per month as opposed to {$300.00} per month. 

I have contacted XXXX XXXX on 3 occassions via their website and via phone regarding this situation. I submitted the attached documentation provided to me from the XXXX County Tax Commissioner 's office, however Loan Care has not made the correction, instead, I received the attached document from them called Annual Escrow Account Disclosure Statement dated XXXX which indicated that the correction was not made. 

Today I looked at my account on the XXXX website. The escrow and insurance page reflects that my escrow amount is now {$1200.00} annually. However the on the Payment Information page it reflects that my the escrow tax amount deducted from my monthly mortgage payment is still XXXX ( {$3600.00} annually ). This is an obvious discrepancy and XXXX XXXX is still deducting the wrong amount from my mortgage payment and is charging me the wrong amount for my mortgage payment. 

I would like my escrown payment to be corrected, my mortgage payment amount to be adjusted accordingly and XXXX XXXX to send me any overage that I am due. 

Thank You
Product: Money transfer, virtual currency, or money service

I hadnt logged into my crypto.com account in some time and now that I try it says my device is jailbroken even though it isnt. Ive tried multiple devices, Ive contacted them via XXXX ( XXXX ), email, their support chat and can not get any kind of response or help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TO GET MY CREDIT REPORT UPDATED PROPERLY!! 
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX please delete any other addresses that appear on my report the are fraudulent. Delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX Please delete these numbers the are not mine not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, Transunion and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, Transunion and XXXX have 30 days to investigate and send me the results. 

And they also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below :