23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

OCWEN lost our loan when we refinanced with XXXX. 

XXXX took over our loan in XXXX, 2019. 

OCWEN was holding {$2200.00} in escrow at that time. 

OCWEN returned {$710.00} on XX/XX/XXXX. 

OCWEN still owes us at least {$1500.00} in escrow funds. 

We contacted OCWEN and they told us we had to fax them a written request for " research ''. 

OCWEN is way beyond the statutory time limit for returning all of our unused escrow funds.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that has shed light on significant issues with the platform. Despite being a frequent user of Zelle and reporting discrepancies, my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions was infeasible. The CFPBs findings reveal that Zelle has not only failed to protect its users but has also allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I received a letter from Capital One stating that my account has been restricted, that I can no longer use my card, and it will be closed due to inactivity after XX/XX/2019. The letter noted a rewards balance that could be redeemed before XX/XX/2019. I had not received any prior notifications that it was being contemplated by Capital One that my account would be subject to closure for inactivity. If I had received a fair notification I could have taken action to locate my card and use my account as I did not wish for my account to be closed. 

I called Capital One on XX/XX/2019 after receiving the letter which was dated XX/XX/2019. I requested my account remain open as I have an excellent credit rating, had misplaced my card, and had not received any indication/notification from Capital One that my account could be closed in the near future due to inactivity. 

The representative I spoke with would only offer to redeem my rewards balance. I requested to speak to a supervisor. The call was transferred to a customer loyalty rep who subsequently hung up on me. Another call was placed and escalated to a Senior Account Supervisor who refused to un-restrict my account so that I could use it. The supervisor would not provide any assistance regarding my account despite being told that I don't believe that I received proper and fair notice and that the practice Capital One had in place was also unfair from a cardholder perspective. I am requesting that the CFPB look into Capital One 's practices in this regard including notifications provided, service quality by Capital One 's reps and supervisors, and why a card holder who is credit worthy should be handled and treated in the manner described. 

A few points to add, the supervisor refused to provide an address to which a complaint could be submitted to Capital One by me, instead simply advising me to find it on the website. In addition, the supervisor made it clear to me that Capital One would not escalate a cardholder call past a supervisor to a manager or above. 

Thank you for allowing me to contact you on this matter. It in vital to have representation for consumers and I appreciate the CFPB for protecting consumers.
Product: Money transfer, virtual currency, or money service

Someone has obtained my online banking information and XXXX  started money transfers charging my credit cards. The XXXX, on XX/XX/XXXX, was for more than {$19000.00} and the second, on XX/XX/XXXX, was for more than {$21000.00}. XXXX  XXXX XXXX has stopped the transfers. XXXX  XXXX XXXX blocked access to my online banking account. Before then, I changed my password. I called the number XXXX  XXXX XXXX provided for unblocking my account, The bank changed my login ID and I changed my password. Because of the XXXX  fraudulent transfer was cancelled, the bank sent me a new credit card. I received it this morning. I activated the new card and less than XXXX hours later, another transfer was initiated. I called the bank again and after several transfers between fraud departments, the bank blocked access to my online account. They bank representative said I need to go to the XXXX  XXXX XXXX branch where I bank on XXXX  to reinstate my online banking. Also, someone accessed my XXXX account and charged a purchase from XXXX for XXXX laptops XXXX  on XX/XX/XXXX. The XXXX  charge was to my XXXX  XXXX XXXX credit card and the XXXX  was for the same amount to XXXX but opened a XXXX  credit charge. When I filed a dispute saying I did not make these transactions, XXXX denied my claim.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed items to be blocked and deleted company information from XXXX. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$240000.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed inquiries will be removed immediately : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations XXXX XXXX XXXX XXXX XXXX reporting inaccurate information XXXX   XXXX  XXXX Experian Informations Systems TrustID  All FCRA violations fair and accurate reporting ITS called fair and accurate reporting cost consumer millions Higher RATES LIFE STRESS
Product: Mortgage

I have been trying since XX/XX/2021 to have SPS mortgage services help me after completion of a forbearance. Everytime I call they say still missing documents, can't read documents etc. I send them, email them, call on them over and over. I have a reinstatement demand for XXXX now. I can give them XXXX but I need them to agree to this. I wanted the balance to be put to the back of the loan they said no. No foreclosure date set yet but there is a mention of it. I get reams of letters demanding info which I send to them Please help this co has tons of suits against. I am a senior too. They never call back as they say they will. I have a relationship XXXX who when I call her extension someone else always comes having me repeat my story. They say on every call that they will send the info provided to the underwriter. That is all they will say. Tried to get ahold of their ombudsman it goes back to their phone line or their address.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX the job i did sent wiretransfer for {$1000.00}. I never got it so i called found out 1 number was wrongon the account. So they requested the money back, but chase bank wounld n't respond to them so i waited for over a month asking if they got any responce. they said no. So i went to bank and asked about it and they said the coud n't help. So then i went to another Chase Bank the Mgr. tried to help and found out that the money went to someone elses account. Even she said that sould not have happend. because of their rules If the Name & Numbers dont match then the funds should have automaticly got sent back. but it did not. After 2 weeks trying to get it back and getting permission from the person that took the money because chase said the couldnt do anything. She the Bank Mgr had to call the person and say they have the money by misstake and the person said that the bank could take it back. thats been 2 weeks and the bank Mgr and i talk almost every day said chase still has not taken the money back.It 's now been almost 4 months since i did the job and waiting to get paid.3 months since they sent money but i'm still waiting! I need help to get this resolved
Product: Vehicle loan or lease

This account was removed from my XXXX credit report & Santander placed the account back onto my credit report after being removed due to reporting inaccurate information. I am requesting that Santander remove the account from my XXXX credit report ASAP. I have already contacted XXXX  but they advised that i have to complete it with santander
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern im am XXXX XXXX my social security number is XXXX XXXX XXXX born XX/XX/XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX n.y XXXX on my credit report theirs a XXXX account and student loans that show negitive and change off i told transunion credit reporting agencies that their fraudulent accounts. Can you please have transunion remove these accounts from my credit report. Thanks
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, but my credit report shows an outdated address as [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. I request that my current address be updated accordingly. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Product: Debt collection

I am writing to formally dispute certain information on my credit report that I believe is inaccurate and potentially violates the Fair Credit Reporting Act ( FCRA ).

I recently reviewed my credit report and According to the FCRA, you are required to maintain accurate and complete information in consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, I have the right to dispute any inaccurate information on my credit report, and you must investigate the disputed items ( 15 U.S.C. 1681i ). 

Based on the recent lawsuit involving XXXX and XXXX, which highlights serious issues of negligence in reporting, I urge you to take my dispute seriously and conduct a thorough investigation. It is crucial that you verify the accuracy of the reported information and remove any entries that can not be substantiated. 

Please conduct your investigation in accordance with the FCRA and provide me with the results promptly. I also request that you send me an updated copy of my credit report once you have completed your investigation. 


Thank you for your attention to this matter. I look forward to your timely response.
Product: Mortgage

XXXX transferred my mortgage to XXXX XXXX Loan Care LLC XX/XX/XXXX. The home had been included in a Bankruptcy and not reaffirmed in XXXX. Unbeknownst to me they began placing lates on my credit which they are not to report to the bureaus as I was under Bankruptcy protection and no one can show me where I was late that month and I believe the payment had gone to XXXX who should have transferred it to loan care. I have tried to call numerous times to the company and I am told something different each time. They are saying my XX/XX/XXXX payment wasnt made till XX/XX/XXXX which is not true. XXXX was paid to XXXX and Loan care is not giving the credit for it. They also sent my XX/XX/XXXX statement to the wrong address which when I called they stated they don't even have a record of that address. I want my mortgage history fixed and them to find the payment that was sent in XX/XX/XXXX prior to the change of servicing letter that was paid to XXXX and credit my account and remove all the late payments markings on my credit report. Please find all the attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original complaint to CFPB was in opposition to Transunions score of XXXX which appeared to be affected by a none update of my credit card account with XXXX XXXX paid in full to leave a credit of {$7800.00}. The site showed a balance of around XXXX.. I recently checked my FICO due to an alert from XXXX and my credit score has been dropped to XXXX without incidence or contact from Transunion or its response to CFPB since filing. I have authorized " no hard pulls '' on my credit. There remains a fraud alert on my account and the agency would have had to contact me to obtain such a hold XXXX was good and on XX/XX/XXXX I, discovered through XXXX XXXX that my credit score of XXXX on XX/XX/XXXX was decreased to XXXX without incidence! I noticed an unauthorized " hard pull '' on my credit. The credit union that I was inquiring about funds to pay staff assured me that the " inquiry '' would not affect my credit score! I was unsuccessful in downloading a free copy of my report due to site not allowing the download to compare to XXXX download. This morning it refused to provide a report. There is no accountable difference to have affect my credit score and decrease it to XXXX! I have attached the XX/XX/XXXX credit report. I have not authorized any hard pulls. There remains a fraud alert on my credit reporting accounts and the agency would need my permission to pull such a report I updated the information on my XXXX account concerning the addresses that I never resided and now I receive a bombardment of solicitation with most recent informing me that my credit score has decreased! According to XXXX : XX/XX/XXXX My credit file was updated to remove addresses ; another update on XX/XX/XXXX ( why ) XX/XX/XXXX credit rating soliciting on how they could make my credit score better, assuming XXXX is not better given the hx of my credit prior to the XXXX recession I enjoyed credit scores up to XXXX ; and yet XX/XX/XXXX XXXX your FICO score has come a long way XX/XX/XXXX XXXX your FICO score has been updated to show a decrease when attempting to view information, no access and yet the system recognizes me ( see print screens ) XXXX XXXX  targets my credit of {$7800.00} and claims it can be increased, ironically after my credit score has been decreased! 
I have not authorized any hard credit pulls on my accounts and was informed by credit union that the credit view would not affect my credit score prior to inquiry. There remains a fraud alert on my credit report and the agency would have to contact me to obtain such a pull.
Product: Debt collection

ERC collections is reporting that I owe their company money for a debt that I have no knowledge about, I have no contract with this creditor.
Product: Checking or savings account

I had an account opened with wellsfago. My account isnt able to be be ever overdrawn n on several occasions it was up to {$300.00} at a time. I would put the money into the account to fix it n after about the 5 time of this happening I called n complained n filed a dispute. When I did so I was informed that they were closing my account. N it was to be frozen from any more auto payments deposites n withdrawal being done. Since then the account is still open. N my XXXX account has had to auto payments taken for the month of XXXX XXXX XXXX XXXX has told me that the payment has been returned n I had to make payments other ways. So when I find out how that is possible the rep was very rude n refused to provide me with any info bout how this happen.
Product: Checking or savings account

I deposited my workers compensation settlement check in my sun trust account and right after that they closed my account and that not return my funds to me is being over a month and all they say is they are investigating and I ask how long they told me is indefinitely and that's what happened to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I requested my consumer report from Early Warning Services, I was alarmed to find out that XXXX  XXXX XXXX reports a savings account in my name which I never opened. Bank Name : XXXX  XXXX XXXX This is FRAUD/Identity Theft.
Product: Credit reporting or other personal consumer reports

I do not have any products from these companies, so I would like for these inquiries to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SXXXX 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 XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, XXXX XXXX, and XXXX XXXX Freedom Mortgage tried auto drafting my partial ( bi weekly ) 3 times, each causing NSF from my bank. I manually paid the amount on XXXX XXXX and returned payments to monthly payments on the XXXX. Today, the XXXX, I receive another NSF for the XXXX and confirmed with the bank they attempted to draft again. Two different calls with freedom ended in " we didn't pull that payment, the bank must have tried to send it or something else ''. I repeatedly asked for a manager or some type of escalation but they refused. Ultimately, I placed a stop payment with my bank for the specific partial payment amount to avoid this. I'm now out an additional {$29.00} because freedom refuses to acknowledge their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  XXXX XXXX MasterCard credit card account # XXXX-XXXX-XXXX-XXXX is lost/stolen and has over {$5000.00} in fraudulent charges/transactions listed on the account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4.

These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately : 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
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.