23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

CFPB Consumer Financial Protection Bureau, In XX/XX/XXXX, I was laid off from my job and this created a bad financial situation with my family 's finances. So we started to be late on our mortgage. So at that time till recently I have been trying to settle with my mortgage about a loan modification. My original company Ocwen Mortgage company. During my modification time period, Ocwen sold or our note to the PHH Mortgage company. But now XXXX is my mortgage provider under PHH. This has created a lot of confusion in the loan modification process. I have received conflicting letters of the same date but with different content. One stating that my loan modification can not be reviewed and the other letter asking for more documents to further the review. All dated the same. And then a certified letter stating a foreclosure date has been set. So I have been in many discussions with PHH Mortgage and there assigned mortgage assistance managers. It sounds like a call center in XXXX. Anyways since my loan mod has been so mismanaged I have complained to my mortgage company and they have stopped the foreclosure date 4 times since this has happened. 

On XX/XX/XXXX - I turned in a Brand new Loan Modification Application with an updated financial statement to my mortgage company. Since my job loss, I went through a personal bankruptcy with Chapter XXXX. This left me with no unsecured debt. And with this new financial application, I was able to prove that my small business which I started in XX/XX/XXXX is profitable and showed PHH with my P & L statements to show that I was bringing in {$4500.00} a month personally from my business. And also showed them my personal deposits. The P & L statement showed I was {$47000.00} in the Black with my business. 

On XX/XX/XXXX - Mr. XXXX XXXX - My assigned account manager - told me that my P & L was not satisfactory for the underwriters. So he told me what the format was on how to prepare the P & L. I was confused by this because it showed too many expenses and that was different from my P & L in  terms of profitability. 

On XX/XX/XXXX - I called Mr. XXXX to call me back no return call. On XX/XX/XXXX - I called Mr. XXXX to call me back On XX/XX/XXXX - Letter from XXXX XXXX - that my documents will be reviewed On XXXX Letter From XXXX XXXX - Document due date XX/XX/XXXX - please submit most recent bank statement self-employed income On XX/XX/XXXX - Letter from XXXX XXXX - Stating my mortgage application was received and next steps On XXXX Letter from XXXX and XXXX - about foreclosure date set on the house XX/XX/XXXX Please CFPB Rep, help me with this loan modification, please. My original company Ocwen sold this note 2 times and it seems that my loan modification application is not getting the attention that it needs. And so many different companies working on this it seems that one company is foreclosing it and the other company is trying to process a loan modification application. 

I have many more details and have this all documented. With emails, letters, and conversation noted by date. 

Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several inaccuracies on my credit reports for XXXX, XXXX  and Experian and have not heard back from them in over 60 days.
Product: Payday loan, title loan, or personal loan

Or Friday XX/XX/XXXX i received a phone call from XXXX XXXX stating that i had been approved for a {$3000.00} loan. He asked me questions about my employment credit score etc. He then stated that because my credit score was low that i would have to purchase insurance so he could boost my credit score up. He then asked me to go to XXXX XXXX to purchase a gift card for the insurance. When i got there i didnt purchase it because my phone battery was low. Later that evening they contacted me and asked me was i still interested i said yes and he told me to purchase a {$200.00} gift card. I did. He then connected me with a lady and she said my money was on hold because of a state to state fee.. she then told me to go purchase another {$200.00} cardand that she would combine the other card with that one and that would cover it.. after purchasing it she said i had to get another card because the 1st card was for the insurance.. I began to get angry and asked her for a refund and stated that i didnt want it but she said no i would lose it and not get the loan. I got another card and she put me on hold. She connected me with a guy name XXXX and he then stated i had to pay {$500.00} for legal documents i finally realized to i had been ripped off and that it was a scam and asked for a refund because it was a scam and he said that they would refund my money back and he hung up the phone in my face. In all i purchased {$600.00} worth of cards.. a total of 3 {$200.00} XXXX XXXX cards
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had manyUp late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX Account XXXX XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

I have Contacted this company LVNV funding LLC several times regarding a debt I have been asking for paperwork on this account any sign documents of any kind every time I call its always the same thing we will look in to it. I sent letters asking for paperwork to verify it no response the amount is {$620.00} account # XXXX
Product: Credit card or prepaid card

I WAS LOOKING INTO MY PAPERWORKS AND I FOUND THIS LETTER DATED XX/XX/XXXX2016 IT SAID THAT I OPEN THIS ACCOUNT AND THE CASE NUMBER IS XXXX.ACCOUNT ENDING IN XXXX THE ADDRESS WAS XXXX. XXXX XXXXXXXX TO THE NAME OF XXXX XXXX XXXX DONNOT KNOW WHO OPEN THIs ACCOUNT.
Product: Vehicle loan or lease

I started my least back in 2022. I have complained about the extra fees added such as late fees in the amount of {$29.00} each month. Not being able to access funds in my checking account due to me being late with my loan account.
Product: Debt collection

I have call the collection company many times and let them know this not yet medical debt but my father we have the same name one of the worker told me if I care about my credit score so much I should pay my fathers bill
Product: Student loan

I was wrongly consulted about my student loan consolidation, resulting in over half of my loans not qualifying for XXXX after 8 years of regular payments. I was told my only option was to consolidate all of them again starting that back to zero. 

Addtionaly, while doing my XXXX  program I waived my in-school deferral and continued making regular payments, as I am employed fulltime by a state institution of higher education. I was told none of those payments counted, and then told they needed to review the payments. After almost a year, I receieved notification that those payments did not count. When I called, the person I talked to said that was obviously wrong and resubmitted them for review. 

I requested a copy of my account records to confirm when I recieved erronious information and was told that I could not have access to my account records without a court order.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX XXXX XXXX XXXX PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company had switched my payments from monthly to bi monthly to accommodate my job loss over one year ago. The past two weeks I have been getting late payment emails and received a credit alert on XX/XX/XXXX indicating there was a credit hit from payoff. I called payoff and after further investigation, the rep informed me that back in XXXX, when they switched payment plans, it looks like a portion of the minimum due was overlooked. This was news to me because for the past year, I have called in my payments monthly to a representative and no one has told me that. The representative apologized and said that I need to dispute the credit hit but as a courtesy, she will waive the XXXX payment that is due in the amount of {$490.00} if I can pay the assumed overdue of {$490.00} from XXXX, putting me back on track. I agreed and authorized {$490.00} to be paid on XX/XX/XXXX according to their pay schedule as payment has to be received before the XXXX of each month. Then on XX/XX/XXXX, I received an email confirmation of my pending payment of {$490.00} to be withdrawn on XX/XX/XXXX ; however, the amount they logged in was {$4900.00}. I immediately called them and was extremely upset because I dont have that in my bank acct and furthermore, thats not what was agreed on. I spoke to a manager named XXXX XXXX who said he could do nothing on his end and to call my bank. I called my bank and spoke to a supervisor who escalated the issue and stopped payment of the {$4900.00}. Then I received another email that evening from payoff indicating that they made a mistake and payment was really {$490.00}. Then, on XX/XX/XXXX I received a txt from payoff saying my payment was late! I answered back that the {$490.00} cleared my bank as of XX/XX/XXXX and XXXX payment was skipped per my conversations with them on XX/XX/XXXX. Now, today, XX/XX/XXXX, I received another credit hit alert, my credit was hit again by payoff for late payment fee. No payments are actually late and my credit is taking a giant hit of over XXXX points. Payoff has hit my credit on XX/XX/XXXX and XX/XX/XXXX! Please advise on this, Thank you XXXX XXXX
Product: Debt collection

{$700.00} I went into their office and compared signatures. Didnt match. Company sent me forms to fill out but I dont know how to fill them out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed some inaccuracies about an account on my credit report. I noticed that XXXX XXXX was reporting some things inaccurately so I sent a letter to XXXX XXXX to verify the account for validation. They sent me a letterhead with verbiage that it belonged to me with no contract or proof that this account belongs to me. As I look at the discrepancies, the account type detail is reporting differently on XXXX as an auto loan and not an installment account. The balance is showing {$3600.00} on Transunion and {$3600.00} on XXXX and XXXX. The terms are 51 months on XXXX, but monthly on Transunion and XXXX. It was last reported on XXXX different dates, XX/XX/XXXX with Transunion, XX/XX/XXXX with XXXX, and XX/XX/XXXX on XXXX. The Date of Last Activity is different across all XXXX bureaus, XX/XX/XXXX on Transunion, XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX. There is also an inconsistency with the way the comments on the account are placed between Transunion and XXXX. I want this account deleted for several reasons. It was very lazy and lack of follow-through on XXXX XXXX for proper debt validation which is a violation to me as a consumer over my request. Also, all three credit bureaus can not report inaccurate information. If all information is coming correctly from XXXX creditor, then why are all three credit bureaus reporting something different? Please delete this account from my XXXX, XXXX, and Transunion credit reports for inaccurate and unfair reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CO ) XXXX Balance : {$700.00}
Product: Checking or savings account

on XX/XX/23 i remotely deposited a check for XXXX which immediately cleared my secondary account. M & T then froze my account with no explanation. Refused to clear it even after i verified all info. Refused to let me speak with fraud dept who froze my account. They kept telling me somebody would call but never did. I was out of State at my sisters funeral and they tied up all my funds for no reason. Now i just want to close my account and get the XXXX away from them and they refuse to release my funds
Product: Debt collection

Numerous calls a day, at LEAST 1/2 dozen. I tried talking and there answer was its automatic. Every other co XXXX XXXX was real to deal with. They accepted my Medical Explanation but Citi Bank that holds the card for Sears Refuses to Listen. XXXX XXXX XXXX, and others Respected what was going on but Citibank Refuses to do so.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 card

I received an unsolicited XXXX branded credit card from Chase. I called Chase at ( XXXX ) XXXX. I submitted the card number and was asked to verify my personal information. The information was correct except for the telephone number. Scary. I was given the telephone number of XXXX credit reporting agency and told to request a credit freeze. I did as directed. XXXX sent a confirmation letter with instructions on how to navigate the credit freeze. No information was given as to how this account was opened. 
I learned from news media that another bank has been fined for this practice. Evidently, this is an industry practice that CFPB should be correcting.
Product: Credit card

On XXXX XXXX I purchased a bag from retailer, XXXX, XXXX. I returned the bag back to the merchant within the allowed time on the receipt. I waited the XXXX business days and my credit card company, XXXX ( powered by Goldman Sachs ) never applied the refund. In XX/XX/year> I went to the merchant 's retail location and they started communicating with their back end office to help me resolve my complain. I opened up a dispute with Goldman Sachs, but then still did not provide a permanent credit. The merchant e-mailed me proof that they approved the refund. The merchant, still did not refund me my money. After months, the Goldman Sachs ' reps advised me to cancel the dispute. I took their advise, canceled the dispute. Then 2 weeks later, with NO refund I reopened the dispute. This delay in obtaining the refund of the item I rightfully returned is now hurting my credit and fico score. I just want a resolution on this matter. Both the merchant, XXXX XXXX and my credit card company, Goldman Sachs ' are " passing the buck '' and no one is taking ownership that their consumer ( me ) is out {$220.00} due to their lack of response.
Product: Checking or savings account

Several logins from an unknown computer XXXX - XXXX XXXX at different times throughout the day. Called Truist Bank Fraud dept, and was left on a long hold then the call was disconnected, after I inquired about a bank check that was issued to company on XX/XX/XXXX for {$400.00} to XXXX XXXX XXXX, in XXXX Virginia, and the multiple logins from unknown user. When I asked ( XXXX XXXX XXXX how is it possible that a bank check gets issued if no funds are available ... he didnt have an answer. I was told that the check bounced by a caller at XXXX XXXX XXXX XXXX in the morning on XX/XX/XXXX claiming to be from XXXX XXXX asking for money, from a XXXX Virginia phone number XXXX, when the company wasn/t even open for business. In addition, when checking my security settings online, all pertinent notifications for alerts were turned off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my effort to improve my credit score, I learned credit history is vital. My landlord and I are trying to get my rent payments for the last 14 years along with three major purchases they financed for me on record. The rent solution recommended by Experian is only willing to start from this point and go forward. They won't provide us with another direction to go. Please help me by referring companies who can get this history included to me. This will go along way in raising my credit score. I've enrolled in XXXX to further my education. I am also moving and need a much better credit score to obtain the funding available to me to enable me to return to my home town. How can I get my payment history on record? Please advise.
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these Violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX, CREDENCE RESOURCE MANAGEMENT, XXXX Inaccuracy : This account does not belong to me Correct Information : This account does not belong to me Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error.

If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court.

I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on file, or contact me for better contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I disputed the fraudulent information on XXXX XXXX XXXX XXXX from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX  which falls under XXXX according to XXXXDebt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 have given you my identification as well as the information requested from the list of acceptable items which is only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Name : RESURGENT/LVNV FUNDING  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I have no information about them, and they were conducted by the company without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXXXXXXXXXX XXXX Acct # XXXX, XXXX Acct # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions