23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern, My name is XXXX XXXX XXXX, and I am in the process of refinancing my current home mortgage loan through XXXX XXXX XXXX XXXX. My current mortgage lender recently notified me of some disturbingly inconsistent news. 
They referenced a cancellation of Debt, which took place on XX/XX/XXXX, in the amount of {$160000.00}, which exceeded our principal balance of {$69000.00} that also included a secondary mortgage totaling {$11000.00}. We received the confirmation per the IRS explaining that the Debt was canceled on behalf of the mortgage company Ocwen Loan Servicing LLC. 
I contacted Ocwen to obtain clarification and guidance on how I should proceed with my mortgage payments. I was told that I did not receive credit for the cancellation of Debt for {$160000.00}. The only applicable credit was from the HAMP incentive program totaling {$5000.00}. I then continued making my monthly mortgage payments to Ocwen Loan Servicing LLC. 
On XX/XX/XXXX of XXXX, my mortgage loan was transferred from XXXX XXXX XXXX, previously known as ( Option One Mortgage ) to Ocwen Loan Servicing LLC. I had been with XXXX XXXX since the year XXXX and had a long-standing history. Before this transfer, my mortgage was under a HAMP Modification, which I received loan forgiveness leaving me with a principal balance of {$59000.00} and a deferment of {$10000.00}. 
Ocwen Loan Servicing LLC later became PHH Mortgage and XXXX XXXX ( my current Mortgage Loan provider ) for which I am beyond dissatisfied. Before XX/XX/XXXX, in the wake of the COVID Pandemic, I had been making my monthly mortgage payments faithfully. Due to the pandemic, I was forced to place my mortgage loan in deferment. While on deferment, I began exploring other options, which leads me to where I am today. I need to understand precisely where I stand as it relates to my total payoff balance. I need to be provided with the exact dollar amount. 
Thank You in advance for your urgent attention regarding this matter. 
Best Regards.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 XXXX XXXX Reported : XXXX XXXX, 2024 XXXX XXXX XXXX Reported XXXX XXXX XXXX, 2024 XXXX XXXX XXXX Reported : XXXX XXXX, 2024
Product: Credit card

Fraud by XXXX and American Express I have led XXXX XXXX since XXXX. This one was in XXXX in XXXX. 

XX/XX/XXXX. 
XXXX tickets and a tour guide for the XXXX in XXXX, XXXX purchased online from XXXX for USD XXXX. The local merchant for XXXX is XXXX XXXX. 

XX/XX/XXXX. 
Arrived early with my students at XXXX XXXX 's storefront location per the voucher 's instructions. 
The merchant directed me to take my students to the XXXX of XXXX to meet the guide, a XXXX walk. The merchant said the guide would have the tickets. 
We waited at the location for nearly XXXX minutes. 
I left my students and went to the XXXX XXXX XXXX XXXX. I was told that it was impossible for the merchant to have sold me tickets on XX/XX/XXXX as the park had a strict limit on daily visitors, and tickets had been sold out for at least XXXX months and would not be available until XXXX. He then looked at his computer and said he did not see any tickets purchased under the merchant 's name or in my name. He suggested I speak with the merchant. 
I called the merchant 's office. The merchant apologized and said XXXX ) the guide could not find us and had left, and XXXX ) she had forgotten to give me the tickets, but if I returned to the office, she would give them to me. 
Knowing there were no tickets, I dismissed my students and returned to the office. The merchant immediately began to blame me for not being at the XXXX XXXX XXXX to meet the agent. 

XXXX ( date unknown ) I contacted the merchant and they offered me a 10 % refund, XXXX XXXXXXXX. 

When I returned from XXXX I opened a dispute with the credit card company, American Express. American Express found in my favor as XXXX had apparently failed to respond. 
The merchant, XXXX, reopened the case, claiming that according to XXXX  XXXX XXXX ) I had signed a waiver that I no longer wanted the tour, XXXX ) they gave me the tickets at the office, XXXX ) I had gone to find the tour guide, and XXXX ) the tour guide left. 
The merchant did not explain why I was searching for the tour guide if I did not want the tour and already had the tickets. The merchant has not produced the waiver I am alleged to have signed, even though I have asked AmEx for it twice. 
AmEx decided in the merchant 's favor. The reason they give is that the merchant claims I was given the tickets and was late to meet the tour guide. AmEx believes the merchant and, by default, I am a liar and attempting to take advantage of the merchant by asking for a refund. 

No one at AmEx will discuss this claim with me. I am not allowed to speak or otherwise communicate with anyone other than the XXXX XXXX Customer Service representative who answers, and they have no authority to resolve or escalate the dispute. 

I have full documentation of my correspondence with XXXX and AmEx and will provide it on request.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX pm. I received an email from Comenity Bank that read, " Putting your mind at ease about your payment due. We know the recent system outage has been frustrating .... '' I made two payments electronically from XXXX XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) and neither has been received by Comenity as of today, XX/XX/XXXX. Both payments are reflected in my bank account. 

Since I received the email on XX/XX/XXXX, I started checking my Comenity acct each day. On XX/XX/XXXX I tried logging into my account and could not. I tried calling and would only get a answering machine XX/XX/XXXX I could log on and see my charges and my balance, but no one would answer at Customer Service. 

XX/XX/XXXX after XXXX pm I finally spoke with a Customer Service person. They suggested I make another payment. Why would I make another payment when the other two have not been credited to my account? I asked to speak to a Supervisor and spoke to someone named XXXX. He kept saying there was a system update and assured me I would not receive any late fees, but could offer no timeline for the issue to be resolved. I have a suspicion that there is something else going on. No credit card company would have their system down for this long to receive payments and inconvenience their customer base. I called BJ 's XXXX ( Comenity is their bank ) and let them know what was going on and they were aware and said it has been going on for three weeks! BJ 's put me through to Comenity and immediately they want me to send another payment. I will not send a third payment until the other two are reflected in my balance. I feel like something else is going on and not just a " system update. '' I'm guessing our data has been breached and they are not telling us. This is beyond ridiculous at this point and I need help.
Product: Checking or savings account

I tried to access a us bank atm at XXXXXXXX XXXX XXXXXX/XX/23 and deposit XXXXus currency which was took from and in turn I only received a receipt & no money
Product: Debt collection

Bay Area Credit Services appeared out of NO WHERE on my credit report claiming that I had a past due balance with XXXX XXXX XXXX for {$540.00}. It was first report on my credit bureau report from this company it appears XX/XX/XXXX. I had no contact. I had no Knowledge of ANY account due because I have not lived at that Address since XX/XX/XXXX. When we left the address in question ( after 5 years ) the owner XXXX XXXX was to have contacted the company to put service back into his name. I have proof of Contacting this company through a dispute on my credit report and I contacted XXXX as well that this is THEIR MISTAKE because of their short staffing during COVID. I tried again to resolve this issue with the COMPANY and was RUDELY hung up on from XXXX - XXXX on XX/XX/XXXX. I again informed her that the landlord was responsible and I have not lived at that address during the time that they are charging for. My address in XXXX was XXXX XXXX XXXX, XXXX pa and my other home at the time was XXXX XXXX XXXX, XXXX, NC and therefore I can 100 % prove I wasnt there. I have contacted the owner AGAIN XXXX @ XXXX as of XX/XX/XXXX via TEXT message explaining that he or the next tenant are responsible for this and I am VERY UNHAPPY it is GREATLY affected my Credit report and SCORE.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I went to a retail store XXXX XXXX to purchase my wife 's wedding ring. During the purchase, a representative from the store stated that I could take the ring today @ {$1500.00} and pay it off early through one of their leasing company. I agreed he stated that I could pay it off early by paying any additional amount while the leasing company ACIMA will withdraw a base amount which I set up to be taken out every pay period which is every two weeks that would pay off the loan in 3 months or 90 days in which I agreed and signed off on this lease arrangement. I later that day spoke to an ACIMA customer rep. and she assured me that i could use the early option 90 days by paying an additional amount in which I did every pay period to matcth the base amount ACIMA was supposed to be taking ou. However, when I checked back with ACIMA in XXXX I was told I had missed the early option rate and would now have to pay the 12 month rate. I found out later that ACIMA never took out the base rate but was on collecting the additional amount I was paying which totals approx. {$1600.00} but they are saying I owe {$3500.00} beccause I misssed the early option date. ACIMA VIOLATEDTHE LEASING AGGREEMENT BY NOT WITHDRAWING THE {$130.00} BASE RATE WHICH CREATED ME NOT PAYING THE EARLY OPTION RATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Motor Finance has stopped reporting all account updates to the 3 major credit bureaus since XXXX 2022. One of the 3 credit bureaus even has the account marked as closed, even though it is still active and I am paying every month. This goes against their documented practices, which state that they report the balance and standing of the account every month. Contacting them is met with silence, as they claim to be unable to address anything over the phone ( why have customer service phone numbers then? ). HMF was already fined $ XXXX by the CFPB for incorrect reporting to the credit bureaus. This apparently is continuing. Please help me resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may find, on XX/XX/XXXX I pulled a copy of my consumer report and discovered that 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. 

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  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.

I did not give anyone my consent to reporting these accounts, these items are disturbing my livelihood, attempts to secure employment, housing and puts me in danger of predatory lending and high interest rates.
Product: Credit card

XX/XX/XXXX after 37 years of business I had to put my XXXX into Chapter XXXX bankruptcy. We were a XXXX. Suppliers and creditors that had personal guarantees I found a way to pay. CHASE would not except the bankruptcy and insisted it was a personal account even though they had been sending the statement to the corporation and was being paid by the corporation since XX/XX/XXXX. I tried to work with them. Sent letters. Had my attorney send letters, talked with them on the phone. They would not work with me even though the card was only used for business. When there reporting got to the credit rating agencies it was not possible to hold the high personal FICO scores we had prior to the Chapter XXXX on the corporation. We were turned down on lower interest rates for our home and it was very difficult to get new credit at all the first year. In conversations I had with there customer service they would say they new the card was used for business but they could not help me. They finally sent me a XXXX which made it income to me, but did not do anything to remove it from the credit reporting agencies. I feel CHASE did not operate in a business manner for this account and would like them to remove it from my personal credit report.
Product: Credit reporting or other personal consumer reports

Dear Trans union, I checked my report today and seen an inquiry that I do not recognize, I want to dispute this inquiry as identity theft. I have included a federal trade commission report as well as a cover letter to support my dispute. Please remove this inquiry post haste.
Product: Consumer Loan

I took a loan with Big Picture Loans back in XXXX XXXX for {$400.00}. I have had multiple payday loans before, but I never remember being charged this much interest. However, I went back and looked at the interest rate and notice that it was XXXX %. On this {$400.00} loan, I will end up paying over {$2000.00}. I will not be done paying them back until XXXX XXXX. As of today. I have paid them {$700.00}. I have been able to skip 2 payments. I called them when my last payment was due and ask them if I could make some other type of payment arrangements, because I could afford to pay the payment. They then offered to let me skip a payment for the last time. I have read some of your comments to only find out they are not even licenses to do this. I do n't know what to do because, they have my information and do not want them to call me at work. I also read that you were able to send them a letter and they settle with the customer and will not be able to loan with them again. I would be perfectly fine with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian XXXX XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX : {$580.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural human being, I am a living being, and also a consumer, which I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they have violated my rights numerous times I demand the accounts below to be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax permission to furnish this account. 


Account Number # # # # # # # # # # # # # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANIES Violated the law by allowing the two items below to be re-added to my credit report after they were removed without Sending me proper notification Item 1 : Judgement amount : {$2500.00}. This item was removed from my credit as a Judgment on XX/XX/XXXX after I challenged the item vigorously. It was then added back to my account onXX/XX/XXXX as a collection account owned by XXXX XXXX XXXX. This violates the law as stated below Item 2 : Collection account : XXXX XXXX {$50.00} This item was removed from my credit report after a vigorous fight on XX/XX/XXXX It was then re-added to my credit report onXX/XX/XXXX as XXXX XXXX In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA,
Product: Mortgage

This is the substance of my complaint against Capital One. They have employed one stalling tactic after another in processing my home equity loan application. I believe early on they realized the interest they were collecting on my Capital One credit card balance was about the same as they would be collecting on this much larger home equity loan, so they put my application on the back burner. Is this not illegal? They have cost me and my son ( to whom I am going to gift a part of the loan proceeds ) more than {$1000.00} in additional interest on our credit cards. If one instance of this behavior is not illegal, should they not be investigated to determine if a pattern of this consumer abuse exists? 

You are able to monitor the progress of your application on their XXXX. It offers no communication, secure or otherwise. For nearly two months there has been nothing for me to sign, nothing for me to provide, yet, over that time, it has consistently reported, " 9 complete, 2 [ documents ] in review. '' When his subordinates ceased communicating, I sent an email to XXXX XXXX, Manager ( the text is attached to this complaint ). Nearly ten days have gone by and he has not responded. Read this and you will get a full timeline and details. 

The next document I am attaching is a letter from Capital One advising that they are exiting the home equity loan business. Why send this to me? My application had already been in process for three months! This makes me wonder if any of the people with whom I have been communicating still have a job at Capital One. 

The next communication I received was an email asking me to take a survey. After I checked boxes critical of their customer service, I was INVITED TO CONFIRM THAT I WAS WITHDRAWING MY LOAN APPLICATION! Of course, I did not do this, did not submit the survey. What kind of trickery is this?
Product: Credit reporting or other personal consumer reports

I am formally requesting an investigation into Trans Union for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these hard inquiries to be made. Despite multiple requests, Trans Union has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid drivers license. 
Fortive. 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 These unauthorized hard inquiries have raised serious concerns regarding Trans Unions compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information. These actions have negatively impacted my credit score and financial standing, causing significant hardship. I have not provided any entity with the authority to access or pull my credit, and Trans Unions failure to comply with FCRA regulations has caused undue harm to my credit standing. I respectfully request that the CFPB investigate Trans Unions practices, hold them accountable for their failure to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. Additionally, I have repeatedly communicated my concerns to Trans Union, including sending notarized documents via first-class mail, yet they continue to ignore my requests and subject me to XXXX XXXX  through these unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.
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 highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovery lost funds was impossible and that tracking these transactions was infeasible. The CFPB 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 accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I sent a cease and desist letter to World Finance several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.