23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I inquired about Refinancing online. Several Mortgage Companies, including Amerisave set me several e-mails for several weeks. I take care of my totally invalid mother and it 's been frustrating with all the e-mails and phone calls. Amerisave kept sending me athe same e-mail that allows hyou to click in that days rates. I clicked in everyday and did nothing until XXXX/XXXX/XXXX, when the Rate was 3.25 % with Closing Costs of {$2700.00}. I clcked on the Link to Apply at that Rate and Fees and I went as far as the Application all wallowed me. Upon not being able to finish, I received e-mails from XXXX XXXX of merisave. She promised that if I sent my XXXX Tax returns, she could finish locking in that Rate and the aforementioned Fees. After sending her my Tax Returns, she sent me a Link to choose a NEW Rate. I told her I wanted my Rate and Fees from XXXX/XXXX/XXXX, as applied for and as promised. She told me that I could n't get that Rate and Fees, and I had to go with that day 's Fees of {$3800.00}. I complained, she said I insulterd her, which made me more upset, so I called her a XXXX. I 'm under tremendous stress caring for my mother and XXXX XXXX lied to me and insulted ME. I insulted her in return. I wasas also mad that she was trying to change the Fees on me. When I complained to her Supervisor, XXXX XXXX, he insulted me also and refused to honor the Rate nad Fee I locked in on XXXX/XXXX/XXXX. 
I also have every e-mail exchanged between XXXX XXXX, XXXX XXXX, and myself. XXXX e-mails CLEARLY show her telling me that my Rate and Fees would be what I applied for on XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX etc are continuous reporting the same bill multiple times on all of my credit reports. The same bills show up 5 times or more. For example, XXXX USD shows up 9 times its one bill not 9 of the same bill. This is killing my credit score in all 3 bureaus. Some bills are very very old and should not even be there anymore and some should just not be there period. I have tried to reach out to fix these issues and nothing has been done. I also just had an issue with a breach in that someone in XXXX  attempted to withdraw XXXX dollars from my checking account! I live in XXXX and have never been to XXXX  ... .and I have now filed a police report for that. Please make them fix this! I will also retain an attorney to help in the above situations and am preparing for bankruptcy.
Product: Mortgage

my mort. company OCWEN ( crooks ) who took over for HOMEWARD RESIDENTIAL ( crooks ) who took over for XXXX BANK ( crooks ) who took over for XXXX ( crooks ) who took over for XXXX ( crooks ) I 'm not sure if I have them in perfect order but they are or were all crooks -- -- out to screw the consumer -- -- -the newest way is to ABUSE electronic check cashing on seniors or anyone who has been forced to use automatic deposit for SS- XXXX SSI- or pensions ... .OCWEN my current mort co. will start calling to harrass you if they dont get my payment on the XXXX of the month..the same day my ss and pension check gets auto deposited ... if i send the check to early they electronic cash it witch could cause over draft fees and if I send it to late I could get late fees -- -- I believe I should be able to stop them from electronic cashing my checks -- and make them do it the old fashon way by actually posting the check -- -- I NEVER AGREED TO ELECTRONIC CHECK CASHING and most places i send payments to dont use this ripoff practice -- - NOW you have places that want to charge you for auto bill pay -- -- ANOTHER CONSUMER RIPOFF -- -- I live in indiana and dont believe I should be forced into practices that can only rip me off and have no real benefit for me!!!!!! -- - When I sent my XX/XX/XXXX payment I sent an extra {$20000.00} to help lower my principal -- -- {$20000.00} total -- -- Ocwen in their rush to get the money -- -electronic cashed my check on XX/XX/XXXX -- -- applying all of the funds ( including XX/XX/XXXX payment of {$710.00} to XX/XX/XXXX -- -- this caused even my mort intrest statement to be incorrect for XX/XX/XXXX they corrected this XXXX -- -- - but never moved my {$20000.00} back to XX/XX/XXXX where it belonged so it still doesnt show on my statement under year to date transactions -- -- all so they can get the money before its due date!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by at least three XXXX XXXX representives that XXXX XXXX would be deleted from my credit reprts. I never applied for a XXXX XXXX credit card or received in items nor ordered any items from XXXX XXXX. Three XXXX XXXX representive told me it would be deleted from my credit reports. I disputed with the three credit Bureaus and the only one who deleted XXXX XXXX I need Equifax and XXXX to delete from my credit reports
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX I filed a Chapter XXXX Bankruptcy. My mortgage holder, XXXX XXXX XXXX held two mortgages for me. The mortgage company has since reported the loan as closed effective XXXX/XXXX/XXXX of which it was not closed. I have continued to make payments on those loans, and lived in the home until XXXX/XXXX/XXXX when I sold the home. The home closed and I officially moved out XXXX/XXXX/XXXX. 

The issue is the mortgage company will not update the records to reflect the payments made since XXXX nor the closing and sale of the house in XXXX. I have disputed the information numerous times with Transunion and continue to get updates that are inaccurate. I have called numerous times also with no resolve only excuses. 

I simply want the record to show that the home was actually sold and paid in full in XXXX not XXXX. Both XXXX and XXXX are showing the home as paid in full. 

Transunion will not allow me to upload information. They continue to require me to mail information which they 1. either never receive, or 2 never bother to process. I have been arguing with them for 2 years now over the errors on my account without resolve.
Product: Money transfer, virtual currency, or money service

XXXX contacted by a professor from my University for a research position and he asked me to find out how much a computer, a printer and a projector would cost and once I sent him the approximate amount I said I was no longer interested in the job believing that what he was asking was part of the interview. He then sent me a check and asked me to send the money back to him or else I would face disciplinary action from my school. I then sent him money through XXXX on XX/XX/XXXX for {$900.00} and the same day another amount for {$900.00}, {$950.00}, {$250.00}, and on XX/XX/XXXX another amount of {$500.00}. I believed be was legit because he had sent me reimbursement checks for the money he had sent excessively but the checks would have been returned. I reported this to my bank but the claims have been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report because I am in the market of buying a home. Upon checking my report, I noticed that both XXXX and Equifax are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report 4 times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold Equifax and XXXX accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT 4 TIMES. I expect them to be deleted immediately.
Product: Debt collection

XXXX XXXX XXXX, XXXX Tx, with blatant and contemptuous disregard for the consent decree obtained against them onXX/XX/XXXXby The Consumer Financial Protection Bureau, ( File # XXXX CFPB XXXX XXXX has been harassing me for almost a year about an alleged medical debt that they claim is owed to their client, XXXX XXXX XXXX XXXX. I have never even been inside the nearest XXXX XXXX facility, which is about 50 miles away, nor have I ever been treated at, or provided any services by any XXXX XXXX facility. I am not certain that XXXX XXXX is even aware that XXXX is making these allegations. XXXX deliberately waited almost a year from the date of a procedure that I had at a small local hospital, then demanded payment, claiming that I was " uninsured ''. I am XXXX, entitled to Medicare, and carried a Medicare supplement policy. The procedure was fully covered by this insurance, with no deductible and no co pay, and my insurance coverage was accepted by the providing hospital. After I explained this in my first letter to XXXX, they then asserted, that " Well even if you were covered, our client didn't know that, and it is now too late for them to file a claim. '' ( untrue ) I wrote a second letter, again explaining that their client didn't even perform the procedure. I recently received a response from them stating that there was no new information in my second letter, and they did not intend to re examine the case. 
Presumably they still consider that this money is owed, and at the end of their last letter they made a point of noting that they had not ( yet ) furnished any negative information to any credit reporting agency. I took this as the most thinly veiled threat that they would do so if I failed to cooperate. They are doing now exactly the same things that triggered the consent order against them in XX/XX/XXXX. 
XXXX has not even attempted to verify this debt or produce any proof or documentation explaining why I owe money to a hospital I have never set foot in. Further, they are letting weeks or months elapse between correspondences, in an effort to further obscure the facts. 
I am a XXXX year old woman in XXXX health, and have had to spend countless hours attempting to defend myself against this baseless and frivolous attack. It has taken a very heavy emotional toll on my retirement, to say nothing of the wasted hours. 
My present XXXX score is well above 800. I will now have to request frequent credit reports for the foreseeable future until this matter is resolved. 
I am still considering a separate complaint regarding the release or escape of my personal information from the original hospital in violation of the HIPAA statutes without my consent. 
I
Product: Mortgage

We were working with XXXX regarding a loan modification, during the process the account was transferred to XXXX XXXX. The modification did not go through. We had been working with XXXX since XX/XX/XXXX trying to get a modification only to be turned down or to be offered such a large mortgage that we could not afford it. We received a notice XX/XX/XXXX that informed us that our home will be sold XX/XX/XXXX.

We need help and direction please.
Product: Mortgage

This creditor XXXX  XXXX has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B credit may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently started to investigate items on my credit report because I have huge goals to complete. I have noticed several fraudulent and inaccurate items on my credit report that I have constantly had trouble disputing. My rights have been violated according to consumer law and fair debt collection practices. Can you please investigate the accuracy of the listed items. I am certain they are being reported inaccurately. They are hindering my success, and it is imperative that they be removed immediately. 
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. This has caused me deep distress, as I have tried tirelessly to resolve with the credit bureaus.

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

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 co
nvictions 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 XXXX XXXX Please investigate the completeness and accuracy of every single piece of information. When you find that there are inaccuracies, please remove from my report. 

XXXX XXXX  XXXX Please investigate the completeness and accuracy of every single piece of information. When you find that there are inaccuracies, please remove from my report. 

XXXX XXXX XXXXXXXX Please investigate the completeness and accuracy of every single piece of information. When you find that there are inaccuracies, please remove from my report. 

XXXX XXXX XXXX XXXX Please investigate the completeness and accuracy of every single piece of information. When you find that there are inaccuracies, please remove from my report. 


XXXX ( XXXX XXXX XXXX ) XXXX Please investigate the completeness and accuracy of every single piece of information. When you find that there are inaccuracies, please remove from my report. 

XXXX XXXX XXXX XXXXXXXX Please investigate the completeness and accuracy of every single piece of information. When you find that there are inaccuracies, please remove from my report.
Product: Credit card

XXXX  XXXX XXXX  : Not Mine XXXX XXXX : Not Mine XXXX XXXX : Paid them off and will not remove the account XXXX XXXX : NeverLate
Product: Bank account or service

my wallet and cell phone were stolen at a party, i never find them and notcie the bank totally closed my account i had XXXX of dollars in there. i get a letter in the mall of a fraudulent account statment of someone taking all my money out of the bank and not XXXX person at bank of america will tell me anything they pretend i never exsisted and they send me to a XXXX. im so XXXX i need your help thank you.
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I saw XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Debt collection

In less than a 24 hour period I have received three separate phone calls from Frontline Asset Stratagies. They are also harassing a family member of mine who has nothing to do with this matter. When I asked who was calling, they refused to identify themselves and continued to pressure me for my address and the last four of my social. When I called back to find out who was calling, I was threatened with a lawyer. Frontline then called again, and again refused to identify themselves insisting that I must provide my personal information. I provided my personal information when I called them back yesterday. They call from numerous different numbers. I need these calls to stop. I need Frontline to cease contacting my former relatives (ex-brother-in-law.)
Product: Money transfer, virtual currency, or money service

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

Again this will be my 5th time asking for the following items to be removed from my report they were due because of fraud I never had access with these company all other report removed the items so how is it that transunion saying they verify how can that be please remove and block. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiry I never authorized to be pulled. Again a problem. With fraud please removed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All this will make my 5th time asking for help I also will call in to put a freeze on my file so I would have to call in and have it
Product: Credit card or prepaid card

I had a credit card with Aspire for a year and one month. I have always made my payments on time and whenever I was unable to make a payment on time ( due to COVID-19 and the current financial hardships of this country ) I informed the company well ahead of time. I most recently made two payments in XXXX XXXX XXXX. I received a notification from a credit report app I use in connection with my checking account that stated my Aspire account was closed. I never received a notice from Aspire with a warning that my account would be closed due to it being {$30.00} over the limit. I have never heard of Aspires policy of closing an account that has been over the credit limit for some time. I have contacted Aspire via phone various times in regards to late payments or the status of my account and I was never informed of any of this. Even when I informed them of a payment that would be received late, they never gave me a heads up that this could be a possibility. I contacted Aspire today ( XX/XX/2023 ) and they confirmed the closure of my account and then decided to inform me of the closure policy. They said this account could not be reopened but they could submit a request. I declined the request due to their bad business and my distaste for the lack of communication. I am looking to have this removed from my credit report, as I know this account closure can negatively affect my report and score. Aspire claims I still owe about {$300.00} but I refuse to pay for an account that I will no longer have access to. I made payments in XX/XX/2023 that were completely disregarded and I will not continue to spend my limited money on this company.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt 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 accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX, bal. {$4100.00}, XXXX XXXX bal. {$4500.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.
Product: Mortgage

This is in follow up to a previously filed complaint with the CFBP, complaint # XXXX as well as complaint # XXXX. As noted in the previous complaints, the request to remove PMI was submitted XX/XX/XXXX and all the requirements to remove PMI were met. There was an error in the appraisal that stated the value of the property was significantly less than the actual value and CMC Funding ordered another appraisal at their expense. This delayed the review of the PMI removal request by 5 months, which CMC Funding issued a notice stating PMI was canceled XX/XX/XXXX. This resulted in 5 months of overpayment for a total of {$240.00}. I am requesting that that amount be refunded to me.
Product: Debt collection

I have reached out to this debt collector ( LVNV FUNDING LLC ) about a reporting i'm seeing on my credit report. I don't recognize the account with the Original Company so i sent a letter to the debt collector asking them to verify the account by sending proof of this alleged debt with their company. They send me a statement of the credit card that's in question, not anything that's linking me to this credit card ( proof that this debt is mine ). I did not have any credit card with this company XXXX of XXXX  to XXXX of XXXX. This is damaging my credit. I have the right to a fair and accurate credit report and i feel that I am being deprived of my rights. I ask that this deleted immediately. Its been over 2 months of going back and fourth with this company for them not to completely cooperate with me, this is my life here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equafax add inquiries to my credit report which cause long turn financial pause.