23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

About a year ago I noticed my principle balance on my loan increased. Ocwen loan servicing added roughly 4800.00 dollars to my principal balance. I called them and questioned why. They could not give me a reason why. The next day I noticed they reversed the charge. They reapplied the money back to my account. This made me really suspicious. So I requested statements the statements never had the information showing the mistake or fraud. I called multiple times in most cases I always had to talk to someone else. My account representative was never available. After multiple complaints I was given a new account representative. Even though I set up appointments with her she wouldnt always call me back. She never did give me an explanation why they added this money to my account. After months of trying to figure out why I got burned out and gave up. 
Well today I was looking back at my statements online. Ive noticed once again money being added to the principle balance. 
I havent taken any loans out or refinanced. I missed some payments years ago but Ive paid everything back through my bankruptcy. I dont understand how they can increase the principle balance on my loan. Am I miss interpreting the statements? 

Please help!
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Can you verify the paperwork? Some of the specified accounts are incorrect concerning their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent over information to Equifax regarding fraud. I sent them my statement, my report from the FTC, and everything requested. Instead of clearing my information, I was told debts were validated. They couldnt remove or block anything. I was also told the proof of identity sent in did not match their records. 

It would not match their records because its not me. It has not been me. My name is not XXXX XXXX, along with a few other names listed. I dont know how many other ways I can state this. They already have my a copy of my license that Ive sent, along with a copy of my social. 

Beyond that, its beyond the number of days, by law for them to respond, 4, and they are still playing games with me. At this point they are actively participating in fraud, which is a violation of my natural rights. I know who I am. Ive told you who I am, and you are actively allowing fraud to be perpetrated on a consumer record, knowingly. I know that monetarily, I am now owe for several violations, and will be pursuant of those damages. 

Ive sent this information certified. The CFPB has it. Its still in the other open case. This should be corrected.
Product: Checking or savings account

I was foolish and decided to open a checking account with Chase to use as a side account. I set 10 % of my direct deposit to go into the Chase checking account. Apparently for the month of XX/XX/2021, I didnt meat their direct deposit requirement to avoid the monthly maintenance fee, as I was charged {$12.00} on XX/XX/2021 So, on XX/XX/2021, I went into the branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX to withdraw the balance in the account and close it down, as my primary bank has never, ever charged me a fee in the 10+ years Ive been with them! Low and behold, XXXX was left in the account and the account was not closed. I havent used the account since ; however, Chase proceeded to charge a {$12.00} fee in XXXX and a {$12.00} fee in XXXX. So the account was overdrawn {$23.00}. I called Chase customer service today to try to get this taken care of. The first agent I could barely understand. Couple that with the fact I was upset with Chase, I asked for a supervisor. Instead of transferring me to a supervisor, the agent ( I think his name was XXXX XXXX muted his phone and waited XXXX minutes for me to finally hang up. I called back and finally got a supervisor named XXXX, who really wasnt helpful. She refunded XXXX of the fees, but then said I needed to talk to the collections department. I told her I was not wasting anymore of my time, and there was nothing to collect as XXXXm not paying their maintenance fee. At present, the account is STILL open with a negative balance of {$11.00}.
Product: Credit reporting

Per Case number XXXX XXXX XXXX states that they mailed a letter closing my account and stated that I was no longer obligated for the account on XXXX XXXX, 2016. Although I never received the letter they claim that they sent the letter to all XXXX credit bureaus. Not only is the information still on my credit report as open and in collections the credit bureaus refuse to remove the information from my credit report and claim that XXXX is still reporting the derogatory information.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 4 phone calls, being put on hold for an hour at a time by the call center in the XXXX, I was finally able to speak to an American. As I am speaking to her, I find out that the address they ( Equifax ) are reporting for me is 10 years old. Yes, TEN years old. Their collection account activity is also incorrect as ALL of the collections were paid by my attorney in XX/XX/2018. The hospitals and doctors sent the attorney all bills due to the injury suffered ( broken shoulder - and needed to be replaced ). The hospitals and doctors agreed to a settlement for which was negotiated by the attorneys and the hospitals and doctors offices. Equifax has NOT made any changes at all and this has been going on now for 4 months. Equifax has refused to remove anything from my credit report OR make the correction to the address for which has been incorrect for 10 years. This company needs to be shut down.
Product: Mortgage

cooper Im waiting funds from the homeowners help program that will pay up to 24 months back mortgage payments im currently 60 days behind I have tried to pay even sending them a full one month payment they sent it back to my bank I dont have a lump sum of XXXX in full at once I also called them to do a payment plan they told me to wait for my payment to post to set it up then they send my payment back to bank My question is at 60 days behind they noted on my account the last day of the demand letter is XX/XX/XXXX i thought u dont receive the demand letter In pa until 3 months behind And get 30 days after the demand letter to fix the account I feel like they are being sneaky the money Im paying that they are returning is not even noted in my account to see any transactions I made or them should be able to be seen regardless of retuned or not
Product: Mortgage

I started a refinance on my commercial party back in XX/XX/XXXX. I signed the refinance in XX/XX/XXXX. The lender is Citibank and I primarily dealt with XXXX XXXX. I wanted a 3 year prepayment penalty ( from the 5 year ) and XXXX got the approval. On the day of signed the loan documents, I noticed the note mentioned 5 year prepayment penalty and told XXXX about it. He told me he would get a 3 year prepayment document to me to sign later on. I also found it very odd that XXXX knew of the notary and the notary 's colleagues on a first name basis. The whole signing felt pressured for me to sign and just move on and not read the documents. The notary did XXXX explanations. 

Moving forward, the signing was on XX/XX/XXXX. I messaged XXXX about a month later in XXXX about the 3 year prepayment and he replied back, " Working on it. '' I did not hear anything and in XXXX I asked him again but he seems to be ignoring my messages now.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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.
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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for this violations
Product: Credit reporting

im unaware of what the XXXX derogatory creditor ison my cbr-i disputed it and nothing has been removed or investigated acct sold to worthless debt buyers that put it on my credit bureau report-transunion and the rest. i have only credit cards mastercards and i only use avout 3 percent of my limit and pay in full each month. this derog item caused my credit score to deop from XXXX plus to XXXX i want it investigated and removed. i have never heard of this collection debt buyer company before.please help me-they show XXXX balance on cbr under derog-this is my only item that is bad.
Product: Credit card or prepaid card

Chase United Clib MileagePlus Card In March, 2019 I responded to an offer to receive XXXX  bonus miles if I spent {$3000.00} on the card and reconciled that balance within the first 3 months of having the card. 

My application was accepted and my first billing statement was XX/XX/2019. Within the first 3 months of having the card I spent and reconciled nearly {$10000.00} of payments. 

I never received my bonus miles. 

In XX/XX/2019 I called Chase to determine why I had not received the miles. They stated that I had instead accepted an offer for the first year 's annual fee ( {$450.00} ) to be waived, an offer that I did not sign up for. 

I elevated the complaint within Chase, mentioning that I could be happy to pay the {$490.00}, but I wanted the bonus miles since that is what I signed up for. On XX/XX/2019 they sent me a letter via mail that I had signed up for the annual fee waiver and not the mileage bonus, and that my case was closed. 

I did not sign up for an annual fee waiver offer, and I would like my bonus miles.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX has violated my rights XXXX. XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX has violated my rights XXXX. XXXX XXXX XXXX had violated my rights XXXX. XXXX XXXX XXXX has violated my rights XXXX. XXXX  XXXX XXXX XXXX  XXXX has violated my rights XXXX. XXXX XXXX XXXX has violated my rights 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Conserve XX/XX/2018 Account placed for XXXX in collections from original creditor XXXX University on XX/XX/2018. I have spoken with representatives from both XXXX and Conserve and disputed the charges. 
I was in a XXXX program where supervision is supposed to be given to us even as an online university. I was unable to receive adequate supervision for my program and I had to pay out of pocket which was not in the original contract upon attending the university. I experienced unethical events with the approved staff from this university and unfortunately had to transfer school because I could not continue the program with supervision for the XXXX program track. I completed my required courses and the rest of my student loan was returned. I don't find what I owe a balance for. On top of the tuition increase in the middle of a semester with no prior knowledge in also unethical and unprofessional for current students. 
I have an ongoing investigation with my federal student loans to reverse the loans entirely and sue the school and I don't feel I owe this debt either.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : a loan a credit card or credit cards from XXXX XXXX XXXX with a balance of {$210.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My tenant, in Florida, deposited cash to suntrusts ( Holiday branch ), night deposit box mid XXXX and again mid XXXX. What we didnt know was that suntrust stopped allowing cash deposits in XX/XX/XXXX. I contacted the holiday branch of suntrust and spoke to a rep, told them my problem. That I am in the XXXX and not in the USA until XX/XX/XXXX at the earliest. Since I spoke to a rep over a month ago, they have done nothing. No returned emails, no phone calls, no letters. Nothing. The amount was 2 deposits of {$700.00}. {$1400.00} in total. On the deposit slip was my XXXX XXXX, fl, account number. 
Suntrust knows 100 % what has happened but are sitting on my money deliberatly and not transferring it from the Holiday branch to my account in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

On XX/XX/19 I spoke to XXXX ID # XXXX from Barclay Bank informing them the account opened was fraud. I was told not to worry the account is closed and their fraudulent department was notified. On XX/XX/19 I received a credit card in the mail # XXXX, I spoke to XXXX who apologized and sent me an email confirming the account was closed. Today XX/XX/19 I spoke to XXXX who could not explain why another credit card was issued # XXXX and once again stating this account is closed. 

I have no faith in Barclays Bank and asking for your help in this matter. 

Please do not hesitate to contact me. 

Your help in this matter is greatly appreciated. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Bankruptcy XXXX XXXXXXXX, 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 1681 c. ( 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.
Product: Mortgage

I went into XXXX XXXX XX/XX/XXXX. My forbearance ended XX/XX/XXXX however due to a lapse with extending the forebearance in XXXX XX/XX/XXXX i was put in foreclosure status. I applied for a modification XX/XX/XXXX and was approved for a stand alone partial claim XX/XX/XXXX. However, I appealed it in an attempt to get a modification in addition to the stand alone claim. Since appealing i have had to completely start the process over again and submit paperwork already submitted and there has been little to no communication with anyone. i keep getting alerts that there has been an update to my SECOND application for assistance but when i log on there is nothing. The mortgage company keeps calling me with an automated message telling me to call them asap so when i turn around and call them back noone has a clue why i needed to call. I can not access my account or any information about my loan they have locked me out. Yet they keep sending me emails to my mortgage account communicating with me ( but locked me out ). They wont let me pay anything and can not obtain tax documents needed to do taxes. They also sent me a refund check for overage in my escrow last year that i did not receive until XX/XX/XXXX and then placed a stop on the payment but noone can tell me if it was credited back to my account. I call the attorney and cant get ahold of him. I am beyond stressed bc this process is so unorganized and impersonal. We seem to be getting nowhere and just backing up. This is a huge deal and life altering bc its my home and im asking that this please get resolved. Allow me to get this processed and done and allow me access to MY information regarding my loan so i may file my tax returns for the past XXXX years. PLEASE COMMUNICATE WITH ME. Calling me telling me to call you back is not communicating. This has been going on way too long.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion 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, Transunion '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 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 reasonabl
e investigation of disputes. Furthermore, Transuinion '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 




Accounts : XXXX contacted bureau about this account not opened by me. Not resolved. 

XXXX XXXX  contacted bureau about the status of this account. Not resolved. 

XXXX XXXX XXXXXXXX XXXX XXXX about the status of this account. Not resolved. 

Also contacted about hard inquiries not authorized or made by me. Not resolved. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX