23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Summary of problem! XXXX XXXX  has not been paid yet and payment according to the Closing Documents we signed, this was to be paid XX/XX/XXXX. THEY HAVE NOT BEEN PAID OF THIS DATE. 
Order of process to date : Note : I have copies of the documentation and will be able to provide them to the Louisiana Consumer Protection Agency which will initiate investigations by the State of Louisiana and the Department of Veterans Affairs. 
- XX/XX/XXXX I received notice of Loan Approval for loan number : XXXX - XX/XX/XXXX A contract Notary representing XXXX XXXX witnessed the contract closing. This date was changed from XX/XX/XXXX. Special note the contract was received by the Contract Notary at XXXX on XX/XX/XXXX, in other words it was current. We signed the contract and the cost of the Notary was not include in the online documented paperwork, so I had to go to my credit union and get a certified check for {$110.00} to pay the Notary. 
- XX/XX/XXXX, our current mortgage provider was not paid as indicated by the Closing Instructions under Disbursement Date : XX/XX/XXXX. Special Note : I have a copy of Loan Depot Lifetime Guarantee under Important Steps item one it states Please note that your previous mortgage payoff and/or disbursement may take up to 5 business days from XX/XX/XXXX to XX/XX/XXXX is currently 41days and still no payment to my current mortgage holder. 
- On XX/XX/XXXX I was current on my mortgage payment and on XX/XX/XXXX I was current on my mortgage payment. I was compliant when we closed on XX/XX/XXXX. 
- XX/XX/XXXX I am asked by XXXX XXXX to print and sign a new copy of the closing contract and forward it to Loan Depot. I did comply but as an un-notarized addendum to the contract I believed the activity would violate Louisiana Law and  would then make the contract non-binding. 
XXXX  XXXX, XXXX has not paid my current mortgage holder and now XXXX XXXX has changed the cost break down without my approval or signature. As you are aware to change an in-place contract it requires the approval of both parties involved in the transaction. I will not honor my obligations due on XX/XX/XXXX until you honor your obligations of the XXXX  Contract to pay the current mortgage holder on XX/XX/XXXX. You pay and I will become easier to work with. 
LoanDepot.com has initiated my first payment on this loan on XX/XX/XXXX. I will not make any payments to you until my current mortgage holder is paid in full including penalties and fees caused by your constant delays and excuses. 
I have recently received a letter
Product: Credit card

FRONTIER/ BARCLAY Charged me for annual fees that I immediately disputed. They agreed to refund the money and not charge a new annual fee because I no longer wanted to use their card or services. They opened and closed a dispute and credit case and only refunded XXXX of XXXX charges that they said the would. They owe me {$190.00}. 

When I call they give me a huge run around. They open and close case XXXX, without any written notification or additional information. 

Here are the entire transactions for the year, all disputed and unresolved, and all with Frontier/ Barclay . 

Account Balance as of XX/XX/year> : {$0.00} Transaction Date Description Category Amount XX/XX/year> Payment Received CREDIT  XXXX XX/XX/year> ANNUAL FEE DEBIT XXXX XX/XX/year> FRONTIER CREDIT XXXX XX/XX/year> Payment Received CREDIT XXXX XXXX XX/XX/year> FRONTIER DEBIT XXXX XXXX XX/XX/year> FRONTIER DEBIT XXXX
Product: Student loan

I am a parent ( age XXXX ) who took out student loans through Nelnet ( servicer ) These loans were taken out in 2004 at the amount of XXXX $ they are now XXXX 
This servicer has continually provided the most inaccurate and wrong information throughout the years.. I made years of payments.. I was never informed that these particular type of loans were discontinued several years ago.. Each time I called in they told me to apply for Income based repayment, along with several other programs that I did not qualify for ... years of wasted wrong information. 
These loans are also comaker loans with my wife.. which makes it worse and They do not allow me to consolidate the loans.. 
I have requested this several times..as years have passed. 
They accrue interest of XXXX a month AS a senior citizen the fact that no help is offered in any way... is very worrisome to me and my health.. 
The representatives they have have steered me into a black hole ... .in which I can never get out I need help in this matter Thank you XXXX
Product: Debt collection

Marine one has already picked up the trailer and keep going on my credit talking about miss payment when they pick it up before the day they said they would.
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. 
The inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Product: Credit reporting or other personal consumer reports

I paid a portion of my bill in XXXX XXXX and XXXX paid the reminder of the loan in full on XXXX XXXX and my account was still reported as XXXX late during that process I get XXXX to be consider late and my account shouldnt been consider XXXX after my due day which is the XXXX of every month
Product: Credit reporting or other personal consumer reports

Please see attached letter in attachments. This is regarding a hard inquiry pulled from XXXX XXXX XXXX  XXXX on my Equifax Credit Bureau file.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. 

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

Account names : 1. " XXXX '' # XXXX 2. " Contract Callers '' # XXXX 3. " XXXX XXXX '' # XXXX 4. " XXXX XXXX XXXX '' # XXXX These names have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
" XXXX '' # XXXX continues to harass myself and my family, causing undue emotional and mental damage despite numerous pleas to stop sending information and calling. 

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 XXXX '' - I do not recognize this debt and they continue to harass me every day. This is also not reported correctly because it's reasonable to believe that the spelling is inaccurate All of these collections are hampering my ability to obtain credit to start a business and help my family. I have been in therapy for over a year now because of this.
Product: Credit reporting or other personal consumer reports

I checked my credit report on Transunion, XXXX, and XXXX and found an inaccurate account XXXX XXXX XXXX on my credit profile. I requested for it to be removed due to inaccuracies. I also asked for an updated credit report and neither of those things took place so I am now asking again pointing out these very well inaccuracies with this Charge off account that is reporting on my credit profile that is now causing me not being able to purchase a house. I will attach a letter that will show the inaccuracies to this account.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

I have a mortgage wi th Ocwen Loan Servicing and i hav e always made my payments on time. I received a payment coupon in  XXXX  and it showed my payment was going from {$830.00} to {$1700.00}. I was not given a reason why the payment was going up. My wife spoke to multiple people  at Ocwen and found out the reason the payment was going up was due to a mix up with the insurance. Ocwen s upposedly got the insurance problem fixed and told me the  XXXX  payment was to be {$830.00} and that if I paid {$500.00} toward the escrow account my  XXXX  payment would be {$830.00}. I mailed a payment  to Owcen for t he {$830.00} which was cashed on the  XXXX  and now  Ocwen is tell ing me they never recevied that payme nt. Ocwen the n refunded me {$870.00} on  XXXX  the  XXXX  and are now telling me the  XXXX  payment was never received and are now reporting me delinquent with the credit bureaus. I 've got nothing but a run around with  Ocwen and just want to get this resolved as soon as possible. Ocwen has directed me to send a copy of the cancelled check that they cashed to their research department. I 'm just a fraid this process is going to take too long. They have already sent me a notice that they are going to foreclose if I do n't bring my account current.
Product: Checking or savings account

Over 2 years ago, Chase closed my account after I received a XXXX ( Not a loan ) for my XXXX XXXX XXXX XXXX in XXXX XXXX. After this, Chase asked for proof that I owned the business and that the XXXX money should have been sent to me. I provided this information via email to the Chase Executive team. Chased claimed that they are going to " send the money back to the government '' To this date, Chase has not done so. We are in XX/XX/2023. Chase has kept this money for over 2 years. I hired an asset forfeiture attorney to reach out to the government agencies that seize money. I have received letters back from the secret service that they never received any money from Chase and that there are no criminal cases against me. I, through another attorney received notice that Chase still has the money. I assume they are earning interest on this money. The government went through an extensive confirmation process before they gave my company this XXXX. Chase is and was trying to get the Secret service or FBI to make a case against me, so they could seize my money. They have not done so, because there is no crime committed. Chase has done this exact action to multiple XXXX recipients. The CFPB needs to start an investigation of all moneys unlawfully held by Chase. They need to look into all of the accounts that Chase has closed, without cause, but more importantly, why Chase is unjustly enriching themselves with money that was supposed to be used to make small independent business owners recover from the Covid pandemic. My business is a sole XXXX. The CFPB went after XXXX XXXX XXXX, for similar activity. Why is the CFPB allowing Chase to hold onto money, unlawfully for 2 years. Attached is the statement from the secret service that they do not and have not ever had money related to me. Also.. Do not let them lie and state that they never received the documentation, regarding the XXXX, because they did. They even confirmed receipt, via email. I attached that too as well as the approval email and application. But regardless, this is irrelevant as it has been 2 years. This is theft!
Product: Bank account or service

The TN Human Services department has all child support payments going to the XXXX debit card issued by Coamerica Bank and Elite. The card is also referred to as an XXXX. Each time you dial the customer service number on the back of the card, no one picks up ( Tried 5 times now and longest wait time so far is 1 hour, 15 minutes ) and a fee of {$.00} cents is deducted from the child support balance. Summed up, no one answers the phone, online access does n't actually allow you into the account and the app does not work. It keeps you in a perpetual loop of asking validation questions, without actually validating your personal info to gain access into your account. This is a rip-off. Once you dial in with your personal card info or social, it automatically deducts money from your account without providing an actual service. I 'd like to simply have my money direct deposited into my checking account versus this rip-off debit card w/ NO customer service at all.
Product: Checking or savings account

Since XX/XX/2021 to current I have tried to have erroneous charges reversed on my account as I informed the bank immediately of my data breech situation in which all my passwords on the World Wide Web and deep web were exposed and i further more that I was targeted as XXXX, XXXX and other online social media and platforms have informed me personally that someone gained access to my accounts based on location across seas, my XXXX XXXX was also compromised. I forwarded the bank all of my supporting back up making them aware that the police were contacted but to no avail. There is a unauthorized transfer also in made that i was not aware of and they denied the reversal of this along With provisional credits. To date both situations stand unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to all 3 major credit reporting agencies. ie ; XXXX, Equifax and XXXX, that I owe a balance of {$670.00}. The debt was sold to XXXX XXXX XXXX. I resolved the debt with XXXX XXXX XXXX, however XXXX XXXX is still reporting a balance of {$670.00} when the balance reported should be {$0.00}. 

I have contacted XXXX XXXX several times. I have talked to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX since XX/XX/2023, all 3 promising a removal and a balance of {$0.00} and nothing has been done since then. Also all 3 people promised a call back and email response within 72 hours and none of them delivered on this promise.
Product: Credit reporting or other personal consumer reports

I have several inquiries that shouldnt be on my report. I received a letter from the credit card company that agreed they were fraudulent. They informed me they asked the credit reporting agency to remove them and Trans Union hasnt removed them. XXXX shouldnt be there nor should XXXX or XXXX which are under my account reviews yet I dont have either one of these cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person ....
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. 

Account name : 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 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. 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: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the same account on my credit file with XXXX, Exuifax and XXXX. The account was opened in XX/XX/XXXX. It was paid off in XX/XX/XXXX per my notarized lien release affidavit. I credit reporting agenices still have it on my credit report with a balance of {$540.00} and listed as a Charge Off. This has also me very damaging to my credit report since XX/XX/XXXX and harming me in my ability to obtain credit, good rates and a mortgage. I have sent notarized copies of paid off account from the original account holder. The credit agencies claimed they did in investigation, but didn't provide me the information from the investigation. The account is now almost 7 years old on my credit report, and they still wont remove it.
Product: Money transfer, virtual currency, or money service

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXX/XX/year> {$2200.00} XXXX XXXX XXXX XXXXXX/XX/year> {$5300.00}
Product: Credit card or prepaid card

Wells Fargo Bank not only used my information to open/close 14 stray accounts under my social security number and/or credit number known by the 3 credit reporting bureaus, making it a part of Wells Fargo 's multi-million dollar Cross-Selling scandal. They closed a charge ( s ) unauthorized, activities account and left me with fees steadily accruing after alleged closure and inactivity date ( s ). My credit is fine, have a few derogatory items to worry about  from prior to, two years account activities, for respected account ( s ). The only reason they could find for denial and an adverse action  is, " Previous Wells Fargo checking or saving accounts not maintained as agreed. '' Granted by, otherwise denied, paid/repaid, authorized Wells Fargo overdrafts. This has been the denial since my first credit/bank account opening attempts in XXXX. I feel that this is illegal and discriminatory in action, like Wells Fargo not granting account immigrants accounts because of discriminatory reasons. It might be due to their discriminatory actions against XXXX or XXXX borrowers, such as the lawsuit discussed in XXXX XXXX Wells Fargo 's scandals in the past reporting 20 years. In XXXX. XXXX they flunked community lending. They will not overturn/overlook this decisive action. All I need them to realize, is that I can and am financially capable of handling, any/all, of my credit accounts show pos. payment history for last two years on all accounts and XXXX balance on closed accounts. Please remedy this situation with extreme hastiness as Wells Fargo needs to just quit discriminating and taking advantage of people, approve of my application and let go of derogatory information about me, on an internal level unless it's going to be public to me? But how when there's no records of previous account activity for any of my Well Fargo Bank Accounts ' previously and possibly fraudulently  opened without my knowledge.
Product: Credit card or prepaid card

This account has been open fraudulently. Im victim of identity theft. This account is affecting my credit.
Product: Mortgage

XXXX around for a mortgage for potential new purchase in XX/XX/XXXX. Contacted Rocket mortgage XXXX XXXX XXXX, for rates and informal pre qual. Never did get rates ( was looking for XXXX XXXX ) and provided preliminary info on my quals. We had not decided to go with Rocket and was in the inquiry stage. 

XXXX said she could do a soft pull of my XXXX for pre qual. I explained to her that because we had a fraud alert that our XXXX 's were on the XXXX XXXX we locked all our credit reporting accounts. We arranged a phone call whereas I unlocked my XXXX. During the phone call she surprisingly told me that she needed wife XXXX 's XXXX unlocked also. As this was not known ahead of time and wife XXXX was away from the house at the time, did not have her XXXX unlocked. XXXX would not process further, became XXXX, and seemed to want us to fully apply for a loan before just doing a courtesy pre qual ( with information provided on email XX/XX/XXXX ). Note this included a screen shot of my XXXX XXXX score XXXX, excellent from my XXXX credit journey which is powered by XXXX. We terminated our inquiry with XXXX and Rocket Mortgage and I called their office and filed a complaint against XXXX. 

Got a letters from XXXX XXXX Rocket dated XX/XX/XXXX, denying processing of loan due to XXXX XXXX, referencing source some XXXX XXXX XXXX, XXXX  First, we terminated Rocket, not XXXX versa, the letter is bogus as we have excellent credit. It appears to be retaliation from disgruntled employee XXXX for having complained about her.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX bankruptcy on my credit report that still has not been removed. I DID NOT file for a bankruptcy on XX/XX/2021. At this point, Equifax is going against the fair credit act, by keeping false information on my report. And defaming my name. Remove this inaccurate reporting immediately.