23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I obtained a 30 year variable conventional mortgage from First Citizens Bank and XXXX XXXX on XX/XX/XXXX. The First Citizens representative never asked me if I would qualify for a VA mortgage. Had she done that, I would have opted for that ( VA ) mortgage instead of the XXXX I wound up with. What I found out after obtaining the conventional mortgage was that included in the monthly payments would be a PMI of {$120.00} per month. If I had the VA mortgage there would not be any PMI at all. I feel that First Citizens should have told me about the VA mortgage instead of just telling me about the conventional XXXX. 
It was not until I spoke with an agent from XXXX XXXX in XX/XX/XXXX that I was made aware of the fact that I should have a VA mortgage instead of a conventional XXXX. Since that time I now have a 30 year VA mortgage with a fixed rate which does not have any PMI attached to it. My complaint is should I get reimbursed for the years of PMI which I was paying due to First Citizens failure to inform me about the VA mortgage. 
What makes matters worse, is that the original mortgage was sold to XXXX XXXX XXXX which eventually folded and XXXX picked it up. XXXX has sent me a letter stating that they are not responsible for the PMI problem because they, " Did n't originate my mortgage loan ''. 
I hope that my explanation of what transpired will be sufficient for you to help me out with this problem.
Product: Credit reporting or other personal consumer reports

I have made several attempts to get this fraudulent account off of my credit report XXXX XXXX from my understanding someone applied for a loan online using my information it was on all three credit bureaus now its just on Equifax. Equifax has taken this off of my credit report on two different occasions, and continuously to keep putting it back on there I do not have the money to do so, but now I have to file a civil suit in order to get this taken off of my credit report. I am very big on my credit. I pay my bills on time I pay my credit cards on time this is not my account. This account is totally fraudulent and I need it off please and thank you.
Product: Mortgage

During the past two years I have had repeated problems with Ocwen Loan Servicing, LLC regarding accusations of missed or late payments. I am again facing the threat of " Adverse credit reporting '' and " Further collection activities. '' The harassment is unrelenting and comes via frequent ( monthly ) postal mail, and daily telephone calls. 
When I have talked to Ocwen representatives, my concerns have never been addressed. 
There have been times when I have made the extra payment just to get them to stop the harrassment. I can not afford to keep making extra payments which seem to never be properly credited to my account. I just did an audit of my bill pay records and I have not missed a single payment. Nevertheless, Ocwen is harassing me about a missed payment in XX/XX/XXXX. 
I have spoken with legal council, but the first step he wants to take is to have me pay for a forensic audit as well as his fees ... this I can not afford. The original loan was made in XX/XX/XXXX and to date ( 12 years ) the outstanding principal has only decreased by a minuscule amount on what is supposed to be a 15 year loan. Additionally, I am being charged an exorbitant interest rate ( 8.87500 % ) with credit scores in the 750+ range and no record of ever being late with any of my payments. I need immediate relief from the unrelenting harassment that happens every few months when Ocwen arbitrarily accuses me of missing a payment. Please help in whatever way will remedy this situation.
Product: Credit card or prepaid card

The Apple Card and Goldman Sachs provide statements that are confusing and make no sense. A charge appeared on my XXXX, XXXX statement for {$430.00}. I contacted the Apple Card support on XX/XX/XXXX to dispute the transaction. I received a response on XX/XX/XXXX which did not address the substance of my dispute. 
The Apple Card and Goldman Sachs seem to be engaging in deliberate obfuscation to confuse, mislead, and scam card users. There is no way to view a register with a complete detail of past purchases and payments. 
The explanation I received for my disputed transaction addressed my card balance from a few months later and was worded as follows : " Your balance is made up of card purchases and returns, payment activity, monthly installment due and any interest charges. Your total balance was {$180.00} plus purchase activity of {$0.00}, and payment activity of - {$72.00} plus installment due of {$37.00} plus interest of {$0.00} plus installment purchase of the current month {$0.00}, plus total remaining installment balance $ XXXX, which matches your total balance of {$37.00}. '' What does that even mean?
Product: Student loan

I have both Federal and Private loans with Navient. I began repayment in XXXX. I have had an ongoing problem with Navient constantly calling my phone at all times day and night up to XXXX XXXX. I have told them to stop and they do for a few weeks and continue. They also send me emails with reflecting the current payment. If its so much as 5 days late they send me emails showing the amount rising for the total of several payments progressively. 

My co-signer ( XXXX XXXX ) Contacted me in XX/XX/XXXX. He stated he saw I was making payments of {$80.00} towards the loan ( which is more than I was required to pay ) he co-signed for as well as the one I had on my own. Mr. XXXX called Navient and discovered they were placing the payments on solo my loan as it was the lower amount bringing up the interest and total balance of my co-signed loaned. What bothers me is that I sent checks via XXXX  XXXX XXXX to the two separate accounts. Navient took it upon themselves to place the money in toward the one account and raise the interest on the one co-signedhow is that fair anyway shape or form???. I called them and asked about this. The clerk I spoke to was evasive with answers. I told them I wanted a detailed breakdown of my Federal and Private loan accounts. I was told this was not a problem and they said they would mail it to me. I never received it. I suspect the same issue is going on with my Federal Loans as well. Navient is placing money and keeping interest by doing this making it an extreme hardship for borrowers. I would like this brought to your attention due to Navients recent criticism and allegations of illegal handling of student loans. I seek any and all relief due if available in the future. It is a sad state when corporations take advantage of people paying what they owe and trying to better themselves. If there was not an issue there would not be so many complaints about this corporation.
Product: Credit card or prepaid card

I am being sent the pre-approved credit card application multiple times. In this case from JP Morgan Chase. I applied for the card but received a letter that I am denied. At the same time after denial I still got another pre-approved invitation letter from JP Morgan Chase itself. 

This hurts my credit history and my chances of being able to apply successfully for another company. 

Attaching the denial letter and the subsequent pre-approved invitation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted several disputes to the credit bureaus and to no avail have I received a response from the bureau 's Transunion, XXXX and neither XXXX. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan Financial Services as, Washington Federal Secured Visa Services, Accepted Documented Faxes in an Account Tampering by, XXXX XXXX XXXX. XXXX XXXX is using this Ftauded Company Documentation not. to Pay a Claim.This is an Understanding for Frauded Contract Enforcement in a Review for a Law Enforcement Attorney.
Product: Debt collection

The date of service for the debt in question was on XX/XX/XXXX. Nothing was sent out as an attempt to collect this debt until late XXXX. On top of that I had no idea who this provider was because the lab that my doctor used was not authorized by me. They sent my lab work to one lab, XXXX XXXX XXXX XXXX, who then sent to a sub contractor lab, XXXX XXXX, without my authorization and ability to decide or judge any patient responsibility charges prior. When this hit my credit I called to resolve but they will only do PIF trade line which I appeal because I never authorized this to begin with. I tried to have recalled by the debt owner, XXXX XXXX, but they refused since it was " 2 years old '' even though they still own the debt in question not the collection agency. Their credit hit dropped my score almost 100 points for a {$210.00} bill from an unauthorized lab. 

The agency is XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Ph XXXX.XXXX.XXXX. Amt due XXXX from a letter dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report, and noticed i had a fraudulents accounts, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you. 



Type : XXXX XXXX XXXX  Status : XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX Closing Date : XX/XX/year> Asset Amount : {$XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$XXXX} Exempt Amount : {$XXXX}
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Product: Credit reporting or other personal consumer reports

Please see the attached dispute letter that was sent XX/XX/2024 which is dated, and time stamped addressing 2 accounts that are reporting inaccurately. The accounts in question are XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX  XXXX. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). XXXX and Transunion are reporting different dates for the date last active for XXXX XXXX XXXXXXXX. They were notified of this in the letter attached. I contacted the creditor, and they stated that the account was not verified, and all information being reported should be consistent which it is not. XXXX XXXX XXXXXXXX which is being reported by XXXX and Transunion is not accurately reporting. There are different balances being reported with a discrepancy of {$1.00} and the date last active is also inconsistent. The original creditor informed me that there is no balance of this amount, so I am confused why this information is being furnished. Due to non-compliance and obvious FCRA violations I am requesting that the aforementioned account are removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

What didn't you removed the hard inquiry despite the letters issued by XXXX XXXX  dated XX/XX/XXXX and XX/XX/2019, to you to remove the hard inquiry?
Product: Credit card

I have a credit card with Prosper Marketplace , Inc . The last time I purchased something with this card was on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I was charged {$52.00} for interest charge on purchases. I make a monthly payment that is on auto pay in the amount of {$100.00} and have never been late on a payment. On XX/XX/year> I made a payment in the amount of {$100.00}. 

In XXXX, I made a payment on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  I was charged {$55.00} for interest charge on purchases, despite the fact that I did not make any purchases in XXXX. 


On XX/XX/year> I made a payment in the amount of {$100.00}. On XX/XX/year> I was again charged {$52.00} and the charge was again labeled interest charge on purchases, despite the fact that I still have not used the card since XXXX XXXX XXXX XXXXXX/XX/year> I emailed the company asking why I am being charged interest charges on purchases. I have not made the company sent me an auto response stating they are working on getting back to me but they never did. On XX/XX/year> I sent them another email stating that I need a response due to the fact that I am being charged another interest charge on purchases fee when I have not used cards since XXXX. The company has failed to respond. 
I have not been given an explanation as to why Im being charged interest on purchases. Im not making. I would like to have these interest charges removed and refunded and possibly come to a resolution regarding closing this account since the company has proven to be unethical.
Product: Checking or savings account

This is a complaint about yet another case where Optum Bank effectively disregarded a CFPB complaint by providing a non-answer to clearly worded, legitimate question involving an issue that is impacting thousands of their customers. Instead of fixing an obvious programming error, the Optum Bank representative made false and misleading claims in their response, then closed the complaint. ( See complaint # XXXX. ) In response to an email from the Optum Bank rep, the complainant asked for the representative to call him to discuss the complaint to clarify the issue. No call was received. The complainant asked for the phone number of the representative but she did not respond to the request for a phone number at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no XXXX party involved. Regardless of the multiple written requests, the unverified XXXX accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the List of Accounts that are still reporting on my Credit Report and NEEDS TO REMOVED : XXXX ( Original Creditor : MARYLAND XXXX XXXX XXXX ) XXXX {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$4900.00} XXXX XXXX {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's, XXXX XXXX  told me they have been unable to report since XX/XX/2022 due to a new reporting system. I was told by TransUnion and XXXX to mail them my statements for manual updates. They failed to correct and insist they are verifying inaccurate information.
Product: Credit reporting or other personal consumer reports

On XXXX, I learned my SSN had been used for a second time to open a utility account in XX/XX/year> in XXXX Texas. A collection account was identified on my credit report with an amount totaling {$240.00}. The exact same thing happened in XX/XX/year> in XXXX Texas. Police reports were filed locally in Alabama for both instances and in XXXX for the second incident. During the first incident in XX/XX/year>, XXXX XXXX was not helpful at all and a police report was not filed. During the initial incident XX/XX/year> a freeze was placed with all credit bureaus, XXXX XXXX XXXX XXXX XXXX, and I also contacted XXXX XXXX. The same actions were pursued with both incidents.
Product: Credit reporting or other personal consumer reports

My Experian, XXXX and XXXX reports are showing late payements for XXXX XXXX XXXXXXXX XXXX XXXX for account number XXXX, my loans were in deferement and should not be showing 90 days past due during XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC XXXX. The following accounts are not accurate : XXXX  XXXX XXXX {$500.00} XX/XX/XXXX XXXX  XXXX XXXX {$470.00} XX/XX/XXXX XXXX  XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$700.00} XX/XX/XXXX NQUIRIES NOT RECOGNIZED CONSUMER XXXX  XXXX XXXX XXXX  XX/XX/XXXX Experian, XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX  XXXX, Used XX/XX/XXXX Experian, XXXX XXXX - XX/XX/XXXX Equifax 15 U.S.C, XXXX XXXX A . States I have the right to privacy. 15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C XXXXc ( 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 XXXX years. 15 U. S. C, XXXXs-XXXX ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My credit score has been negatively impacted as a result of this company, ARS Account Resolution Services, reporting debt owed to all three major credit reporting companies ( XXXX, XXXX, and XXXX ). 

To start off, I never formally received any letter from this company requesting this debt or showing any proof that this debt is valid. I was constantly receiving phone calls from this debt collector requesting me to pay off this debt. When I checked my credit report I realized that my credit score was drastically impacted by the collections reported. 

On XX/XX/2022, I sent a Debt Validation Letter to this company requesting them to provide proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. I was sure to include in the letter that for the purposes of 15 USC 1692 et seq., this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of their claims. This notice is an attempt to correct their records, and any information received from them will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. I advised them that I would be waiting for a response within 30 days from the date that they received the letter. The letter contained my first and last name along with my account number found on my credit report and my address. 

Per USPS Tracking, I found that they received the letter on XX/XX/2022, at XXXXXXXX XXXX. On XX/XX/XXXX, I received a letter from ARS Account Resolution Services stating that they received my letter but were unable to locate my account with the information that I provided. They requested that I send them additional information that may be helpful as well as a copy of the credit report showing the account in question. On XX/XX/2022, I sent them a 2nd Attempt Debt Validation Letter with all of the information that they requested from me. Per, USPS Tracking I show that they received this letter on XX/XX/2022, at XXXX XXXX. As of now, on XX/XX/2022, I check my credit report showing that they have not removed the collections on my credit report. I also have not received any validation of this debt whatsoever. As a matter of fact, they aren't even able to locate me in their system at all.
Product: Credit reporting or other personal consumer reports

TRANSUNION ALLOWED FOR UNAUTHORIZED/FRAUDULENT CREDIT INQUIRIES TO BE FURNISHED ON MY CREDIT PROFILE. DISPUTE LETTERS HAVE BEEN SENT TO THEM DEMANDING THE REMOVAL OF THESE FRADULENT INQUIRIES. UNAUTHORIZED INQUIRIES TO BE REMOVED : XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NOTICE SENT : FIRST NOTICE!!! As a federally Protected consumer/natural person I DEMAND these inquiries be removed! The information listed, which appears on my credit fi le, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s.code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ), 15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private consumer/natural person fi le to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the complicit companies under 15 u.s. code 1692k for damages.
Product: Credit reporting

Someone used my name to secure a student loan while I was in prison. I attempted to get each credit reporting agency to correct it but they refuse.
Product: Checking or savings account

I need you to send XXXX my updated transactions. Your delay is literally costing me money.