23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I came to XXXX to see my options for getting my mortgage payment decreased. They recommended Quicken Loans. I submitted my info through XXXX XXXX for Quicken Loans. After a few phone calls of no QL ca n't help you and then 1 yes, QL can help, I decided to listen to my options. I was told if I refinance my mortgage my mortgage insurance would not be included, my rate would go up, but the monthly payment would decrease ( because of the MIP ). I was told this several times by this same associate. At closing he assured me within a 6month time frame the mortgage insurance premium would fall off and I would see even more drop in my monthly payment. A year later I 'm fighting with QL because of what I was told. They are not holding up to what I was told. The calls are being recorded for " quality and training purposes '', however when I wrote a formal letter to their corporate office, I was told none of the calls could be found. They told me what I signed for ( saying my FHA loan has to have MIP for 30 yrs or until I refinance ), and told me I could refinance to have the MIP removed. I advised QL this is exactly what I was told when I switched from my previous lender to quicken loans. I DO NOT recommend quicken loans, their employees get paid to say whatever they need, to meet some kinda quota. QL are not XXXX or XXXX XXXX so no gov't agencies will assist with complaints or anything. I now have a higher interest rate and pay the same amount I paid with past lender. I lost my job, needed help with smaller payment and QL is doing nothing. I have n't missed a payment, I just wish I could find another lender.
Product: Mortgage

XXXX XXXX XXXX XXXX husband XXXX XXXX and she has been trying to deal with all of the things that he took care of that she did not know about. She is a XXXX XXXX and has gone back to work full time. 
She has submitted at least 30 modification packages to Caliber Home Loans with a never ending list of more and more documents. Before XXXX XXXX XXXX, the loan was in good standing. 
She is now facing a foreclosure sale date on XXXX XXXX, 2017. 
Caliber Home Loans refuse to work with the homeowner. Caliber Home loans refuse to help her. She has money saved to pay on her mortgage if she need a faith payment she is ready. She is financially able to pay her mortgage each and every month. 
This home is all that she has of the life that she once knew before her husband XXXX XXXX 

Please help her.
Product: Prepaid card

I was to receive a direct deposit for {$370.00} on XX/XX/. The direct deposit was from my employer XXXX XXXX XXXX. My employer has confirmed that Bluebird received the direct deposit. I have not received the direct deposit and spoke with a rep from Bluebird Amex who spoke broken XXXX and said nothing he could do. I will be closing my account but want the funds that this company has received and not applied to my account which is against their Terms and Conditions Agreement. You can not even contact their customer service except through phone calls then get a rep who you can't understand. Poor poor poor
Product: Payday loan, title loan, or personal loan

Intrest rate is over 700 %. 
I was not told the intrest rate. 
Requested automatic payments be stopped. Gave 48 hours notice. 
XXXX. 
Original Loan Amount {$1000.00}. As of ( XX/XX/2020 ). {$1300.00} paid.
Product: Credit reporting or other personal consumer reports

I closed my XXXX credit card on XXXX The account has been reporting wrong for the past two months! Its still reporting open, still reporting a high utilization and as of XXXX  a late payment was reported! This has damaged my Experian credit score! At the time of my account closure on XXXX  my payments were current and not late! I have disputed three times with Experian and they say XXXX says its open! But when I contact XXXX they send me emails confirming the account closure date and I send that to Experian and nothing gets fixed! I was denied an apartment due to this error hurting my credit! I just get generic responses from XXXX  customer service or they deflect the issue!
Product: Prepaid card

This gift card was bought as a XXXX present but sat laying unopened in my safe for a while until I was ready to use it but when I checked the balence I seen it had already been used
Product: Mortgage

I am the Executor of the Estate. The Estate had a reverse mortgage with Lender/Servicer XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. In XX/XX/XXXX XXXXXXXX XXXX XXXX DBA XXXX XXXX requested the courts for a petition substitution from them to Mortgage Asset Management in which was granted. 

The Estate didn't receive a Notice of Transfer of Ownership that's required by federal law. ( 15 U.S. Code 1641 ) requires the new owner to send this notice within 30 days of the mortgage sale. 

We also didn't receive notification from mortgage servicer XXXXXXXX XXXX the change of hands, to new servicing transfer within15 days before the date the new servicer takes over. The new servicer PHH Mortgage Service didn't provide the Estate with a notice within 15 days after they take over the account. 

Representatives ( XXXX XX/XX/XXXX and XXXX XX/XX/XXXX ) from PHH Mortgage stated, " they weren't given any Probate or Executor information. '' Which is untrue all my information is on court documentation/proceeding request. 

They are clearly violating our rights under the Real Estate Settlement Procedures Act ( RESPA ), the Truth in Lending Act, and federal laws on banks by not providing documentation showing their legal rights of ownership to collect the debt or what is owed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD  RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$2400.00} written off. {$2100.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$2400.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Credit Limit - Highest Balance {$5700.00} Terms NA On Record UntilXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have an account with Grain. I wanted to check the balance because at the time I was going to pay the account off. On XX/XX/XXXX got an email that they need to verify my ID. I submitted my info and haven't heard back since. Now I can't log into the account, and I can't see my balance but they faithfully withdraw money from my account.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Improper Reinsertion of Deleted Account XXXX XXXX XXXX Dear CFPB Representatives, I am writing to file a formal complaint against EXPERIAN for the improper reinsertion of a previously deleted account into my credit report. The account in question is XXXX XXXX XXXX, which was removed following a successful dispute and has now been reinserted without complying with the requirements set forth under the Fair Credit Reporting Act ( FCRA ). Details of the Violation : 1. Failure to Provide Required Notification : Under FCRA Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify me in writing within five business days of reinserting any previously deleted account. I have not received any such notification regarding this reinsertion. 2. Lack of Verifiable Documentation : The FCRA also mandates that any reinsertion must be supported by verifiable documentation from the information provider. To date, no such documentation has been provided to me. 3. Violation of Data Accuracy Requirements : Under FCRA Section 623 ( a ), information furnishers are required to ensure that all reported data is accurate and complete. In this case, the information appears to have been reinserted without proper validation or correction. 4. Failure to Meet Permissible Purpose Requirements : Under FCRA Section 604, all information included in a credit report must meet a permissible purpose, as well as be valid and relevant. The reinsertion of this account does not comply with these provisions. 5. Lack of Transparency : Under FCRA Section 609 ( a ), I am entitled to receive all information used to justify the reinsertion, including details of the source that provided the information and any proof of validation. This information has not been disclosed to me. Personal Impact : The reinsertion of this account has negatively affected my credit report, lowering my credit score and limiting my ability to access financial products. Additionally, this situation has caused undue stress and inconvenience due to EXPERIAN failure to comply with the law. Requested Action by the CFPB : 1. Investigate the improper reinsertion of the account XXXX XXXX XXXX. 2. Require EXPERIAN to immediately and permanently delete the account from my credit report. 3. Ensure strict compliance with the FCRA, including the obligation to notify and provide verifiable documentation before any future reinsertion. 4. Take corrective actions against EXPERIAN to prevent such occurrences in the future. I have attached copies of relevant documents, including : A copy of my current credit report showing the reinserted account. Previous correspondence related to the dispute of this account. Evidence that the account was previously deleted. I appreciate your attention to this matter and look forward to your prompt response and resolution. I am available to provide any additional information needed during your investigation. Sincerely : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and disappointment regarding my previous dispute of fraudulent accounts on my credit report, which was recently rejected by your agency. However, I respectfully disagree with this decision and am continuing to dispute these accounts due to their fraudulent nature. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. You are not in the position to make determinations regarding material facts. You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 
The following accounts are the ones I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was checking my accounts and noticed my Chase checking account I have had for around 20 years was at {$0.00}. I began looking at the account activity i noticed the account had been emptied by a miscellaneous debit for the entire amount of checking account. I called their customer service department to find out what was going on and they only would say that they were closing my account that I haven't touched in about 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4500.00}, {$4600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi. On the XXXX  of every month I receive XXXX benefits.On XX/XX/2020, someone took XXXX dollars out of my U.S . DIRECT Express debit card.I am still upset over it. I contacted them and, gave me the runaround.I have no idea how they did it.Please help me.Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXXXXXX Balance : {$0.00} SXXXX XXXXXXXX Balance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXXand XXXX XXXX XXXX XXXX onXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address on my XXXX  account is wrong, this is hurting my opportunities and I got denied for an application due to my address not being able to confirm my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX I need this to be corrected immediately This are the current addresses on my XXXX report : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX they are all shown wrong I expect this to be handled as soon as possible as my quality of life is being affected by this and I am being denied credit for this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX Credit Report and Information Dispute Dear Sir/Madam , I am writing to file a formal dispute regarding inaccurate information on my credit report, as provided by Experian, XXXX, and XXXX XXXX I have previously attempted to resolve this matter directly with the credit bureau but have not received a satisfactory response. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to rectify this issue. 

I have identified the following inaccuracies on my credit report : such as incorrect account information, inaccurate payment history, or mistaken balance. 
I believe these errors have negatively impacted my credit score and overall creditworthiness. It is crucial to address these inaccuracies promptly to ensure fair and accurate reporting. 
I kindly request that the Consumer Financial Protection Bureau initiate an investigation into these matters and take the necessary steps to correct the inaccuracies. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S 1681 they are required by federal law to verify through the physical verification of the original signed consumer contract, I have not received any physical form of proof. I also understand that you have the authority to enforce compliance and ensure that the credit reporting agencies maintain accurate and fair reporting. 

I also request that you inform me of the progress and outcome of this investigation. Additionally, I would appreciate any guidance or assistance you can provide throughout this process. 

I am also informed that there was a major breach by one of this agency employees who sent personal information and details to a personal email account. Proper actions was not taken and my personal information may have not been destroyed or deleted. 

Thank you for your attention to this matter. I look forward to your prompt action in resolving these inaccuracies. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/year>
Product: Student loan

I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. At the end of the Fall semester in XXXX, I spoke to a counselor, about discontinuing my enrollment, because my grandmother and mother were having serious issues with their house, that was in the flood zone of XXXX. I was told by the school that I could register for the semester, and if I had to withdraw because of XXXX that my costs would be covered, and my transcript would reflect the mitigating circumstances. Well, I was forced to withdraw, and move back to XXXX XXXX to help with clean up and to rebuild, and now the VA says I owe the money for withdrawing. Also, there is no mention of mitigating circumstances anywhere on my transcript. I attempted to go to the school, but the building was empty, and when I tried to contact the school, I found out that they had changed locations, and none of the same people were still there, and I was told that there was no record of them having talked to me about mitigating circumstances. I was also told that the school would soon be closing for good. When I was told that I could withdraw without penalty, the counselor also told me that my Post XX/XX/XXXX GI Bill wouldn't cover another semester after the Winter of XXXX, leading me to believe that I could not graduate anyway, which strongly affected my decision to withdraw. 

I have since found out that I had enough left of the GI Bill to cover another semester, but I can not find ANY schools that will take any of my XXXX credits as transfer credits. When I apply for jobs, I am laughed at when they get to the XXXX part of my resume. I have been told by several former classmates that they are also having the same problems, and we all remember being promised that all of our credits would transfer to any other accredited school, and how XXXX students were among the elite, and super successful, like XXXX XXXX. I feel like I have been lied to, manipulated, and taken advantage of, and feel like I have no recourse. I feel like my time at XXXX was a waste of time and money that I will be paying for, for decades, and now that the school is closing, I will never even get a degree.