23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX with Bowen & Associates ( XXXX ) has called multiple times to all the phone numbers under my phone line looking for someone who is not me and has also text a phone number under my phone line during his collection practices. He has threatened legal action, is abusive in language and when asked to not call again, stated he does not have to comply and will continue to call me. He advised he does not need to comply with a verbal cease. XXXX also admitted to why he was calling which is a direct violation of the FDCPA while doing skip tracing. He has violated multiple FDCPA regulations with his harassing and abusive collection tactics that are clearly not working in his favor.
Product: Vehicle loan or lease

Several consumer laws and regulations were violated in the finance process of the purchase of my vehicle. I have detailed and highlighted all of this in the attachments.
Product: Credit reporting or other personal consumer reports

I had a mortgage with XXXXXXXX XXXX. They sold my mortgage to Roundpoint Mortgage. This resulted in my credit report tanking over XXXX points. Both credit bureaus say this is normal and my credit should bounce back in 3 months or so. I do not accept this. I did not authorize or ask for my mortgage to be sold. If XXXX wants to sell my mortgage that is fine, but these types of transactions should not affect my personal credit score. That score is used for insurance rates, loan rates, etc. I should not be penalized for transactions that are beyond my control. This complaint is about XXXX and XXXX and how credit is reported. A mortgage being sold should reflect that way so credit bureaus can properly report. I shouldn't have to pay a higher rate on a loan because my score was showing low due to something completely out of my control.
Product: Mortgage

On XX/XX/year> i had asked to have my PMI removed they never sent me the forms so i then contacted them again i think it was XXXX about it again this time they sent me the forms i sent them in with comps and the fee they asked for the appraisal, Sometime went by so i called and the agent checked and said the PMI was removed and that i will be receiving a letter but the hurricane came and right after they told me they needed to send someone to take photos so they can make sure nothing was damaged. Well they sent someone to appraise the home again without them letting me know that was what they were doing. then i can about a week or two later and told me let me check they then told me that the PMI was reinstated but that it was removed in XX/XX/XXXX and they was not sure why they did that. I then told the agent that you can not remove a PMI then reinstate it after it was removed, they did not know what to say and i have been trying to have them remove it. then i received a letter from them and it said in order to meet the loan to value to remove the PMI that you need to pay this amount so i dis and still they did not remove the PMI i have even told them that we now want to pay our own property taxes and homeowners ' insurance, and they ignore everything i say. this company who knows who else have they been doing this to as well. Also my husband is a XXXX XX/XX/XXXXXX/XX/XXXX, and he has been getting sick he wants to sue them and have their business license taken away from them for deceptive practices.
Product: Credit reporting

Fair collections and out have reported inaccurate information to experian, this information has caused serious damages to my lifestyle. I have sent proof that this information is inaccurate but experian refuses to delete this account. I am being charged for living in an apartment from XXXX/XXXX/15 to XXXX/XXXX/2015 after my lease ended. I have sent proof that shows that this information is inaccurate. I have attached copies of proof that we ( XXXX XXXX and I ) moved and signed new leases on XXXX/XXXX/2015. This needs to reviewed and corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported XXXX Commenity Bank to CFPB in XXXX regarding their Unfair Business Practices and am now being retaliated against as a XXXX XXXX American Female, as a prior debt owed to XXXX Comenity Bank was Settled in XXXX and have since made a payment to Settle the debt as was so stated by their Collection Agency XXXX XXXX via XXXX XXXX XXXX which was Paid and Settled on XX/XX/XXXX and was informed that our Credit Report would be Updated to reflect the account has been Settled and has still been illegally reported on all 3 of my Credit Reports in an effort to retaliate against XXXX XXXX-Americans and these inaccuracies should be removed from my 3 Credit Reports immediately, as it negatively impacting our family with obtaining credit and resources to help us navigate during this Global Economic Crisis with COVID-19. This is also another form of systemic racism and oppression towards XXXX XXXX-Americans in the United States and should not be tolerated by an Corporate Entity. It is against the law to oppress U.S. Citizens and further treat XXXX XXXX-Americans as if we are in Slavery with the Oppressing Economic tactics exuded by various Credit Entities and Corporations in the U.S. in a sole effort to restrict Access to Capital because of the blatant, discriminatory, and retaliatory tactics.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the deletion of inaccurate information from my [ credit report/account/profile/etc. ] with your organization. 

Details of the inaccurate information are as follows : Reason for Inaccuracy : XXXX LATE PAYMENT ON FILE XX/XX/year> TRANSUNION LATE PATYMENT ON FILE XX/XX/year> I AM requesting the deletion of the inaccurate information from ALL XXXX CREDIT BUREAUS Thank you for your assistance in rectifying this issue. 

Sincerely, XXXX XXXX
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 {$1800.00}, {$0.00}. 
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 ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

I received a call from rocket mortgage asking if I was intrested in a XXXX mortgage/line of credit. She had my information and my wifes, i do have a mortgage with them. I told the girl I was not intrested and was all set. She wouldn't shut up about it so I hung up on her. 
The next day, my wife calls me asked if I took out a 30 year mortgage with rocket mortgage. We only have 5- 6 years left. I did not, now I'm getting nervous thinking I scammed. I go on my rocket mortgage app and there it is, a 30 year mortgage with a loan number. I call up and they are telling me it not a actual loan yet and the call I got was real too. I tell them this XXXX XXXX and I want to escalate to a manager. XXXX XXXX XXXX XXXX I told them about the call, I want it off my my rocket mortgage app and not to call me. I'm glad I took a screenshot, it was gone after I hung up. It's deceptive and my heart dropped thinking I somehow got scammed.
Product: Debt collection

Recovery portfolio associates llc, is not licensed to practice in NY as per NMLS resource database. I had XXXX balances that were outstanding for over 5 years and I paid it. Id like to dispute this case with the company if its possible
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 violates 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 process 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Acct # 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: Mortgage

Mortgage payments have been on time since XXXX, mortgage servicer transfer occured in XX/XX/XXXX. SPSS now the new servicer is unable to assist by reapplying funds which have been sent on time and ahead since before the transfer of the mortgage. Now instead of paying ahead, it looks like I am behind now on my payments, and the mortgage principle appears to be off as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Inquires Names : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I have contact Transunion numerous of times to remove the above inquires from my credit report due to unknown account accounts and transaction. Transunion continues to report this false information and fail to provided me with proof these inquires account are indeed mines. Remove immediatley.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a COVID 19 hardship, I requested a 90 Forbearance on my mortgage loan with LoanCare LLC beginning XX/XX/XXXX and ending XX/XX/XXXX. My account was current as of XX/XX/XXXX and I have made my XX/XX/XXXX payment. I have been approved by LaonCare LLC for payment deferral of the three missed payments. 

LoanCare is reporting my loan as DELINQUENT to XXXX   and XXXX which has severely impacted my credit score! My account was current before the Forebearance and is now CURRENT and the CARES ACT prohibits mortgage companies from negatively reporting accounts that have requested forbearance because of a COVID 19 hardship. 

LoanCare says they will " look into it '' but it may take as long as 30 days to review. This is UNACCEPTABLE!!! My credit report and credit score are being held hostage by this company and they refuse to address it! I have spoken to no less than 12 people over the course of the last 10 days with no assistance.
Product: Credit reporting or other personal consumer reports

I provided the company with a copy of my credit report and advised that they have an account with an open date that is not accurate with all bureaus. I asked that they remove this information and I provided proof, and the bureau still confirmed as accurate. This is a violation of the FCRA. 

This account is also being reported by 2 different companies. This is a violation. 

Account : XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response to my previous complaint that the accounts listed on that complaint came back verified. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. FCRA states that information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. You have been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not deleted from my report. Please do not update or verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contracts and physical documentation to support the information that is being reported on my credit report via mail. Screenshots and statements will not suffice. Please send my actual signature on a contract as these accounts are not mine. I am in the process of planning a legal case, so I need specific answers to what was asked of you in this complaint. Please provide your method of verification for the below accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX : learned that my checking account was overdrawn due to inadvertently making XXXX credit card payments to the same card in XXXX month. 
After speaking with a representative from Chase, they advised to not do anything. When the demand for payment shows insufficient funds in the checking account, it will go back to Chase and you will be able to pay the amount the following month when the funds are available. And DO NOT TRANSFER FUNDS FROM ANOTHER INSTITUTION TO ACCOUNT FOR THE SHORT FALL. 
XXXX. Learned that checking account was overdrawn again due to Chase again requesting payment. On XX/XX/XXXX the Chase Rep said nothing regarding Chase sending a second payment request. This week, there were several checks sent out to various merchants, my assumption being that Chase was not going to make a second attempt for payment. The result, several overdrafts, due to insufficient funds. I again contacted Chase, regarding this matter and was once again informed to let the checks bounce, because transferring funds into our checking account would confuse their system. 
I am seeking reimbursement for overdraft fees, resulting from following the Chase Representatives advice. Also Im concerned regarding how the merchants will view my ability to pay their statements in the future due to the overdrafts, additionally how this may impact my credit score going forward.
Product: Debt collection

Used XXXX to pay for something, using my XXXX credit card. Thereafter, I received a letter advising that I had been accepted for a XXXX credit account. I responded on line that I did not want the account. I received an invoice today showing I now owe over {$1100.00} for a {$990.00} purchase I made in XXXX. No such purchase was ever made. Tried calling listed XXXX account phone number and could not contact a human. Recording stated, " We are unable to verify your account. Please state your full Social Security number. '' Sounded scam like. Checked my credit reports and found Synchrony/XXXX account listed showing late fees and no payment. Totally not legitimate,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a long time since I started disputing my Credit File in hopes of having the fraudulent items be completely removed from my Credit File, however, the Credit Bureaus have done nothing despite the consecutive, multiple disputes I have been submitting. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to send me copies of proof of verification and or copies of proof of ownership or any documents bearing my signature but up until now, the Credit Reporting Agencies have never sent me anything related to my dispute. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they remove the disputed accounts and information that resulted due to identity theft. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX  XX/XX/2022. Also, the Credit Bureaus have been claiming that the disputed items belong to me without sending me copies of documents that I have been seeking. This action of the Credit Bureaus is a clear violated of a consumer 's rights in under the Fair Credit Reporting Act. I have informed my legal aides regarding this matter and they are willing to help me deliver this case to a federal court. If it is not too much to ask, please remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. 


Enhanced Recovery Company - XXXX XXXX XXXX XXXX XXXX, Florida XXXX - XXXX XXXX  XXXX XXXX XXXX, Illinois XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi, There was a fraudulent transaction on my Bank of America travel rewards credit  card for {$180.00} by a merchant with name of " XXXX XXXX XXXX '' on XX/XX/XXXX. I was in XXXX  at that time, but i went nowhere near the XXXX XXXXXXXX XXXX or stayed there. So this was obviously a fraudulent transaction. 
Upon noticing the charge, I contacted XXXX  XXXX XXXX and asked about this charge. I got written confirmation from the hotel that they never made this charge and don't recognize it. They also confirmed that they never have a reservation under my name. 
Since this was obviously a fraud case, i filed chargeback with Bank Of America. After investigating for a month Bank of America ruled against me quoting that " either signature or pin was used in the charge, so it is not fraud ''. There is no pin on the credit card and I am sure I never signed anything. Bank of America did not even contact me as part of the investigation. 
Upon receiving this decision, i contacted Bank of America and reopened the dispute. Again they started investigation, but after a week of not even a single contact with me, they again ruled against me saying that they stay with their original decision. 

I felt very cheated. If Bank of America is investigating a fraud, why is that they are not even contacting the customer to see what evidence I have. Plus saying that either a pin or signature was used, which could easily be investigated and found to be false, is clearly a measure taken by the bank to descredit the customer and save themselves the hazzle of recovering this money or writing it off. 

Big banks like this should not be allowed treat customers like dogs. They should be held accountable to their policies of protecting their customer from fraud.
Product: Mortgage

This is a follow up to our attorney 's response regarding complaint # XXXX. ( see attachment ( Exhibit XXXX ) Exhibit XXXX contains certified receipts that contradict PNC 's assertion the documents were not furnished timely to loss mitigation in XX/XX/XXXX and XX/XX/XXXX. Exhibit XXXX provides a complete tracking of all activity through XX/XX/XXXX. Not the XX/XX/XXXX submission was documented, but we are not able to provide the dated fax. References to XXXX XXXX are documented by their own tracking of their activity when they represented us. 
PNC also asserts that we would not allow appraiser on our property. That is incorrect. First, these were realtors seeking to perform a market analysis. Second XXXX realtors were denied access our house because they would not identify with whom they were working. An additional realtor ended the property under false pretense stating she was showing the property., but actually performed a market comparability calculation. 

Exhibit XXXX contains public records of mortgage filings pertaining to our house. XXXX filing was the construction loan. A concurrent filing was made for our XXXX construction loan. At the time construction was complete, we expected a permanent mortgage to be issued. There is no such filing. We also expected conversion of the XXXX construction loan to a home equity loan, which is shown in public record. Neither of the first and second construction loans were removed from public record. to this date. Even our judge in foreclosure proceedings finds this unexplainable. 

Exhibit XXXX contains final mortgage calculations provide by the opposing attorney in foreclosure proceedings. It shows the original construction loan and the construction loan balance after payments were made. The documents purport to add costs of extra features to the construction loan balance. Instead, when you do the math, they add the extra cost to the original construction loan to derive the mortgage amount. We were overpaying principal and for approximately 8 years. 

Exhibit XXXX contains our credit rating information. Our credit ratings were perfect prior to losing my job. Based on information provided by PNC Bank an PNC Mortgage our credit rating is weak to fair. The reasons stated by the credit agencies are that our house is repossessed and foreclosed. This is not true. We are living in and maintaining our house while in being loss mitigation for over 4 years. I have tried unsuccessfully to correct this misstatement. The credit agencies also report based on PNC ' information that they have written off the home equity loan. Yet, PNC Bank has sent XXXX collection agencies to try to collect. PNC fails to provide the agencies the fact the Bank loan is subservient to the Mortgage companies loan. This is the situation our lawyer questioned in the rebuttal to PNC 's first response. It does not make sense that a primary lender approves a deed-in lieu of foreclosure, but the junior lender denies the senior lender the ability to follow loss normal mitigation procedures.
Product: Consumer Loan

I purchased a XXXX XXXX almost three years ago for {$17000.00} plus taxes. I put {$4000.00} down and paid on time. I missed one payment but have been paying more to try to make up for it. Our payments are {$390.00} a month and have so far paid at least {$12000.00} in payments. We keep getting hitting with outrageous interest and charges. For the past year we have been paying, they keep saying we owe more than {$12000.00}. There is something that they are doing that is n't legal. Please look into this because I feel we have been taken advantage of.