23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2018 I purchased a home with financing from Primary Residential Mortgage , Inc. headquartered in XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I used a local agent named XXXX XXXX. I did not want to take any money from my retirement to attain 20 % down and I was advised that I could get REFUNDABLE PMI. I agreed to pay {$7800.00} and was told that once I achieved the 20 % equity I could apply for a refund. I sold my previous home, I owned it outright and paid enough to qualify for a refund. Prior to making the payment I inquired as to how to handle the refund process and was told there was no refund provision. The loan had been sold to XXXX XXXX  and this was their position. I contacted PRMI many many times and according to XXXX XXXX everything would be ok as he confirmed our agreement for REFUNDABLE PMI. We actually came to the decision for this provision face to face at my home in XXXX, RI. My wife is a witness to this meeting. He does not respond to my inquiries any longer and I have not received any refund. 

this loan was sold almost immediately to XXXX XXXX. I contact them in XX/XX/2018 to inquire about the refundable PMI and they advised it was not effective.
Product: Mortgage

XX/XX/19 NOW THERE SAYING WE DEFAULTED ON YOUR CLOSING STATUS!!!!!! I NEVER ASKED TO GET RID OF MY HOUSE IM TRYING TO SAVE MY HOUSE I JUST SENT IN A NEW RMS FOR THEM TO HONOR THE OLD MODIFICATION FROM XXXX THEY SAID IT WAS CANCELED DUE TO THE NOTARYS SIGNATURE
Product: Debt collection

Credit Corp Solutions has violated my federally protected rights. Credit Corp Solutions Inc. has and continue to try to coerce me into paying an alleged debt. They contacted me after I asked them not to contact me again they even called a new number for me that they did not have my permission to call, they continued using obscene and propane language and threatened to put the account on my credit report if I did not make an payment or an arrangement which is an violation of the FDCPA. Credit Corp is in violation of the FDCPA and the TCPA and assume civilly liable. An invoice for the violations will be mailed to credit corp solutions principle place of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On William D Loan forgiveness. Interest is reported as balance increase butchering my score EVERY month! Ive called every year and told it would be resolved and it hasnt.
Product: Checking or savings account

My boyfriend and I moved in together last year and joined our insurances and created a joint food account, last XXXX including checking accounts, auto insurance and renters ' insurance. USAA was told to add me to the renters policy and now they are saying it's just in my boyfriends name. This is not not true or fair. They will not talk to me about it and are being very rude. Now I have to file a claim for stolen property and they are saying I'm not covered. I should have been on that policy since last XXXX and this should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer has sent XXXX XXXX of Equifax 3 separate presentments over 120 days about the inaccurate negative reporting accounts on my consumer report. I filed a CFPB complaint last week and they are saying it will take up to another 60 days. Equifax is in violation of 15USC 1692, 15 USC 1681 and 15USC 94 but they are also in breach of my Common Law Copyright Notice for continuing to commit fraud and not issuing a written apology as stated within.I am a private federally protected consumer with Rights and I DID NOT GIVE EQUIFAX PERMISSION to speak with a third party, release my information or add inaccuracies to my consumer report. I DENY Equifax 's request for an 60 days to reinvestigate and expect my demands to be satisfied IMMEDIATELY to prevent a lawsuit.
Product: Credit card or prepaid card

In XX/XX/ 2023, I called Synchrony Bank because they were adding late charges on my account when I had sent copies of my checks showing when the funds were taken out! I usually send both bills in one envelope but only one is posted! I made several calls regarding this, Supposedly, I spoke with a Supervisor the last time, and I explained yo her the problem and also that I had lost my husband. She not only decreased my account but also put 3 late payments on my credit report. I have NEVER been late with my payments. The XXXX XXXX advised me not to send both payments on the same envelope because it may get thrown away, and she said it did happen. When I some with whomever calling herself a supervisor she was very very rude. I tried to explain to her that I had just lost my hubby and was adjusting to a new lifestyle. My husband did not leave me destitute, in fact I am very well off. Why she ruined my credit is very frustrating to me! It is called Retaliation! I have several accounts with this bank and I have always paid on time. The mistake was send two or three accounts in the same envelope with checks, and the XXXX XXXX explained this to me. 
This so called Supervisor took it upon herself not only to decrease my credit limit, but also to put 3 late payments on my credit report!!!! If this is not taken off and corrected along with my credit decrease, I intend to SUE this bank and I will win. I have all of my bank statements etc. I am taking this very seriously because I have money to pay my bill, and for this person to deliberately ruin my credit is FRAUD!!!! 
I sent in copies showing where my payment were posted on would post and the other was not!!! Not my fault. This needs to be corrected ( the late payments ) or will will go to court!
Product: Credit reporting or other personal consumer reports

I never opened this account. I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 


No Response from company 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 Remarks Account information disputed by consumer, meets FCRA requirements Completed XX/XX/2023 Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Product: Mortgage

In the end of XX/XX/XXXX, XXXX XXXX company changed my monthly payment from {$680.00} to {$1100.00}, stating a negative escrow account. Due to my monthly pension and social security income, i was unable to afford the forced {$1100.00} payment. At this moment, i am receiving mortgage statements asking for reinstatement amounts of {$47000.00}. Ocwen has added forced insurances, fees, and have rejected my {$680.00} payments by returning them. During this same time, i received a debt cancellation of {$220000.00} which is shown as a shared appreciation-principal reduction on my mortgage statement. Ocwen has also changed the {$1100.00} payments to {$740.00} over the years on my defaulted payment account which is false because they never offered me the option to pay {$740.00} instead of the forced {$1100.00}. I am now in foreclosure, Case No. XXXX, which was on hold due to Motions sent to the circuit court of the XXXX judicial circuit  for XXXX   county Florida. Motions were sent to the plaintiffs in XX/XX/XXXX and XX/XX/XXXX. We have just received a Motion For Summary Final Judgement Of Foreclosure on XX/XX/XXXX. The plaintiffs are XXXX XXXX XXXX XXXX XXXX XXXX. Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I am trying to save my home of 39 years. I would like for Ocwen to give me a debt forgiveness or an affordable loan modification that includes insurance and taxes and of course a foreclosure sale cancellation. My dream of owning my home has been destroyed. I purchased my home in XX/XX/XXXX at age XXXX for {$35000.00}. I made the mistake of getting a refinance that led to predatory lending in XX/XX/XXXX and now i'm fighting to save my home at age XXXX. I pray that someone can help me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing this letter to formally dispute the information contained in my consumer report, as provided by your agency. After a thorough review of my report, I have discovered that undisclosed personal information about me has been shared with a non-affiliated third party without my explicit written consent. This discovery raises serious concerns as it appears to be a violation of the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party without affording me the opportunity to opt-out, as mandated by law, is a direct infringement on my privacy rights. 

Upon meticulous examination of the report, I observed that specific accounts are being reported without my explicit written consent. It is essential to clarify that my dispute is not with the creditor but with your reporting agency for disseminating and reporting information without proper authorization. 

I specifically refer to 15 USC 1681b - Permissible Purpose, which mandates a consumer 's written consent for the reporting of personal information. As of now, I have not provided such written consent, and I request documentation to substantiate my consent, thereby ensuring compliance with this legal requirement. Failure to provide evidence of my consent could be interpreted as a violation of my rights under the FCRA. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter, and the reference number for my complaint is XXXX. I am under the belief that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially constituting identity theft.

In accordance with 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Account Type : Credit card I emphasize my right to a fair and accurate credit reporting process, and the swift removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records showing proof of my option to opt out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified timeframe of four business days. Non-compliance with the provisions of the FCRA may result in further legal action. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

I was shocked to find out my store card was closed never have I been treated like this Wells Fargo closed my retail store credit card XXXX XXXX and they didnt even inform me I found out online this is not fair
Product: Debt collection

XXXX/XXXX/XXXX. {$340.00} and i contacted the company on two occasions about the matter. my last contact was XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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: Debt collection

Re : XXXX XXXX XXXX BSI Financial Services acct # XXXX I purchased my home in XXXX of XXXX. In the Fall of XXXX, I began receiving mail from XXXXXXXX XXXX XXXX BSI Financial Services. Through deception, BSI stated that they were my mortgage company. 

I have no contract with BSI and never have. They have extorted me once for approximately {$40000.00}. Then made several attempts extort me again. 

BSI has harassed me, taken my money, overcharged me and added fees to an alleged debt. When I write to them, they take 30 days to respond and say that it is the lawful amount of time given to them. If a response is received, they avoid some of the questions or inquiries as to withhold information. 

BSI has unlawfully purchased my personal/private information and my promissory note. and when I even submitted an allonge to correct the blank indorsement, they disregarded it. 

BSI has committed Identity theft by selling my information multiple times, to third parties without my knowledge and consent. 

BSI used XXXX XXXX to threaten me to pay BSI money that was not owed to them. When asked to show me a signed agreement with my wet-ink signature, they refused on several occasions to provide such. 

The actions of BSI have been the major factor in the decline in my health, economic wellbeing, and the inability to live a life in pursuit of happiness. 

Please see the attached Affidavit of Truth that was sent to BSI along with their response. They are not able to send a proper response which could rebut any of the points that were on the document. 

Please let me know of any and all other documents that youll need as you look further into the plethora of violations that they have committed. We are requesting your protection
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX-XXXX  -- XX/XX/year> XXXX XXXX  -- XX/XX/year> Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Product: Credit card or prepaid card

Can't login Can't check balance Can't withdraw money Can't spend it Can't get a hold of anyone Says card is invalid These problems since XX/XX/2022 2022
Product: Credit card

Previous dispute filed : # XXXX Account ending : XXXX Payment of {$1300.00} was sent to Synchrony Bank/Sams Personal Credit in the form of check. Check # XXXX Dated XX/XX/2023. Check is marked as Cashed as of XX/XX/2023. 

When speaking to a representative they advised the payment was shown however never applied to the account. A temporary credit was placed on the account during dispute review however, credit has since been reversed and payment was not applied to account. Representative also advised interest would not accrue during the dispute process however, new charges have been applied to the account. 

We have files to support the argument and are happy to provide any supporting documentation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the creditors XXXX XXXX XXXX XXXX and Truist Bank have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Product: Checking or savings account

I was attempting to make a cash deposit through the bb and t atm on XXXX XXXX  street in XXXX  AL onXX/XX/19, shortly before XXXX XXXX central time.  The bank was closed.  The first attempt totaled my deposit to be XXXX instead of the XXXX I put in the machine, so I cancelled my transaction.  All my money was returned and I verified it was in fact XXXX as I had previously counted.  I tried a second time to deposit the XXXX  and our spit out a XXXX, saying it could not read it,  leaving XXXX still in the machine.  The slot where the money is dispensed kept opening and closing but no further bills were returned. Eventually,  the screen showed a deposit amount of XXXX (instead of the XXXX  the machine still had-still off by XXXX), so I hit cancel transaction again. However,  this time no money was returned.  Then the screen came up asking if I wanted to quit or go home for another transaction.  It would not let me select either,  it was like it just froze up.  It asked for my pin number again and eventually gave my card back but no money.  I called the number on the machine and made a report but got no answers as to when or if my money will be credited to my account. They said they would investigate.  In the meantime,  I'm out XXXX dollars that their atm machine basically ate and gave me no credit for. I put three $XXXX, seven $XXXX, one $XXXX  and one $XXXX in the machine.  It returned one of the $XXXX because it was unable to read it,  but kept the remainder, without depositing into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, the bureau who appears to be out of business ( undergoing maintenance for 5 days as of this writing ) has continuously " verified " a fraudulent loan account, a loan that was created fraudulently without my assistance or knowledge.I HAVE ATTACHED AND INCLUDED MY CALIFORNIA DRIVERS LICENSE WITH VERIFIABLE SIGNATURE. 
WHATEVER SIGNATURE THE CREDITOR HAS ON LOAN DOCUMENTS DOES NOT MATCH MY SIGNATURE BECAUSE THE CREDITORS LOAN DOCUMENTS ARE FRAUDULENT. 
The account is US DEPT OF EDUCATION/XXXX # XXXXXXXX AND XXXX   HAVE BLOCKED, SUPPRESSED OR DELETED THIS ACCOUNT LONG AGO. 
EQUIFAX, THE CONFUSED INCOMPETENT BUREAU IS TODAY PREVENTING ME FROM PURCHASING A CAR AND A HOME BY THEIR PHONY NON -STOP " VERIFICATIONS '' OF THIS FRAUDULENT INFORMATION.
Product: Mortgage

Bank of America 's employees damaged my home, stole my mailbox, personal items, and added charges to my mortgage that for work never performed thus inflating my mortgage balance to an amount that is not correct. Furthermore, Bank of America misled me stating that I could do a short sale to avoid foreclosure. Lastly, Bank of America changed my mortgage loan number thus I was not credited for payments made and Bank of America forceplaced an insurance policy eventhough I had my own homeowners insurance policy thus I was charged twice
Product: Debt collection

Out of the blue I received a letter stating I owe this company money. I phoned to see what this matter was in regards to. After being transferred to 3 different people, I reached someone claiming to be a XXXX XXXX @ XXXXXXXX CST. XXXX XXXX stated I had a car repossessed in XX/XX/1997.

I explained to her I never had a car repossessed. She tried to find further information and stated she could not find anything. I started laughing and asked her if this was a joke. She got upset and put me on hold and never returned to the phone. XX/XX/1997 is 21 years ago and out of the blue I receive a letter. Not sure what is going on here but this is absurd and needs to be reported
Product: Credit reporting or other personal consumer reports

I disputed outdated addresses with Experian, and they removed XXXX but left XXXX, claiming its tied to accounts. However, when I contacted the creditors, they stated they have no record of any accounts under my Social Security number. 
Since these accounts are unverifiable and past the seven-year reporting limit, both the accounts and the outdated address should be removed. Experian is violating the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate information. 
I request that Experian : Remove the remaining outdated address. Delete any unverifiable accounts. Provide written confirmation of these deletions. I ask the CFPB to intervene to ensure compliance with the law.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 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 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