23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen was sent a request for payoff amount of reverse mortgage on XX/XX/XXXX. Ocwen has not responded to this request and will not address the issue when phoned by myself and the escrow title company. Ocwen has made an extra {$370.00} in interest in the time they have delayed in producing a loan payoff amount. 
Ocwen does not seem to be interested in my satisfying this loan.
Product: Credit reporting or other personal consumer reports

Denied credit through My Quick Wallet app and was denied!
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. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : Unknown Account Number : XXXX and list of Inquiries 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 XXXX 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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX is reporting a past-due balance on a collection account
Product: Mortgage

I have been harassed by a XXXX XXXX, who claims he works for Carrington through XXXX XXXX, about the status of my loan and when I will be paying. XXXX has threatened to send up to 4 people to my home to remove my family as we are not speaking to him, as Carrington has repeatedly denied having any knowledge of him and denied even utilizing third party agents. XXXX XXXX still claims he works for XXXX on behalf of Carrington, has claimed Carrington doesn't know what they are talking about, has repeatedly tried to get me and my family members to agree to pay more than what's owed ( I currently owe aprox. {$22000.00} and he told my son-in-law that I owed {$50000.00} ). He has gone as far as to even email 6 different email addresses with my daughters name and our street address, not knowing if it was her, and even though my daughter is not on my loan. I am trying to make right by my loan, but am afraid to trust anyone, whether it be this XXXX character, or someone from Carrington since I have no idea who is right in this matter. I would appreciate being able to deal with one person and will gladly do what's necessary to make my loan whole again, or if I can find another lender deal with another lender. Proof of said emails can be furnished upon request as well as call records from when he called my cell phone.
Product: Money transfer, virtual currency, or money service

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  account with XXXX XXXX XXXX originally a XXXX phone account debt opened on XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

derogatory credit and collections that were not mine were left on my credit report for more than 7 years. All these items happened after, in 2010, I had lost and reported the loss of my identification and social security card to the XXXX Precinct in XXXX, New York. There are credit cards, loans and multiple education department federal loan requests for the same loan. The loan has not been properly deferred or taken off. There are several collections ( 3 ) for debt i do not owe and never made a contract for credit with those places. Please review and remove these items off each report ( XXXX, XXXX  and XXXX.Please remove in accordance with the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to unresolved inaccuracies on my credit report. Despite my formal disputes, some unverified accounts remain on my report, in violation of Section 611 of the FCRA ( 15 U.S.C. 1681i ). I previously disputed the following items on my credit report with Experian because I believe the information is inaccurate and can not be verified. Although some items were corrected, the following accounts remain on my report despite the lack of verification : Creditor/Account Name : XXXX Account Number : XXXX Reason for Dispute : Not Mine Creditor/Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : Not Mine Creditor/Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Not Mine As part of my ongoing efforts to resolve this matter, I previously filed a report with the Federal Trade Commission ( FTC ) . My FTC report reference number is XXXX. Despite this, the disputed accounts remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is currently reporting a closed account that was paid in full never had any late payments. On XXXX of XXXX, I have a 30 day late payment being reported inaccurately with a balance when this balance has been paid off in full paid directly in the Bank of America bank branch in XXXX XXXX, New Jersey. During Covid which they violated due the deferral I had placed on my credit card at the time they were in violation of the following. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX, through either XX/XX/XXXX ( 120 days after XX/XX/XXXX, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found a late payments on the following dates : XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statements did not get to me.
Product: Debt collection

I received medical care at XXXX XXXX XXXX in XXXX, UT, in XX/XX/XXXX. In XX/XX/XXXX, I received a call from The XXXX XXXX, a debt collection agency to pay for this service. XXXX never attempted to contact me and I assumed my insurance paid for the visit. I paid The XXXX XXXX and assumed that was the end of it ( I have the receipt ). 

On XX/XX/XXXX, my wife received a call from XXXX financial services saying that I had to pay a medical bill from XXXX XXXX XXXX. I called them back and their collections agent said they had been trying to contact me since XXXX of 2022. She said she had called my wife multiple times since XXXX and sent many letters that got sent back. They were sending letters to an address that I've never been associated with in a city where I've never lived. I checked my wife 's phone records and she did not receive a call from them until XX/XX/XXXX. Additionally, they are charging me over {$100.00} in interest for 6 months. 

To summarize, they : 1 ) Tried to collect on a bill I already paid 2 ) Lied about trying to contact me ( no calls on phone record and sent letters to phony address in attempt to drive up interest ) 3 ) Illegally charged an excessive amount of interest ( over {$100.00} in 6 months on a {$300.00} medical bill )
Product: Checking or savings account

Couple weeks back I filed a dispute and was told to wait 20 days which i didnt understand when dispute usually take 10 days to investigate and was told to wait 20 and it already been the 17th business day and yet havent received my provisional credit
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request an unauthorized credit inquiry to be removed from my credit report. I received a copy of my credit report and became aware of an inquiry I did not authorize. It is as follows. 
XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Bank account or service

Citizens bank removed funds from my checking account l\this past week without a notice or permission. I need a full investigation right away. i am unable to pay our mortgage with this improper removal. how can you help me ( helpless ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. I don't have any idea about the Bankruptcy report. That report DOES NOT belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Product: Credit reporting or other personal consumer reports

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 604 A section 2 its also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1692C Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

XXXX XXXX has violated my rights.
Product: Mortgage

Suntrust Mortgage currently services my home loan, which includes the escrow of taxes and homeowner 's insurance. This is the second year in a row that Suntrust has not issued payment to renew my insurance policy in a timely fashion. As a result, I have had to come out of pocket, in addition to my escrow funds paid throughout the year to pay for the policy ( since Suntrust failed to issue payment ontime ) and am now seeking reimbursement from the servicer. 

More specifically, my insurance policy renewed XX/XX/XXXX. Prior to the renewal, we changed the agent of record to a local office, XXXX XXXX XXXX, to avoid issues that we had the prior year with Suntrust and the previous agent on record, XXXX. The Agent of Record change took place on XX/XX/XXXX with a copy being sent directly to Suntrust from XXXX XXXX XXXX. Once it was time to renew, I received a copy of the renewal bill and I personally sent a copy via fax to Suntrust on XX/XX/XXXX. 

Note, payment needed to be issued on or before the renewal to avoid possible cancellation. I also asked XXXX XXXX to fax a copy of the bill the same day. I received confirmation the following day, XX/XX/XXXX that the information had been sent to Suntrust by the agency. Then, my insurance agent suggested I call Suntrust just to verify they received the bill and the balance was being processed. I called Suntrust on XX/XX/XXXX at XXXX. I connected with an agent who confirmed that they received the bill and payment was scheduled to be released XX/XX/XXXX, the date of the renewal. I updated my insurance office with this information the same day and have record of that correspondence. 

XX/XX/XXXX. I received a call from my insurance agency 's office. The payment still hadn't been processed/received by Suntrust. I placed another phone call to Suntrust at XXXX, XX/XX/XXXX. I connected with a representative who advised they never received any copies of my bill, agent of record change and they had no records of my previous calls. Therefore no payment was made and that if they did not receive proof of payment they would place forced-placed insurance. 

Maybe there would have been some confusion - however, given I had been through this exact same fiasco in XXXX with Suntrust, I was adamant it wouldn't happen again and made multiple efforts to deliver this information to Suntrust. Now, I have had to come out of pocket AGAIN to fund the policy and am going to seek reimbursement from Suntrust. 

Disappointing is an understatement. I understand how frustrating CFPB complaints must be for Suntrust to have to respond to, but the lack of diligence from the escrow department is challenging to understand. Had I not had the extra funds to pay the insurance policy this would have been an even worse scenario.
Product: Vehicle loan or lease

My name is incorrect in their system, this needs to be updated. I submitted the request and there has been no response.
Product: Debt or credit management

Im a victim of Lexington Law and there services and what I received in the mail wasnt nearly half of the amount I paid them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To whom it may concern, I have already filed a Police Report I had some fraud on my report someone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent accounts at once : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX never had this account or done any business with these companies.
Product: Checking or savings account

I signed up for a monthly subscription with XXXX for roughly {$15.00} I immediately noticed the service did not work. And contacted customer service to make a resolution. Once I realized its the site error I requested a refund at what point I noticed I was overcharged. They charged me {$120.00} I did not receive a receipt at sign up or cancellation receipt. I am only able to screen shot the actual website showing I have deactivated the service and still have my card details on this site despite me asking them to remove them. This company is fraudulent as they are not providing the service they advertise. They are refusing to refund me the Yearly subscription they charged me for or adjust it to the monthly subscription I opted for.

I attempted to contact cashapp who has lead me down a long road asking for receipts when they have the information clearly listed on their transaction history. I am not able to provide anything more than the screenshot that is available to me. CashApp a subsidiary of Square Inc. Is not able to help me with this transaction. I am not even able to contact anyone by phone only email which is taking days to resolve. And at this point I am at a dead end as I do not have a receipt because this transaction was fraud therefore I am being told I can not be helped.

CashApp Customer service is not making any attempt to resolve this issue where my account has been overcharged. Only asking me for information they already have in their system. I just want this charge reversed I have attached a copy of the transcripts with XXXX, CashApp, and the Card they still have on file that I want deleted as I am afraid of more unauthorized charges.
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 violate 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. Further more 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: Debt collection

Merchants & Professional Collection Bureau , Inc. 
XXXX XXXX XXXX , XXXX, TX XXXX Reported an account in collection to all 3 credit reporting agencies as " joint ''. It is not. This is another family members sole responsibility. 

This company tried to contact me ( cold call ) several months but would not release any info unless I provided personal information which I do not do to unknown cold calls. 

This company fraudulently listed this as a " joint account '' in " collections '' against my credit. 

This company will not provide any information except to the other family member, yet maintains I am responsible. 

Action : This needs to be cleared on my credit files and this company should be severely fined for illegal and immoral business practices.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccuracies reported on my credit report, asserting that your agency, as a nonaffiliated third party, has violated several federal statutes. 

Nonaffiliated Third Party Violations : XXXX. Your agency, as a nonaffiliated third party, failed to notify me of your information-sharing practices and did not provide an opportunity to opt out before sharing my nonpublic personal information ( XXXX  ). This is a violation of 15 USC 6802. 

XXXX. Financial institutions are required to protect the confidentiality and security of consumers ' XXXX. This is a violation of 15 USC 6801 ( b ).

Reporting and Accuracy Violations : 3. Under the Fair Credit Reporting Act ( FCRA ), you must ensure maximum possible accuracy of the information reported. This is a violation of 15 USC 1681e ( b ). 

XXXX. You are required to conduct a reasonable reinvestigation of disputed information. This is a violation of 15 USC 1681i. 

XXXX. Furnishers of information are required to provide accurate data. Your agencys failure to ensure the accuracy of reported information breaches this obligation. This is a violation of 15 USC 1681s-2 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.
Product: Debt collection

I have identified information on my consumer reports that are a result of identity theft, these items are not related to any transactions completed by me.
Product: Credit card

I am writing to formally file a complaint against Chase Bank regarding their failure to properly investigate and handle a dispute that I submitted on XX/XX/year> related to a transaction with XXXX. 
I attempted to return an item purchased from XXXX multiple times, but my return was not accepted as per XXXX return policy. Due to this issue, I submitted a valid credit card dispute to Chase Bank, along with all necessary documentation to support my claim, including proof of the return request and communication with XXXX. 
Despite providing comprehensive evidence, Chase Bank has failed to adequately investigate the dispute or resolve the matter in a timely fashion. I have reached out multiple times to inquire about the status of my dispute, but I have not received a satisfactory response or resolution. 
The lack of proper handling of this dispute has caused me significant frustration and inconvenience. I believe that Chase Bank is not adhering to the required protocols for investigating credit card disputes, as mandated by consumer protection laws. 
I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Chase Bank fulfills its obligations in handling disputed charges effectively and fairly. 
Thank you for your attention to this matter. I look forward to your prompt response.