23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is complaint number XXXX. I originally filed a complaint a few months ago, the result of that complaint was a response that stated my modification was approved but my mortgage had been purchased by another lender so there was a delay.The modification process was started in XXXX of 2014. After that notice I was served with foreclosure paperwork. This led me to question how Ocwen could file foreclosure on a mortgage that was currently in a modification and according to Ocwen had been bought by another company. I was told that I needed to file a response to the paperwork I was served. I filed my response at my local court house stating I was making payments, had a pending modification, and included copies of negotiated checks that Ocwen had accepted for payment .At this point the modification had carried on for over a year. I then was assigned a date to meet with attorneys for Ocwen as well as a foreclosure mediator, that meeting I believe was XXXX XXXX. At this meeting Ocwen was called where a representative for Ocwen told myself, the mediator and the attorney present that my modification had been approved, that my mortgage was current and after 14 months I finally had a completed modification. I was told I should receive paperwork on the approved modification within the next 30 days. I received a letter from the attorneys office stating the case was dismissed, which was signed and sent back. I then waited to receive the paperwork for my approved modification. I have yet to receive any such paperwork, instead I have received paperwork stating that my mortgage is behind and Ocwen has started the foreclosure process, again. I have also received XXXX separate letters stating I have a new agent, each letter had a different name, neither name is the person I am told is my agent when I call in. Total I have now been given at least XXXX different agents within the last year. I continue to make monthly payments and my checks are accepted every month.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX charged m card for a service I did not purchase XX/XX/XXXX - contacted chase to dispute charge. 
XX/XX/XXXX - XXXX issued credit to my account per email they sent me. I forwarded the transaction info to Chase. 
XX/XX/XXXX - Chase contacted by letter & asked me to call them. They needed further info XX/XX/XXXX - Emailed letter to Chase with billing information and asked them to remove charge XX/XX/XXXX - Sent above email again & included a copy of a CHAT from XXXX saying they will credit the charge XX/XX/XXXX - Heard nothing. Called Cahse spoke to XXXX. She saw a credit on my account and recommended I wait for call from dispute dept. 
XXXX Charge still on statement but said payment not required. 
XX/XX/XXXX - Spoke to XXXX in Disputes at Chase - stated she will issue a courtesy credit within 15 Business days due to Supervisor Error XX/XX/XXXX _ spoke to XXXX/Supervisor. Was told Dispute dept. declined the credit because the transaction is too old. We got XXXX on the line and was told they processed a credit in XX/XX/XXXX and it was returned by Chase ( they did not post XXXX 's credit to my account ). 
XX/XX/XXXX - I submitted a complaint to the XXXX, XXXX XXXX against XXXX. 
XX/XX/XXXX - XXXX from Disputes Dept. told me he was investigating the XXXX complaint & will contact me back within 2 weeks. 
XX/XX/XXXX - I emailed Chase with XXXX 's credit memo info. to XXXX ( XXXX provided this email address ) XX/XX/XXXX - Emailed XXXX to follow up on investigation. I asked to be called or emailed regarding the status of XXXX 's investigation. 
XX/XX/XXXX - Received letter in mail from Chase dated XX/XX/XXXX. Letter stated they considered charge valid because of the significant amount of time that passed since my account was charged. They also stated the Merchant refused to issue credit ( even though I sent them proof from XXXX that a credit was issued on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Equifax has a rather annoying process for their help center. I have had problems verifying my identity which you must do in order to do anything on the help line. I called multiple times on XXXX and XXXX but failed to speak with an agent each time as you have to verify your identity first. I tried emailing on XXXX since calling about this issue has not worked, but it was not resolved by them. They sent me an email on XXXX with a link to log into my account, but I can't do so as I have to verify my identity. I just want to verify my identity so that I can unfreeze my credit report. They make it very difficult to verify your identity and they don't provide enough support services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some fraudulent inquiries on my credit : XXXX  - XXXX XXXX XXXX XXXX  XXXX XXXX-XXXX XXXX XXXX I have reached out to Equifax 4 times with zero resolution! 

My name is XXXX XXXX and I am demnading these inquires to be reomved from my credit pursuant to 605B. I have wasted 4 months trying to remove these.
Product: Debt collection

Radius mailed a letter dated XX/XX/2020 to pay some unknown debt and at the same time reported to credit bureau. Never even gave me time to receive the letter in a middle of a PANDEMIC! Reported to credit bureau damaging my credit Im working hard to already repair. And theyre basically saying okay its nothing we can do about it today! Why not? You put it on there with the XXXX of a key!? XXXX the same key and remove it just as swift! Why are they allowed to report this and ruin peoples credit when we never get a chance to receive the communication?! And especially during a PANDEMIC!!!
Product: Debt collection

XXXX XXXX XXXX working on behalf of XXXX XXXX XXXX ( XXXX ) received a writ of execution to levy my and my mothers bank account for a total of {$11000.00} after getting a default judgement back in XXXX of XXXX. My mother nor I received any legal paperwork regarding this court filing from the XXXX XXXX XXXX that lead to a default judgement and levy which was granted in XXXX of XXXX. Yesterday my mother received a letter from her bank stating that {$11000.00} was attempted to have been collected due to the levy. In XXXX, My mother and I had a stipulation of settlement with the law firm XXXX XXXX XXXX in regards to the XXXX XXXX XXXX account with XXXX XXXX XXXX. In XXXX, I had received a letter in the mail stating that XXXX   was being sued in a class action lawsuit from the CFPB and that my loan was included. It further stated that any collection activity must cease until all the accounts are audited. I havent received any correspondence from XXXX XXXX XXXX since the settlement in XXXX until recent when my mother was sent a notice of levy against her account on XX/XX/XXXX. I have been in a legal battle with XXXX since XXXX. XXXX XXXX XXXX obtained a judgement without sending any paperwork as I have always answered to and appeared in court in regards to this matter. They are still attempting to collect on this debt after my loan was included in the lawsuit that stated debt collection must cease. I have received no correspondence of any evidence of auditing of my student loan account with XXXX as of yet.
Product: Credit card or prepaid card

Disputed " chip '' charge on my Citibank credit card in XXXX while on vacation, that was not made by myself. I reported this error within a week of the charge being posted. The card was not stolen or lost. It appeared that when I handed my card over to make purchases, normally at a restaurant, an additional charge of XXXX Euros, by a company I can not identify, or even find via a web search was placed on my card. I wrote to the legal department and they responded that since this was a " chip '' charge, and I did not lose the card, this was a legitimate transaction on my part, and I am liable. They also concluded this is not a billing dispute, so it appears no investigationb whatsoever took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

In response to offer of 80k bonus miles and waived annual fee for first year, opened a Aviator Business credit card for a sole proprietorship.Met the spend requirement for 80k bonus offer but have not received the bonus miles as advertised. Contacted company after first statement to inquire and was advised to wait 4-6, or after next statement close for miles to post. Despite waiting the requested time and having another statement close, have not received 80k bonus miles.
Product: Credit reporting or other personal consumer reports

The reported late payment on my account is incorrect. Under 15 U.S.C. 1666b, which addresses billing errors related to payment due dates, I am requesting an investigation. If my payment was made on time, please update my record to reflect accurate reporting and remove any associated penalties.
Product: Credit reporting or other personal consumer reports

The Credit Buruea keeping reporting inaccurate information on my credit report about this account down below is the letter i sent them but still saying they verified the account when it hasnot been updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX @ Experian Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding XXXX XXXX XXXX XXXX Account Dear Experian Consumer Assistance, I am writing to formally dispute the information on my credit report related to the XXXX XXXX XXXX XXXX account. The account is currently listed as closed with a balance of {$7300.00}, and it is negatively impacting my credit score. 

I have several concerns regarding this account : 1. **Inaccuracy of Reporting : ** The XXXX XXXX XXXX XXXX account is inaccurately reported as active, even though it was closed. The status of " Account charged off '' with a past due amount of {$7300.00} is incorrect, as this account should have been closed in XX/XX/XXXX. 

2. **Dispute Status : ** Despite my previous disputes, the information remains unchanged. The completion of investigations indicates a persistent disagreement, and I request a thorough reevaluation of the reported details. 

3. **Violations of Fair Credit Reporting Act ( FCRA ) : ** I am aware of my rights under the FCRA , and it appears that the reporting of this account may be in violation of the Act. The inaccurate reporting has caused me financial harm, and I intend to use every consumer protection law available to rectify this situation. 

I kindly request a prompt and thorough investigation into this matter. Please provide me with the results of your investigation and any actions taken to correct the inaccuracies on my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

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

Experian is reporting incorrect unverified incorrect Bankruptcies on my credit report i have requested several investigations into my correcting my report but the issue still hasn't been investigated or corrected and was claimed to be verified through XXXX i recently obtained a copy of my XXXX report which show no Bankruptcy being reported so i am requesting and investigation to correct the issue
Product: Debt collection

on XXXX XXXX i noticed a debt collection issued on my credit as a result of identity theft i ask that it please be removed!!!! 


15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 
Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 
Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage.

Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement.

Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations.
Product: Credit reporting

On XXXX XXXX, 2016 I went online to pull my free annual credit reports from all XXXX agencies. I went first to Experian. There was an ad for a " free FICO score for {$1.00} '' which I was going to request but when I read their disclaimer that their {$1.00} " free '' FICO score IS NOT used by lenders I decided not to. 
The Experian website is difficult to use and very confusing unless you want to give Experian your hard-earned money. Printing out a readable copy of my " free '' Experian credit report was confusing and difficult. I use computer ALL the time and prepare tax returns for a living so if I say it 's confusing, IT 'S CONFUSING! I exited the site then and there realizing that their website is not REALLY designed to help you find your free credit report. I then made my way to 'annualcreditreport.com '. I was eventually able to print all XXXX credit reports on XX/XX/XXXX ONLY. Experian charged me {$21.00} for a " free credit report ''. .Experian debited my bank account for {$21.00} on XXXX XXXX, 2016 ( 10 days later )!!!. I ordered nothing from them. I tried to contact Experian about this but they have no customer service number and no information about their overcharging customers. I only have XXXX credit report from Experian dated XXXX XXXX, 2016 that should be free. I did not order anything from Experian to my knowledge nor did I receive any receipt or communication from Experian stating that I had done so. I would like a refund immediately of the {$21.00} Experian took from my bank account without my knowledge or consent.
Product: Credit card or prepaid card

I closed my account with Discover Bank ( Card ) in XXXX, paying it in full and ensuring that this payment covered all finance charges. Later that month, I called back to ensure that my account was closed and there was a XXXX  balance on my closed account. I then received a series of checks from Discover, two stating that I had overpaid. This is unacceptable due to the due diligence I showed in calling a SECOND time to ensure my account was in order. I deposited the first two checks. I later received notice that they had made a mistake and shouldn't have sent me the second of three checks and that I must pay that back immediately. I sent a written notice, refusing to pay them since I had paid off ALL money owed and checked back before the time the checks were mailed to ensure this was the case. That same week that my paper request for written confirmation of my closed account was in the mail to Discover Bank, they sent me a THIRD check to deposit with more money they supposedly owed me. I then called the company AGAIN and told them what was going on. The manager refused to clear the account and insisted I owed them the money even after the company is still sending me a checks. I have not deposited the third check due to the behavior of representatives of this company. I feel I am trapped in a scam. I asked for an email copy of all transactions they have a record of my billing and phone call transactions for my complaint for the Consumer Financial Protection Bureau and other consumer advocacy groups. She refused to email it to me but said she would mail me a hard copy once the legal team preps it. That was on a Friday. I still had not received the promised correspondence by the following Friday but did receive another e-mail claiming I owed the money and must now pay a minimum, insinuating that this fraudulent charge now carries possible finance charges. I called the company again, speaking to another manager, who claimed that they can't mail me such documentation and the last manager never should have said she could. She read the notes from my last call and agreed to forward my information and request to speak to a " higher up '' from their legal team. She said they could not call me for 24 business hours, putting me into the second week waiting for this basic information. I am now submitting the complaints without it, while awaiting the supposed call from their legal team.
Product: Mortgage

I was marketed by Caliber Home Loans via a letter. I applied for the refinance of my home with Caliber Home Loans, only after they assured me that a prior Chapter & BK and included foreclosure would not be an issue. I was charged for an appraisal an we supplied all of the requested documentation to process the loan. 
We are then told that they could not approve the loan based on the BK and Foreclosure. When I mentioned the statement from the loan officer XXXX that she had received written permission regarding this, then the issue of disputes on our credit report were brought up. I requested that information so we could correct those inaccuracies on our credit report. I was told that it would be sent and it was not. 
Now I am told the the Fanny Mae DU system did not accept our loan file. I believe this to not be true and also feel this process of obtaining a XXXX DU finding would have be done in advance of ordering an appraisal. 
I feel that our loan file was not processed in a manner to protect us from un-necessary charges of the appraisal fee and I do request an immediate refund of this expense. 
Thank you.
Product: Payday loan

I am writing this as a customer who feels as though Advanced Financial is ripping their customers off, I had a loan with this company off and on for two years it was an installment loan, well recently went into the store to renew it as I did n't have all of the money to pay and was told I had to switch over to their Flex loan or pay the balance in full, so I did. I have paid this company almost XXXX on a XXXX loan and only XXXX has went to my principle ... they charge customer s over 200 % in interest but word the contract and the flyer they give you is very misleading. I also revoked authorization so they would not draft my bank account and they continue to do so. I do n't understand how thi can be legal. And if so I think someone should look into this and regulate the laws. I kniw this company has had several complaints regarding these new flex loans and ripping people off, also forcing customers to switch over to these loans should also be against the law. You make a payment of XXXX and only XXXX goes to principle and the rest to fees and interest, the present the flex loan like a credit card and I have those and the definitely do not work they way this company is telling their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$880.00}, XXXX XXXX Balance : {$3000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023. I saw this company called paysend on XXXX to send money to my foreign bank account. I always use a company called XXXX. Paysend was offering a better rate so I said let me give them a try. I never recieved the money in my foreign bank account. I send paysend numerous email with reciepts of my bank statements of my foreign bank account money was never recieved. They gave me a reciept that was fraudulent. I called my bank in XXXX XXXX they never recieved the money. The receipt paysend provided was no good. Even the contact person number they provided number was not working. Its a number of a person in another country. I have sent numerous emails with no resolution just that it was given to a different department. I have provided the reciept of paysend and my foreign bank account. The receipt paysend gave me that said my funds was deposited. This company should be banned from doing service in the United States.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX {$780.00}, XXXX  XXXX {$980.00}, XXXX  XXXX {$480.00}, XXXX XXXX {$70.00}, XXXX {$0.00}
Product: Debt collection

Third Party Medical Collection that's fraudulent account can not verify or validated services and can not. Notified them and they continued to collect. I notified police of fraudulent collection. I have sent company affidavit of fraudulent account.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX