23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan o riginated in  XXXX    XXXX   with     XXXX   XXXX   XXXX  . Loan number  XXXX  Located in  XXXX   XXXX  Ca  XXXX   XXXX   XXXX   XXXX  HUD loan #  XXXX   XXXX   XXXX  PHONE  XXXX   XXXX   XXXX   XXXX  I was told.   I was told to write to the freedom of information act to get documents. We lost ours in a fire. I did and was told they could n't come up with them.     Securitized interest balance was  XXXX  I was told to ask  Ocwen for  : Transaction history from prior Servicers. Never received.   Account history. Was received  XXXX  Could n't make sense of It.   Then the loan was bought out by  XXXX  in  XXXX   XXXX  I had a forbearance of  XXXX  per month for a year to make my payment and clear then  XXXX .  Ocwen  bought  XXXX  and the ended up with the loan. We have used the forbearance plan with  Ocwen  but always did as required to get out account current. We never refinanced the loan was  XXXX  and at the end they say we will owe  XXXX . How does that happen when you have paid monthly fo r thirty ye ars.  Hope for  California helped us clear up a few back payments after I became  XXXX . They where told everything was current and on my statement it still says maturity date  XXXX . This was to be the hcappiest day of our lives.   I have federal tax returns showing the interest that was paid on the loan and to whom and how much. They are consistent except when the forbearance came into play with hud. I  hope I a m remembering everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding sales handling and disputes particularly in the light of CFPB lawsuit, highlighting significant issues with the platform dispute, using Zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claim adequately they informed me that recovering loss funds was impossible and that tracking these transactions was unfeasible.the cfpb findings indicate that Zelle not only neglected to protect consumers, but has also allow repeat offenders to exploit the system using users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

The following incorrect information is currently listed on my Transunion credit report : 1. Address 1 : XXXX XXXX XXXX XXXX XXXX, SC XXXX ( Incorrect ) 2.. Address 2 : XXXX XXXX XXXX, XXXX, NC XXXX ( Incorrect ) Consumer Rights : As a consumer, I understand that I have the right to dispute inaccurate information on my credit report. Under the FCRA, credit reporting agencies are required to investigate disputes promptly and ensure the information they provide is accurate. 

CFPBs Role : I am reaching out to the CFPB to ensure XXXX addresses this matter promptly and complies with its obligation to provide accurate credit reporting. 

Supporting Documentation : If necessary, I am prepared to provide proof of my identity and address to facilitate this process. 

Conclusion : I appreciate your assistance in ensuring that XXXX corrects these inaccuracies to prevent any further inconvenience or potential issues.
Product: Checking or savings account

PNC ( my bank ) has been denying my requests to connect my bank account to numerous apps. I have discussed this with this multiple times and they promised it would be fixed and/or it is a problem with the company that creates the connect between the bank and the app. Which is have found to not be the case.
Product: Debt collection

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX for addresses that did not belong to me. They mailed a whole report to a incorrect spelling of my name. Several names that were incorrect. One company has 3 different account numbers that do not belong to me. One company has 9 different account numbers that do not belong to me.
Product: Credit reporting

TransUnion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives that advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.
Product: Checking or savings account

I had a Simple account that got transitioned over to BBVA. I can not access my account online and their customer service is atrocious. I was on hold for 30 minutes and ended up getting hung up on. Tried again and have been on hold for two hours with no end in sight.
Product: Credit reporting or other personal consumer reports

Account was current and never missed a payment. The company Bridgecrest charged off the account without my knowledge or consent and reported my credit report as a repossession unknowing. No notices were issued in which they have committed fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX BRIDGECREST XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Last XXXX of XXXX : XXXX Ref. Acct. XXXX To Whom It May Concern, I am writing to formally request the deletion of the repossession from my credit report regarding the XXXX XXXX XXXX vehicle that was repossessed on or about XX/XX/XXXX. 

Under the laws of the State of Maryland MD Commercial Law Code 12-1021 and RISA and MVISA statutes, a deficiency can not be claimed unless all required notices were properly and timely given, and all allowable redemption time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the subject vehicle signed under penalty of perjury. 

1. The complete original alleged promissory note that includes my signature.

2. The account transaction history. The borrower paid monthly on time.

3. Any required default or acceleration notices.

4. The notice of sale document.

5. The calculation of surplus or deficiency letter.

6. Any additional finance contracts, including those related to insurance.

7. The buyer 's guide.

8. The purchase order.

9. Your company provided written notice by certified or registered mail to the borrower at least 10 days before repossessing the vehicle. if you can not then you must zero out the balance remove the account from my credit report.

10. Your company provided me with a 10-99C.

If no such proof is provided within 14 days from the receipt of this notice, the alleged claim will be considered null and void. Furthermore, any continued collection activities or any invalid claims on my credit report will be treated as violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1681 ( e ) B and Fair Credit Reporting Act ( FCRA ), 15 U.S.C 5 1681 and 15 USC 1692 g Sec. 809 ( b ).

Failure to comply will necessitate the reporting of your company to the Internal Revenue Service for potential fraudulent activities and may result in legal action being pursued in federal court. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Debt collection

I had XXXX XXXX XXXX and it was denied for a XXXX XXXX XXXX XXXX last year in XXXX even though that is a claim that no one can verify. Thunderbird Collections repeatedly called me while I was at work over 4 times in a row the day prior. 

Today I answered an unknown call from Thunderbird Collections where I was told it was a very important call. I immediately told the person I was at work. She said good because her next step was to verify my employment to place a judgment on me. That I had been playing the run around with her company and that they had gotten nowhere with me. 

The person on the other end of the phone stated that the collection was now over XXXX dollars and that they were calling before verifying employment to submit a lien against me. She threatened to garnish my wages if I didnt set up a payment arrangement either weekly or biweekly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : XXXX  of XXXX - XXXX XXXX XXXX XXXX XXXX-XXXX XXXXXXXX XXXX XXXX-XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not give consent for these inquiries and have strong reasons to believe they are fraudulent. I urge you to conduct a thorough investigation and promptly erase them from my credit report.
Product: Checking or savings account

Chime has opted to close my account without giving me a reason as to why. They have been doing this normally around tax season.
Product: Debt collection

My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A COLLECTION ACCOUNT ON ALL THREE OF MY CREDIT REPORT FROM XXXX XXXX XXXX, THIS IS NOT MY ACCOUNT I HAVE NEVER HAD ANY ACCOUNTS WITH THEM PLEASE PROVIDE VALAIDATION OF DEBT. NO VALIDATION HAVE BEEN SENT, BECAUSE THIS IS NOT MY ACCOUNT,
Product: Checking or savings account

orginally contacted XXXX XXXX XX/XX/XXXX. They requested more information I submitted that and never heard back. I then proceeded to contact them via Chat. The history of reaching out is below. 

- XX/XX/XXXX asked for help to remove the restriction. They responded asking for more info and I provided it. Then they never responded again. 
- Started a chat with XXXX prior to the XXXX ( It doesn't say what day exactly ). She did respond saying she was transferring me to the proper team and should receive a response in 1-2 business days. 
- followed up the XXXX. - no response - followed up the XXXX - no response - filled up XX/XX/XXXX - no response- Started a chat with XXXX on the XXXX- received a response on the XXXX with the exact same response as XXXX. I explained that I received the same response before and never heard back and if we could escalate. - no response - followed up the XXXX - no response - followed up the XXXX - no response- Started a chat with XXXX on the XXXX. responded on the XXXX, This time the response was the same as XXXX 's but stating it will take 3-5 business days. I responded letting them know it has been more than 2.5 weeks and no one has reached out. - no response I don't know what else to do at this point. When I call the support line they say to email and start a chat.
Product: Debt collection

This person called my ex husband and said that they were trying to locate me to serve papers. He then called my employer and demanded to speak with the director of XXXX and stated to her that the law office was trying to serve me with papers but didnt want to serve them at my job. He gave both of them a reference number. They both sounded panicked when they called me. 
I called the man and told him that he shouldnt have harassed my ex husband or my employer, he said it wasnt harassment, he was trying to verify my place of employment. He stated the law office very quickly that he was calling from, stated that he was trying to prevent my being served and potentially sued, adding that I signed a legal contract and he stated my whole ssn. He finally said that it was a JCpennys account. I said sir, I paid it off several years ago, it isnt even on my credit report and I am disputing your claim, send it in writing to me. He yelled, when did you pay it? Yelling that I must provide a receipt and email it right away and that he doesnt need to mail anything! I told him that by law, he does. He yelled and said that this is a law office, he will have another law agency call me and he hung up the phone. 
My son just called me and he also called panicked. I suppose they are going to call my entire family.
Product: Credit card or prepaid card

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Product: Credit reporting or other personal consumer reports

Shortly after I discovered the fraud attached to my social security number, I sent the credit bureau a detail letter, telling them the information was fraud, requesting that they remove/block the fraudulent information from reporting and included 9 attachments proving my identity and that the items listed were fraud. I filed an identity theft report, which I provided the bureau a copy, ( Report number XXXX ) and submitted reports to the federal trade commission, ( report number XXXX and XXXX ). Despite all the evidence, the bureau refused to block/remove the items, in direct violation of FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. '' I submitted the request and all evidence in XXXX this year. As evidenced in the attachment, yet it is still reflecting on my credit today. 
The credit bureau has made no effort to protect me and my information. They have sent no supporting documents proving the alleged debt. The only thing I received was saying they " did an investigation. '' Which is impossible, because had they truly investigated, they would have found the accounts are not under my legal name, literal public records ( listed with the state ) show otherwise and a XXXX XXXX search would show every insurance I have ever had. Not to mention, my credit is flawless. No late payments, nothing overdue in my life. 
PLEASE HELP AND PLEASE SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX XXXX  - Account # : XXXX I discovered several fraudulent accounts on my credit report due to identity theft. These are blocking my access to essential credit. Under Section 605B of the FCRA, I demand their immediate removal. Please resolve this by correcting my credit file without delay. Thank you for your prompt attention.
Product: Credit reporting or other personal consumer reports

I submitted dispute letters and they denied it within 24 hours of submitting and never removed the items
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a hardship I fell behind on my credit card payment to XXXX XXXX XXXX  and without notice XXXX XXXX XXXX closed my credit card account. Unfortunately, after closing my account XXXX XXXX XXXX transferred this debt to XXXX XXXX XXXX and is now reporting my closed credit card account 3 separate times on my credit report. I have contacted them several times to dispute these items, but have only gotten a response saying the debt in valid and these 3 accounts are still reporting on my credit report and affecting my credit score. It is my understanding that a company can not report one negative account multiple times on my report? I am asking for these accounts to be removed/reported accurately. This would help me tremendously in building credit worthiness. I do plan to setup a payment plan to pay 20 % monthly until the debt is paid in full when XXXX XXXX XXXX   reports my account information accurately.
Product: Credit card or prepaid card

Discover viol ated the civil law of California and closed my account without advance notice. On  XXXX  around  XXXX  PST, attempted to reopen the account and was denied.
Product: Debt collection

In XXXX I lived in an apartment complex called XXXX XXXX. My job as a XXXX XXXX requires me to travel and be away from home. On XX/XX/XXXX I came home to my apartment that had been destroyed. My jewelry and purses were stolen along with my laptop and TVs. My patio door was open and my front door was also open. I immediately called the police to file a police report about the break in. The apartment managers didnt seem to care. They mocked me and stated shouldve had renters insurance. I stayed in the apartments a few more months and decided to leave before XX/XX/XXXX. The apartment managers said it was okay for me to move out since I didnt feel safe and told me I didnt owe them anything due to the circumstances. In XX/XX/2016 I noticed a bill almost totaling {$1800.00} ( collection account ) on my credit that the apartments said I owed. Its actually a judgement. In order to have a judgement arent you supposed to go to court? Arent you supposed to be properly served with papers? I never went to court and never owed a balance. When I contacted PRO COLLECT about my concerns everyone was extremely rude. Ms XXXX would not let me get a word in to ask questions. I asked her why is the balance appearing as a judgement and the only thing she could tell me was the Allegedly owed a balance when I do NOT. I have disputed this item on XX/XX/XXXX and they have failed to send me proper validation of this alleged debt! They only sent me the lease agreement which only verified that I did in fact live there but it does not VALIDATE this alleged debt! I they have been reporting false and inaccurate information to my credit for the past 3 and a half years. Everyone at this company is rude, and unpleasant. I have been disputing this debt for almost 4 years. I even tried to settle because it is hindering me and destroying my credit and I am tired of going back and forth with the people at this awful company. They told me I am not allowed to settle and that I must pay the balance in full. I refuse to pay a balance in full to a debt collector that can not even validate my debt properly BY LAW. They are knowingly reporting false information on my Credit and failing to properly Validate this alleged debt
Product: Debt collection

I will not pay the {$3800.00} you charged for my apartment 's related fee, with excess costs. Please see my email chain. From the beginning of my lease, I have asked to get out of it due to bug issues. These unfair reason charge has caused undue problems with my credit. The email chain sends all of my emails. I also need a copy of my lease to see my fees because there are also unfair fees. I dispute this, and if I don't hear from you by the close of business within three days of the recipe, I will be forced to examine further options. 
The collector Procollect repeatedly messages or calls during working hours at work. Procollect is harassing me and constantly calling, leaving messages, and using inappropriate language to tell me to pay my bills. I have attempted to dispute, based on an email from the tenant. I have also tried to settle, and Procollect refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I SPOKE TO XXXX EXT XXXX IN REGARDS TO TWO BALANCES SHOWING NEGATIVE ON MYAH CREDIT REPORT THAT I WANTED TO PAY FROM XXXX XXXX XXXX. THEY HAD HAD ISSUES WITH THE BILLING SERVICE THEY WERE USING AND FIRED THEM AND TOOK ON ANOTHER. I LET XXXX KNOW THAT I WAS PAYING THIS AND ASKED IF BY PAYING TODAY WOULD THEY REMOVE IT FROM MY CREDIT REPORT AND SHOW AS PAID IN FULL. SHE TOLD ME YES IF I PAID TODAY AND THAT IN 30-45 DAYS IT WOULD BE REMOVED. SO I PAID BOTH AMOUNTS # XXXX FOR {$460.00} AND # XXXX FOR {$370.00} AFTER SHE ASSURED IN 30 -45 DAYS WOULD BE REMOVED. I CALLED BACK ON XX/XX/17 TO FOLLOW UP AFTER HAVING MY REPORT PULLED ASND FOUND IT WAS STILL ON THERE. SHE SAID I NEED TO CALL THE CREDIT BOUROUGH TO HAVE IT TAKEN OFF AND THEY DO NOT DO THAT, I ASKED TO SPEAK TO THE MANAGER AND THEN THE ASSISTANT MANAGER ( XXXX - XXXX ) GOT ON THE PHONE AND PROCEEDED TO TELL ME THEY DO NOT TAKE ANYTHING OFF AND NEVER HAVE IF PAID OR NOT. THIS IS NOT WHAT WAS ORIGINALLY TOLD TO ME AND I FEEL LIKE THEY SAID WHATEVER TO GET THE MONEY AND PAYMENT. IT IS STILL ON MY REPORT AND AFFECTING MY SCORE GREATLY BECAUSE OF IT. WITH THE ISSUES WITH THE BILLING COMPANY AT MY DOCTORS AND THEN THE BIGGEST ISSUE OF BEING LIED TO TO GET TWO PAYMENTS AND THEN CHANGE THAT IT WILL NOT COME OFF ANF NOW IT IS MY RESPONSIBILITY TO REACH OUT TO THE CREDIT BOUROUGH IS DISTURBING. ALL I AM ASKING IS THAT THE PAID DEBT IS REMOVED. IT IS THE ONLY THING ON MY CREDIT REPORT. I FILED AS COMPLAINT RIGHT AFTER WITH THE XXXX AND NEVER HEARD A WORD BACK.
Product: Mortgage

We fell behind on our mortgage and sps servicing made a trial loan modification. I have a letter from them accepting agreement. Dated XXXX. I made the 3 payments for XXXX, XXXX and XXXX. SPS is holding my XXXX payment hostage. Which they cashed the check. I made it every third of the month. There making it look like we did not make the 3rd payment! There holding the payment until my husband signs agreement saying they can pull the payment on the XXXX of the month. Mind you our S.S.does not hit the account till theXX/XX/XXXX I don't trust them since they keep changing the payment amounts. Constantly harassment, XXXX XXXX XXXX