23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

With my prior mortgage company, I didn't have to worry about anything. If I had an issue I'd simply called them and the matter was taken care of with only 1 phone call. Now that my loan has been transferred over to XXXX -- oops -- I mean Carrington Mortgage Services, I'm no longer in good hands. My initial interactions with them until now ( which is exactly 1 month ) has been completely adversarial and it's ongoing. Unfortunately now without my consent I'm a very unhappy Carrington Mortgage customer. When I call Carrington Mortgage, I have to prepare to go through 15-20 minutes of recorded messaging prompts resulting in me having to get a call back from them. And when they do call you back, a random phone number pops up on the Caller ID instead of depicting its Carrington Mortgage. Your mind will not be at ease. Expect to make several phone calls to try to resolve one ( 1 ) issue. Once you go through this you'll need to make sure you continue to follow up as the information you provide to their Rep won't be put into the system under your Loan file. The next Rep ( s ) will inform you that " I don't see that in our system ''. I've found that if you pressed the prompt for " Payments '' that you could always get a Rep on the phone. 

And don't get me started on the Carrington Mortgage XXXX Department. This is the most inept company I've encountered. And I've bought XXXX houses each with literally no problem. I live in a townhome and submitted my homeowners insurance info ( so did my insurance agent ) and my HOA master policy only to be told that it's insufficient. However it was good enough for my previous mortgage company. Townhomes HOA master policies depict the communities names and the streets and not individual house numbers as Carrington Mortgage I've received numerous email messages about it and Carrington Mortgage has basically left the onus on me to get this master policy insurance info which they already have. Their insurance departments literally expect me to do their job. I told them to call the number on the master policy and get it yourself. My concern is that Carrington Mortgage is going to XXXX up my escrow analysis concerning my homeowners insurance thus resulting in a higher mortgage payment. In this short one month, Carrington Mortgage Services has shown that their inept regarding XXXX XXXX XXXX XXXX XXXX XXXX If Carrington Mortgage is lacking knowledge when it comes to servicing these types of loans, they shouldn't be allowed to handle VA XXXX. I'm really going to be watching out for Carrington Mortgage trying to force place insurance ( theirs of course ) to increase my mortgage payment. I'm a service XXXX Veteran who doesn't pay property tax but I still have to pay homeowners insurance via escrow.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to XXXX XXXX, any billing mistake should be fixed and marked as paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute concerning the incorrect items on my credit file. It has been a little short of 30 days and I have not received any updates regarding my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Student loan

I received a billing statement on XX/XX/XXXX about my loan coming back into repayment. I then received an email today, XX/XX/XXXX, stating that I had a past due balance on my loan. When I looked at the billing statement from XX/XX/XXXX, I did have an {$84.00} past due amount. However, the statement received on XX/XX/XXXX was the first communication I have received from them regarding my loan since XX/XX/XXXX. ( This is reflected on my online account as well. ) Additionally, I did not receive a single phone call or email regarding the past due amount. However, my mom ( my co-signer ) has received north of 6 calls per day regarding this past due amount. When I called to receive information about this past due amount, all the customer service representative said they could do was notate my account. I then confirmed that my phone number is listed on my account and I requested that they remove my mom 's information so she stops receiving calls. I was told they are unable to remove my mom 's information without her approval. Additionally, I submitted an online payment for the past due amount at XXXX this morning, but my mom has still continued to get calls. When I spoke to the representative, he had no knowledge of my payment until he dug around the account a little bit. If a payment has been submitted, all debt collecting attempts should cease immediately. 
I work for a mortgage company and deal with CFPB compliance every day so I understand what constitutes as a violation and not sending me a billing statement or contacting me regarding a missed payment is 100 % a violation. I 'm not sure what can be done to rectify this situation, but something needs to be done. I 'm sure I 'm not the only borrower this happens to. 
Please remove my mom 's contact information from my account IMMEDIATELY. Being the main, direct borrower on the loan, I should have access to any account information that I need and should be able to request any updates to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with Experian and Experian XXXX. 
As of last month I had a XXXX XXXX score of XXXX or there abouts. On XXXX I had a score of XXXX. O had a debt on my record from XXXX and I paid it off. Ever since my XXXX XXXX score went down to XXXX from what I see. My XXXX  score is dropping from XXXX to XXXX. I tried Appling for Experian XXXX and according to Experian I have no score and no revolving credit so I don't qualify for Experian XXXX. To me this seems to be a catch 22. Also since I got my creditors paid off and no revolving credit why can't I have a score of at least XXXX or better. This is affecting my ability to apply for and obtain an auto loan.
Product: Mortgage

On XX/XX/19, I inquired about mortgage rates with Quicken online ; rates were displayed and I declined an invitation on the website for a return call as I was not interested in what was advertised. 

I received a call later in day at XXXX local time from XXXX XXXX , Senior Mortgage Banker ( NLMS XXXX ). The representative continued to gather information from me not indicating anywhere in the call that I was making a formal application until the very end. 

I stated I was seeking a rate estimate and fee information ; the representative repeatedly stated " interest rates are federally regulated and it was not necessary to shop around as all mortgage bankers are fishing from the same pool ''. Rates obviously vary between lenders and I asked for clarification, she repeated the same. The representative was abusive and deceptive. She advised I should " continue with the application, without giving me insight to rates or fees so that her Director can review the loan ''. I provided my exact FICO, DTI, profile, product interested in and loan specifics. Fee information could not be given and the call ended. 

The loan officer sent me a text with her information and I responded asking for her Director to call me. I advised I wanted to file a UDAP complaint and did not hear further.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a letter to XXXX XXXX dated XX/XX/XXXX, I explained the circumstances of two late payments from XX/XX/XXXXand inquired if it would be possible for a good will adjustment as my account has since been paid off and in consistent good standing for the past five years. In the letter, I took full responsibility for the late payments and never disputed the fact that they were late. After receiving a response saying that after an investigation, the report is accurate, they placed a comment on my credit report that I dispute the information. I do not wish to have this notation, as I never disputed anything. I just wanted to see if it would be possible to remove the late payments after paying off the debt and keeping the account in good standing for several years. I once again reached out to XXXX 's to remove the dispute comment but it has never been resolved. I fear that as I prepare to apply for mortgages, creditors will be weary of any sort of dispute seen on my credit reports.
Product: Checking or savings account

Sir/Ma'am, On XX/XX/XXXX and XX/XX/XXXX an unauthorized person went into one of Chase Bank 's branch located in XXXX XXXX , Texas and withdrew {$5000.00} from my checking account. 

1. At time of theft I never lost my chase Debit, hence I was using my card to make purchase not knowing that someone got into my account. 
2. I realized that my account was being compromised on XX/XX/XXXX,  then I informed chase bank. 
3. I informed the XXXX XXXX Police Department immediately and investigated started. 
The police investigation revealed that a lady went into the bank 's ATM and withdrew money from my checking on both occasions ... as captured by Chase bank camera. 
4. The bank failed to call/text me on both transaction during theft. When I asked a chase representative why I was not informed before releasing such a huge amount of money to a theft, the representative told me it was a technical error. 
5. I contacted the chase executive office repeatedly to review my claim and make refunds for the {$5000.00} chase told me since it is a chip-on-trip transaction by the thief, I might have given my card for someone to use for this transaction. 
6. The XXXX  Police Officer that worked on this case during investigation told chase executive office that staffs from within chase bank compromised my account based on her evidence. 
7. According to Police Investigation, transactions I carried out during the time of theft showed that I could not have been at 2 locations at the same time. 
8. It has been almost 90 days since the incidence took place and Chase Bank can not come up with one logical reason why they denied my claim. 
9. I am a XXXX veteran, rely heavenly on that XXXX check for my upkeep and family. If I had sufficient funds I might have taken this matter up legally. 
Please see the attachment below for full details.
Product: Student loan

This student loan was taken with   XXXX   XXXX   in   XXXX   XXXX  . It is a    XXXX   XXXX   XXXX   wh ich could have and would have been handled through a bankruptcy on me   XXXX   XXXX  . Over the l ast three month s I asked and received from them the original loan application because it has been years since establishment. I have attached files which include my letter to  NAVIENT  and an offer to settle. In addition, the promissory note is included by  XXXX  pages.     By virtue of their rules,  NAVIENT  failed purposely to follow their rules by not speaking up when the bankruptcy was begun. They were notified. Student loans are automatically declared unable to be discharged under bankruptcy without question ; however, NAVIENT knew their loan was qualified to be discharged under bankruptcy. The   XXXX   XXXX   XXXX   XXXX   is a quietly kept secret from bankruptcy attorneys.     NAVIENT sent me a letter   XXXX   XXXX   XXXX   " We 've recently been notified that your bankruptcy case has concluded. Bankruptcy does n't always discharge student loans, and because your loan shown above was n't discharged, you remain responsible for repaying the entire remaining balance. '' I no longer work.
Product: Mortgage

Wells Fargo is failing to properly provide me access to alternatives to foreclosure. Wells Fargo unjustly denied me a modification back in XX/XX/2012 and failed to complete another review of my loan for retention options. My loan is now in foreclosure with a sale date and I am scared that their unfair treatment will cost my family the home we have lived in for 17 years. We had an unfortunate financial setback at the beginning of XX/XX/2012 and missed a few payments. When we attempted to get caught up on our mortgage payments, Wells Fargo turned down our payment. We attempted to get a modification on our mortgage, but they quickly turned us down and then spent SIX YEARS continually finding one reason or another never to finish a complete review. They wanted so many documents and we gave them everything they wanted. However, they said we did not get the documents in on time and shut us down. We became professional document senders and we believe they jut want to take our home away based on the fact that we have equity in our home. We are very far behind and it is their fault of that we have so many payments in arrears. When we speak with them they say they want to help us and they send us letters all the time saying they can help, but when I contact them I get nowhere. I am gainfully employed and can afford a reasonable payment, my loan qualifies for the government assistance programs and I can not understand why they won't start the process of getting me back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions, I have filed a complaint with the CFPB regarding the violations that Transunion is doing. My past complaint numbers are XXXX, XXXX, XXXX and there is more. I sent Transunion several letters and ask for verification and validation of the bankruptcy that is reporting on my credit report and to date, Transunion is violating my Fair Credit Reporting Act rights 609 and 611 by not responding and validating where they received the information. I also spoke to several reps from Transunion and they advised that they validated the debt via the bankruptcy court. I have attached a document that the bankruptcy court mailed to me stating that the do not verify such information. How is it possible that they can report items and not verify where they receive this information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you ( Agencies ) are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2014 someone placed a security freeze on my account without my knowledge. 
As you might imagine I had issues straightening this whole mess out and rebuilding my credit. XXXX says they picked up the report from Equifax, Equifax denies this and so forth. 

I asked Equifax for the police letter which must be on file to freeze credit. They have denied me a copy, then refuted their own position and told me it was not a freze but a fraud alert. 

Until I get to the bottom of this massive inconvenience I 'd like to keep all alerts as they were so I may discern if law enforcement ( XXXX ) wrote their own letter without my requesting it. 

At th same time XXXX XXXX ( then owned by XXXX ) Cancelled my service because they have the right to do so for no other reason but they can- XXXX XXXX XXXX of XXXX XXXX corporate office prepaid division. The number on my credit reports was the old number so when companies called to verify the freeze/fraud they got a wrong number. 

These series of events may be coordinated in order to create havoc in my life but to also discredit me in a case with XXXX.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated and thats against the law I did not give consent/permission for my information to be reported on my credit report and want it removed immediately under FCRA 15 USC 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit union, XXXX XXXX did not process my automatic payments properly due to their system having been changed several times. My payment history does not show ever being more than 30 days late on any account on my credit report. It is extremely burdensome for me to prove that the credit union made the mistakes of not applying the payments properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has me locked out of there system which I have the right to see and try to correct any wrong information on mine credit report. 

XXXX just sold XXXX student loans the end of XXXX that is world news they have reported on my credit report since XXXX? I want my points and this problem fixed. 

XXXX is requesting id bank state or other documents to verify address no utilities bills because I am XXXX, fix it.
Product: Credit reporting or other personal consumer reports

Experian credit report membership which cost {$24.00} a month starts with 1 week free.

Experian makes subscribing possible with one click right from their landing page when you go to experian.com Cancelling was so much work I had to search XXXX for someone complaining and then find a comment that explained how. 

To cancel I had to do the following steps from their web page... 

SCROLL to the bottom of the web page and CLICK " support '' Then click " Help center '' that drops down after that. ( This is down right unethical because there are no other options besides help center under support, it is solely an extra and unnecessary click, with the intent to sow confusion and get people XXXX lost ) From help center page scroll down to membership under browse by topic, click " membership '' From membership click " membership details '' From membership details click the pink " Manage membership plan '' From there you can cancel, I can't remember or repeat the last steps because I'm already cancelled ... .but that was the most of it and it should be easy from there.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling 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 inform me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB, XXXX finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raise serios concerns about consumer safety
Product: Credit reporting or other personal consumer reports

I previously disputed this account with Equifax, TransUnion, and XXXX, as it does not belong to me. Following my dispute, XXXX deleted the account from my credit report, acknowledging that it was not mine. However, Equifax and TransUnion claimed to have verified the account as mine but failed to provide any proof to substantiate their findings. 

I am not liable for this debt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification. 

I request that Equifax and TransUnion conduct a thorough reinvestigation and provide documented evidence supporting their verification. If such evidence can not be provided, I demand the immediate removal of this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my notarized affidavit to the three credit bureaus I called last month and talked to XXXX, XXXX and Trans Union Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent accounts, fraudulent inquires and inaccurate late payments on my credit file even after going to the police dept and filing a police report. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them a full fraud package, I spoke to XXXX who said he was from the fraud department integrity team and stated that and she didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Block the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department The fraudulent accounts are reported on my credit are as follows ; XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX This account was never late and the creditor never verified such inaccurate information XXXX XXXX # XXXX This account was never late and the creditor never verified such inaccurate information XXXX XXXX # XXXX This account was never late and the creditor never verified such inaccuate information Fraudulent inquires ; XXXX  XXXX XX/XX/21, XXXX XXXX XX/XX/21, XXXX  XXXX XX/XX/21, XXXX XX/XX/21