23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought my home in XXXX from Gmac Since then it has been sold 2 times to home comings and nor XXXX.
My husband passed away, the loan is my loan only in my maiden name. Last year I noticed they had my load dated as a sign date of XXXX. I never went or signed a new on this home. I put XXXX down and they basil have me back at where I started. I should be only paying the loan no interest at this point. I asked for original loan document and they sent me a copy of a letter with my married name signed. I never signed unsee my marrieded name and I did not marry until XXXX  and they dated it XXXX.
I have been late each month to get to talk to someone because calling them Did not work!! I never refinanced I never pulled out any money on load. The goal was to mortgage free.
Now I have insurance damage to my home. My insurance has sent me checks for a lot of money. Spoke with Ocwen they said my load had to be up to date. I explained why the late fees. They said it has to be up to date. So I paid all late fees. Went to check my mortgage payment went through with all late fees pain. When I called they tried to say I owe another XXXX in late fee to put my money the money to fix my home that I have pain insurance on with the state farm from the first day I bought home. They also have never sent me a escrow overpay. As of XXXX my escrow has the full amount for my taxes yet they are charging me for it. They also changed the loan payment now Please help They are crocks and my home should not cause this much stress.
Name on account is XXXX XXXX Note that they sent has my married signature of XXXX
Product: Credit reporting or other personal consumer reports

The problem with XXXX is their marketing ; the credit was market as a CFA but turned out that they reported as a BPNL which causes the age of my credit to drop accordingly which reduces my credit score dramatically.

No other reason for credit denial was given by other creditors. 

You MUST stop this deception
Product: Credit reporting or other personal consumer reports

Somebody made a hard inquiry using my information, which I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am writing to dispute the accuracy and validity of a charge-off account appearing on my credit report by LVNV funding, aka Resurgent Capital and aka XXXX XXXX. The debt associated with this account has been sold to a third party, and the original creditor ( XXXX XXXX ) no longer owns or manages this account. Additionally, I have not received any documentation, such as a 1099-C, confirming the status of the debt. Its continued reporting as a charge-off by the original creditor raises concerns regarding its accuracy and verifiability.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate disputed accounts to ensure they are accurate, complete, and verifiable. If the information can not be verified, it must be corrected or removed. 

I reached out to LVNV funding, aka Resurgent Capital and aka XXXX XXXX to validate the accuracy of the debt. I received conflicting information regarding the charge-off date. This constitutes an inaccuracy. Please see attachments. 

I requested a copy of the 1099-C XX/XX/year>, from XXXX XXXX XXXX The company 's response is attached.
Product: Credit reporting or other personal consumer reports

This letter is a final demand for the immediate removal of the unauthorized and fraudulent accounts listed below from my credit report. This matter has been brought to your attention multiple times, yet you have failed to comply with the requirements set forth under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

As per outlined in attached dispute letter, the following companies are in violation of METRO 2 COMPLIANCE and FCRA law and in violation of related privacy laws as XXXX XXXX and DOGE were allowed access to my private student loan information with appropriate authorization. As a result, I respectfully request that my student loan information for DEPT OF EDUCATION XXXX AND XXXX  be immediately removed FROM my credit reports with, but not limited to, TRANSUNION, XXXX, AND XXXX to avoid continued breach of privacy and violations of law. 

There are 4 accounts currently reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago I was contacted by a collection agency acting for XXXX XXXX, trying to collect on an account. I have never had an account with XXXX XXXX or any of their affiliates, and when I asked what it was about, they told me it was for cable tv service at an address I have never resided at. They entered a fraud report, and advised me they were returning the file to XXXX as " Fraud ''. Yesterday, XX/XX/2019, I learned that another Collection Agency, Diversified Consultants, of XXXX, Florida, filed a " Collection '' report against me with XXXX, claiming an unpaid bill of {$450.00}. I had no idea what this concerned, so Icalled them to find out what it was about. An employee, who identified herself as XXXX XXXX, with whom I spoke, told me XXXX had retained them to collect on the same claim previously determined ( and, apparently agreed by XXXX ) to be fraud. When I asked them why they filed a Collection report using their name as creditor, I was told that " we are only acting for XXXX, it is not our account. '' This is incorrect, as in that case, XXXX should be substantiating their claim ( which they never validated or verified the last time around ). Diversified gave me XXXX XXXX   number, and I called them and told them the same story, that this is not my account, I have never had an account with them, and have never resided at the place where the service supposedly was. They told me they were sending me a fraud package to complete, and that I would have to go to the police department and file a police report. I do not live in the suburb where the supposed claim exists, have no knowledge of this matter, and told them that I would send them their requested Sworn and Notarized Fraud form, but I did not have the time to go to the police department to file a report, did not know which police department to file it with, and would provide them with every thing else, including an Affidavit. I also advised them that I was upset that their collection agency had wrongfully filed a Collection with XXXX. Within two hours ( I have the ability to monitor my credit files ), I learned that XXXX  responded by filing ANOTHER Collection claim with XXXX. Again, they have not verified or validated their claim, should have information in their file from previous attempts to collect this verifying that the claim is fraudulent. The filing of the second Collection with XXXX   is clearly retaliation for my complaining to them about repeated attempts to collect on an obviously fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 i sent a letter to XXXX XXXX, Experian and XXXX about having the wrong names and addresses on my credit report. they still didn't remove anything. i sent in my driver license and proof of address.
Product: Credit reporting or other personal consumer reports

information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Checking or savings account

Regarding Santander Bank ( XXXX, NJ Branch ) On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his passing, settled his $ XXXX total negative balance, bringing it to XXXX, requested to close the account. The account was not closed. Instead, the bank closed my mother 's savings account, which she was receiving her Social Security check direct deposited. Regarding XXXX : On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his passing. An auto-pay continued to draft {$270.00} from the previously mentioned Santander Bank to XXXX. I notified XXXX of this post-mortem auto-pay, and they have not canceled / refunded it. I then contacted an Account Manager and emailed him a record of the Santander auto-payment to XXXX, and nothing as been remedied yet. Neither bank seems willing to help remedy this situation, and Santander Bank continues to charge {$35.00} insufficient fund fees, as well as keeping the account open, due to the new negative balance.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXX XXXX acct # : XXXX
Product: Debt collection

I rented at the XXXX XXXX XXXX. Since I moved there it was nothing but problems. For starters the gate arm constantly kept falling and one day it fell on me so I went to XXXX because I was so paranoid and scared. I gave XXXX ahead of time and constantly had to deal with stress and nightmares about the gate arm because everytime I went in and out I was worried sick. I was worried that it might fall on top if me or my kids again. On top of that the ceiling and the walls leaked water after it rained. There were areas that looked moldy. There were many many issues and I couldnt deal living there anymore so I left. I now owe about XXXX because I left but who the heck can live in such a unsafe community? I got a lawyer and there was a settlement for the gate arm accident. I tried telling the community that I couldnt not be there anymore because of the ongoing issues the nightmares and the anxiety. I asked if my debt could be forgiven and I was told no. I was told I could pay 60 % if my debt. I said I barely have money Im a XXXX mom with XXXX kids struggling but I got the funds. I asked if I could have this removed from my credit which is my main concern and i was told no. I would only have a settled debt on my credit and it will remain on my credit. How is this fair when the only reason I left was because this place was unsafe to live at. I had continuous nightmares of the gate arm falling on top of me or my kids or the ceiling falling on top of me or my kids because of the ceilings and walls that were soft from getting wet all the time. They should be ashamed of them selves for renting out a place like that and having a gate arm falling all the time. I cant have this on my credit report XXXX a mom thats XXXX with XXXX  kids and only count on my income. I cant even rent a place now and we are probably going to end up under a bridge at this point if this isnt resolved. Please help this is unjust
Product: Consumer Loan

Subject : One Main Financial XXXX : XXXX I applied and was approved for a loan in the amount of $ XXXX received {$1700.00} in my bank account XXXX/XXXX/2017. The reason for the loan was to pay off a high interest payday loan. ( XXXX loan center ). Amount {$1800.00}. 

When I did n't receive the full dollar amount I called One Main and was told they sent a check to Dollar in the amount of {$1800.00} next day mail via XXXX. 

XXXX will not accept checks for payment. ( in contract ). I called One Main after being advised of the contract and the no check policy. I was then told that its up to me to get the check and return it. 

XXXX never received a check. 

One Main advised me that company policy will not issue a new check in my name. It requires the name of the payee and endorsement to the second party. 

Dollar indicated they wo n't endorse the check as they do n't take checks. 

I 've notified One Main and wo n't send me cash to pay off XXXX. 
mean while I 'm stuck with making the payment to One Main and XXXX. One Main refuses to send the money with out the endorsement. ( Loan is {$3500.00} received {$1700.00} ). 

I signed up for auto pay for payment. I need help, as I 've been hung up on XXXX time trying to work out a solution for the lack of pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checking account with XXXX XXXX XXXX XXXX that had approximately {$12.00} in it. It was an account I didn't use for much of anything, as I have another bank account that I use regularly. Around the very end of XX/XX/2017 and beginning of XX/XX/2017, while I wasn't even in the country, several unauthorized small charges were attempted multiple times, prompting XXXX to confiscate my {$12.00} and concoct approximately {$300.00} worth of fees. I explained to XXXX that these charges were not authorized by me and that I wasn't even in the country at the time. Pursuant to XXXX 's instructions, I submitted a dispute form which I still have a copy of. The person handling this dispute with XXXX was very rude in the responses to me, failing to properly adjudicate this matter. XXXX claims I owed them approximately {$300.00}. I would have no problem paying an amount that I actually owe, but XXXX owes me my approximate {$12.00}. XXXX put a derogatory charge off statement on my credit report, which is showing to this day. I have repeatedly attempted to contact XXXX to get this matter resolved, but XXXX has no intention of doing the right thing. That's why I am contacting the CFPB, as I hope to avoid having to travel to XXXX, NC, for a court date, but my next step if this can't be resolved is to take XXXX to court.
Product: Checking or savings account

On XXXX XXXX {$900.00} was withdrawn out of my chime account unauthorized by someone who had hacked my XXXX XXXX which was connected to the chime account. I wasnt logged into my cash app at the time because i was working on getting a new phone. I reported the problem to XXXX XXXX  and chime multiple times but they say it was no error and that i did the transaction myself. I left that amount on my chime just for emergency. They said payment statements proves that it was not an error but how am i supposed to make payments while being hacked they have all the documents i sent but still made it seem like i did it. Till today im still trying to fight against them for this matter.
Product: Mortgage

Beginning XX/XX/year> I applied for a home equity line with Bank of America. 
Sent all pertinent documents. 
On XXXX XXXX I received an appraisal for my home for {$470.00}. 
On. XX/XX/XXXX I received a letter stating sorry we can not approve your home equity line. 
I have a Bank of America credit card with a {$23000.00} credit limit I have been a customer with Bank of America for 18 years. 
I called the bank requesting an explanation for refusal of credit and was toldI would have to have assets in the amount of {$1.00} XXXX. 
If I would have XXXX XXXX  in assets I would not need a home equity line. 
I am XXXX years old, pay my bills on time, have excellent credit. 
This is insulting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau has the following information incorrect on me. 
My name is XXXX XXXX. The following are incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also never resided at the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in response to the recent investigation. I do not agree with the findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : XXXX XXXX XXXX Balance Owed : {$320000.00} XXXX XXXX Balance Owed : {$9.00}. The dates of missed payments reported by these accounts are flagrantly incorrect. I have submitted concrete evidence that clearly demonstrates the inaccuracies in the reported dates. In accordance with the Fair Credit reporting Act, I demand the Credit Bureaus to fix the error on the payment history and update the account for lawful accuracy. As previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or these disputed accounts
Product: Mortgage

It took Flagstar Bank 85 days from the time I applied to refinance my mortgage with them ( XX/XX/XXXX ) to the closing date ( XX/XX/XXXX ). The process was rife with delays on Flagstar Bank 's end, and their delays and mistakes cost me substantially in terms of the interest rate I ended up with ( I was originally locked with a rate of 3.375 % and ended up having to accept a 4 % rate because interest rates were heading higher ). Here is their " resolution '' of my original complaint : " A review of your account determined that a delay occurred when a revised closing disclosure was sent to you. You received the closing disclosure reflecting updated terms ; however, the terms were not locked. We apologize for any confusion or inconvenience this may have caused. '' I specifically instructed them not to do anything to delay the closing of my refinance before they sent me the " revised closing disclosure '' referred to above, so the fact that they did that and negated my rate lock is totally on them. Unless Flagstar Bank steps up with a more fair resolution, it seems my only option is to sue them.
Product: Debt collection

I had my credit pulled for home loan application in XX/XX/XXXX. I was told there was a judgement listed from Portfolio Recovery  Associates ( PRA ). I called PRA and initiallyPRA said I did n't have an account with them, It turned out that it was my ex husband 's ( XXXX XXXX ) account, but I was listed in judgement ( XX/XX/XXXX community property law ). I asked how much the debt was and if I could negotiate something. PRA told me they could n't speak to me about it because it was n't my account. Finally, I was transferred to XXXX XXXX who negotiated a settlement with me. She told me that the total owed was about {$8000.00} with fees and such. I settled it for {$4000.00}. Two payments of  {$2000.00} each, XXXX told me to call a week after the last payment and PRA would send me the Satisfaction of Judgement Document. I called a week after last payment, was on phone for 20 minutes, PRA refused to talk to me because it was my ex husbands account and not mine. I called about 4 times in a week. Finally, PRA would speak to me and each time I was told something different. I never received SOJ and I later found out from the courthouse in XX/XX/XXXX that the judgement had expired and was n't even valid anymore.
I feel that PRA collected on false pretense and the agreement I entered into was for the judgment against me, ( which didnt exist at the time ). The account was never mine. I to this day never received a SOJ. I am extremely frustrated are hoping that you can help.
I never knew about judgement because my ex was served and not me. We lived in XX/XX/XXXX during judgement service, XXXX. I just paid this in XXXX, I currently live in XXXX
Product: Debt collection

Explanation of complaint : These people are calling and threatening to send police out to my house to arrest me, The have called my husband with same threat and called our son to tell him his dad was going to get arrested too. They call from XXXX, XXXX, XXXX. My family is afraid and need this to stop. Please help.
Product: Credit card or prepaid card

I have used my Bluebird account for over 5 years with no problems. I have money in my account but was sent an email saying my account was suspended with no explanation as to why. My paycheck and my tax return is scheduled to deposit into this account that I can not access. I can't access any of my wages. American Express has told me I can only get a reason and request a refund by mail. I can not support my family without my wages.
Product: Bank account or service

My wells Fargo account online was apparently breached by some scam artists and this comp is trying to blame me. Why on earth would I tamper with my own finances??
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiry ( XXXX XX/XX/2022 ), which are a clear violation of my consumer rights. I have disputed this inquiry with Equifax, providing evidence and documentation to support my claim that I did not authorize this inquiry and that they are inaccurately listed on my credit report. Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiry from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. I am writing to request that Equifax takes immediate and corrective action to address this issue in compliance with the FCRA. Attached you will also find my ID, and Proof of Address with my most recent bill.
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 violates 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. Furthermore 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 I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports from your bureau, I have identified several inaccuracies and misleading entries : Account Status : XXXX shows that the status is PAID but TransUnion XXXX XXXX shows DEROGATORY Date Opened : TransUnion indicates XX/XX/XXXX but XXXX XXXX XXXX shows XX/XX/XXXX No. of Months ( terms ) : XXXX credit bureaus stated " 72 months '' and the other said it's XXXX High Credit : Some declared an amount of {$15000.00} and the other one shows {$6900.00} Last Reported : dates are very outdated Date Last Active : varies from XXXX credit bureaus to another Date of Last Payment : Incomplete details Two-Year payment history : XXXX shows current from XX/XX/XXXX - XX/XX/XXXX yet XXXX shows Charged off from XX/XX/XXXX - XX/XX/XXXX. While TransUnion shows only blank information. 


Hence, due to this undeniable inconsistent and inaccurate report of yours, I was compelled to file a report and escalate this matter to the Federal Trade Commission to seek for further assistance.