23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Account #  XXXX  ; reported late payments  XXXX   XXXX . We applied for a loan modification on a property we owned. We were told that they would only grant a modification on a loan that was 90 days in default before they would even talk to us. We allowed the mortgage to go the 90 days and were then told that if we made any payments, it might restart the calendar, so we deposited the mortgage payments into a savings account so we could settle the account at the end of the process. In the meantime, their collection department called on a regular basis, threatening foreclosure. We told them we were applying for a loan modification, but they refused to verify this with the loan modification department. The collection department sent the loan into foreclosure while the loan modification was still in process. We paid the default amounts, legal and court fees and THEN got an offer of a loan modification. The terms of the modification were actually WORSE than the original loan, so we turned down the loan modification. We feel that Saxon Mortgage acted in bad faith during the transaction. We followed their instructions and they reported us as being delinquent. We only followed their instructions for getting a loan modification. We had the money to pay during the application and they took a whole year to offer a loan modification with terms worse than the original note, which we chose to reinstate. We feel they acted in bad faith and then damage our credit for following their instructions.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

PHH/Ocwen is trying to steal my house. The FHA subsidizes all losses on this property. Their response to XXXX fails to address why the valuation appeal was denied and why that denial was communicated XXXX  days after the judicial sale, see the XX/XX/24 letter attached. This sole action violated their own rules ( see their reconsideration of value process below ) and why they " repurchased '' my home at the judicial sale for an overvalued price violating the heir payoff process and HUD 's rules/laws governing reverse mortgages that grants heirs the sole exclusive right to purchase the property at XXXX % of the current value. The following ( XXXX ) questions need to be answered, XXXX. Why was the appeal denied and provide the qualitative data XXXX. Why did they proceed with the judicial sale before resolving the appeal as per their own reconsideration of value process? XXXX ) Is PHH going to self-correct this violation by submitting me the previously rescinded contract of {$52000.00} which will be wired to them within XXXX days? 

PHH violated their own process, see following : RECONSIDERATION OF VALUE PHH is committed to ensuring any valuation used in our servicing practices are independent, and are free from bias, discrimination and undue influence. If you believe that any person has attempted to influence the real estate agent, broker or the XXXX for your propertys valuation or if you have any concerns with the factual or other errors or omissions, inadequate comparable properties, reliability or credibility of the valuation in any manner, please report your concerns to us as soon as possible with evidence to investigate this matter by writing to the address below : PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was announced XX/XX/XXXX that there was unauthorized access to data controlled by Equifax from mid XX/XX/XXXX through XX/XX/XXXX. Rather than contact people individually and personally, we found out via a press release, and had to verify our identity through their own site to find out if we were affected. I checked today ( XX/XX/XXXX ), and I 'm on the list of potential victims, where my SSN, license number, addresses, and birthday are compromised. That 's more than enough information to allow someone to open new lines of credit in my name, or otherwise compromise my financial standing. The company 's resolution to this is to enroll with their TrustedID partner for protection and monitoring, but the service only lasts for one year. My information can be used for significantly longer than a year, however, as my social security number can not be easily changed without identity theft having occurred, changing my name would be silly, my birthday ca n't be changed, and my addresses are impractical to change. This service is not free after the first year, and we also can not enroll immediately- we 're assigned a day that we can enroll, and mine is n't until the XX/XX/XXXX. We 're also given information on freezing our credit reports, but that 's not free unless you 're already a victim of identity theft.
Product: Payday loan, title loan, or personal loan

Yesterday I discovered I was mis sold a front loaded XXXX loan by XXXX XXXX ( see attached email ) from XXXX. I was looking for stop gap ( XXXX week ) loan with no prepayment penalties instead I was sold a front loaded 9 month loan. 

When I contacted XXXX customer service to get the payoff amount and was told I need to pay 75 % of the 9 month interest. This is when I reached out XXXX XXXX cced from XXXX ( XXXX 's XXXX ) to complain about mis selling and abuse of fiduciary trust.
Product: Credit reporting or other personal consumer reports

Recently, I disputed verification of inaccurate accounts reporting on my credit report. I requested a description of the procedure the bureau used in providing all information to the original creditor in processing my dispute under FCRA XXXX ( a ) ( XXXX ) ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

I have not received any information regarding this information that was requested on XX/XX/24. 

I will attached my letter I sent and certification mail receipt
Product: Consumer Loan

I had a car loan and at the end an amount was charged off. Within a month of the chargeoff, the remaining balance was paid in full. This is no longer an outstanding debt.
Product: Vehicle loan or lease

Credit acceptance charges and interest rates make it impossible to pay off fell a little behind and the payment agreement they offer is impossible. They want my XXXX a month XXXX plus XXXX every pay period making defaults on agreement almost a guarantee then only offer the same agreement. No matter what I offer I need help
Product: Debt collection

XXXX XXXX XXXX is pretending to be a law firm named XXXX XXXX XXXX. They are calling and threatening to sue and/or garnish wages. They are calling and harrassing myself and my family. On XX/XX/XXXX, I received a phone call from an unknown number. Someone claiming to be XXXX XXXX at the mediation office of XXXX XXXX XXXX needed me to call them due to a breech of contract. I also receive texts and phone calls from family because these individuals called family members as well. I call them back and they tell me I owe {$730.00} for a payday loan with XXXX XXXX  or they are going to serve me court papers and garnish wages. I tell him I have already paid it and he stated that the company I paid is not in the chain of command and it would have to be paid again. He tells me XXXX XXXX XXXX is suing me on behalf of XXXX XXXX XXXX and I need to resolve the debt. I hang up and call Cash Central, they tell me they dont know who this company is and they did not sell the debt to them. I call back and a lady answers stating that XXXX XXXX owns the debt and I have to pay it again. She gives me a phone number for XXXX XXXX XXXX. I call the number and the guy tells me he doesn't care if I have paid the debt or if I have proof, XXXX XXXX XXXX are suing me for the debt. I call XXXX XXXX XXXX back and am told that for {$700.00} I will not be sued. The original loan was {$300.00}. They ask how much I can afford to pay right away so I said {$350.00} on XX/XX/XXXX and another {$350.00} XX/XX/XXXX. I ask the guy, XXXX, how do I know if this is going to be resolved because I paid it last year and now im having to pay again he said he would send me a payment agreement email, they couldn't send via mail. Later that night I read the email and it looks suspicious. So I check the California Secretary of state site to see if XXXX XXXX XXXX is an actual company and it doesnt exist. I XXXX   them and find nothing. I search for the address on the letter and its a virtual address, not real. I call them on XX/XX/XXXX, and ask who the attorneys are that own XXXX and XXXX. XXXX asks why I am needing this info. I then tell him I need to cancel my payment. He transfers me to " XXXX XXXX '' who threatens me and yells at me and tells me they verified my employment and are going to garnish my wages. 

This company contacted me about this last year using the same tactics. This is harrassment and I will be reporting them to the state attorney general for unauthorized practice of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Integra Credit for their negligence in updating my charged off account to XXXX to show that the account has been paid in full. Despite providing Integra Credit with proof of payment, they have not taken any action to update my account and this has caused significant harm to my financial standing. 

I have made a full payment to Integra Credit to satisfy the debt, and have provided them with documentation proving that the account has been paid in full. However, Integra Credit has not taken any action to update the status of the account with XXXX. As a result, my credit score has suffered, and I have been denied credit and loan applications. 

I have made several attempts to resolve this issue with Integra Credit, but they have not been responsive. I have contacted their customer service department multiple times, but they have not taken any action to resolve the issue. 

I demand that Integra Credit immediately update the status of my account with XXXX to show that the account has been paid in full. I also request that Integra Credit compensate me for any damages that I have suffered as a result of their negligence. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting Experian XXXX and monitoring services and XXXX several different occasion, and speaking with supervisors and representatives, they send have not corrected the error. The XXXX  XXXX XXXX XXXX minoring company say Experian and XXXX is not reporting in a timely manner to these monitoring companies in order for them to correct the error 's that's effecting my scores. I notice after paying my credit card billed over two months ago, it's still showing a balance and the reason being is the 2 credit reporting agency is not reporting timely and this should not be happening.
Product: Credit card or prepaid card

To Whom it may concern, My complaint/dispute is described in the attached document XXXX XXXX XXXX XXXX  ( XXXX  ) was the free seminar which I attended in XX/XX/XXXX where I bought a 3 day workshop for {$990.00}. This workshop wasnt valuable and they did not allow us to document what they are teaching on the whiteboard, by taking pictures or other means. 

I already filed the dispute on XXXX XXXX  and waiting for their reply. 



After the 3 days, they pushed indecently for us to buy their program for {$24000.00} by promising us to get help until we get our investments back. Upon telling them I dont have this money, they said they will assign me with this company ( XXXX XXXX  ) to call different credit card companies and obtain the needed funds. I found out later that their real name is XXXX  XXXX. I paid {$3500.00} to this company as well. I was not given any time to read the contract. It was just one piece of the disclaimer, Please see attached. 
So I purchased the program through Chase credit card. 

After trying to launch my product with their poor advice and I failing, I had spent another {$5000.00} worth of expenses. They did not have any system in place not did their coaches have any knowledge. They did not render their services. 

They only refunded me {$5000.00} after a year, even though I had to pay a 14 % interest rate on the loan. 

So, I paid about {$30000.00}, did not make any money, am facing a big debt and cant even move forward with my business. 

I have all the documents along with further proof for your convenience. 

This company was shut down by the Federal Trade Commission for fraudulent practices. and it is no longer in business. 



I found out later that there were hundreds of complaints on XXXX XXXX XXXX against them. 



We was informed by the government ( FTC ) on XX/XX/XXXX that they shut down XXXX and there is a law suit against them. 



I am attaching the FTC website that advised us to call the credit card company to request a refund. 

Please see the attached paper. 

Also, please see the receipt of the payment and the statement. 

Thanks for your help XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  has continuously and falsely verified this alleged account. XXXX, equifax and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector ( synerprise ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Product: Credit card

XX/XX/year> XXXX  XXXX XXXX Disputed Charges XXXX XXXX XXXX XXXX, Texas XXXX Dear Sir or Madam, The reason I am disputing this charge is that it was an unauthorized transaction. I had saved my payment information in XXXX due to a prior purchase through XXXX involving a different merchant. Unbeknownst to me, XXXX had inadequate protections in place to prevent unauthorized transactions. I had never visited this merchant before and had no interest in their products ; however, an order was placed via XXXX while my phone was in my pocket. Unlike other services such as XXXX that requires you to double-click on a side button to confirm an order, XXXX has no protocols to prevent pocket orders. When I pulled my phone out of my pocket, I saw an unauthorized order had been placed. I immediately contacted the merchant via a link on XXXX and noted that I had never placed this order and did not want the item. The merchant indicated that they would cancel the order. However, they failed to do so, and the item shipped out. I contacted them via email numerous times trying to remedy this issue. Their responses seemed automated, almost as if they had been written by Artificial Intelligence. I repeatedly asked for a return label so I could return the product and be refunded. However, they would never send the return label, instead referring me to another link that did not function. I am attaching email correspondence showing that I reached out to this merchant on numerous occasions. I also filed a formal dispute with XXXX. Their customer service was abysmal, and I could not reach out to them following the methods specified via the app. [ I intend to forward this correspondence to the FTC so that the FTC can look into XXXX and XXXX  business practices. ] Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquiries attached on my credit reports are not done by me I believe they are fraudulent inquiries so I am requesting for your full investigation about this.
Product: Credit reporting or other personal consumer reports

My wife and I filed for Chapter XXXX bankruptcy on XX/XX/year>. It was dismissed on XX/XX/year>XXXX XXXX XXXX days later. All XXXX credit bureaus continue to post the bankruptcy on my report. They state they can report it for a total of XXXX  years. I wrote a good-will letter to each agency asking them to please remove this non-event to no avail. I never filed ever. I am not able to get approved for standard rate loans or insurance.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Shellpoint Mortgage Servicing regarding Loan, a home equity loan that was fully paid off on XX/XX/year>. 

Despite the loan being satisfied in full and Shellpoint having full documentation of this payoff in their system, my credit reports with all three major credit bureaus still show the full outstanding balance as if the loan remains unpaid. This is inaccurate and a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and timely reporting of account information. 

I have contacted Shellpoint multiple times, and they now claim that they have reported the account correctly. However, they are asking me to provide proof that the credit bureaus are showing incorrect balanceseven though Shellpoint is the furnisher of that information. This makes no logical sense and demonstrates a failure to take responsibility for the accuracy of the data they report. 

This incorrect reporting has already caused harm to my credit standing, and is actively affecting my ability to secure rental housing and access financial services. I am requesting that your office investigate this matter and require Shellpoint to take immediate action to update the account to show a Paid in Full status and a {$0.00} balance with XXXX, XXXX, and XXXX. 

Thank you for your assistance and time.
Product: Bank account or service

Paypal limited my account with no choice of appeal or fair hearing. Operating in restraint of consumer rights. It was so bad that it destroyed my means of safety, security, and income online. They left me vulnurable to online predators and thieves. I hope you can address the issue quickly and have this dealt with. Im an ID victim and they just dont seem to care at all. The monopolize the market with competent secure media for financial transactions and chose to dictate the terms in the marketplace. Again operating in restraint of trade. I want my account reinstated without hesitation and equal access as a consumer to their product.
Product: Mortgage

The company responded to our complaint, # XXXX, however, in their response they attached a corrupt file that can not be opened.
Product: Money transfer, virtual currency, or money service

I sent a payment to a coworker. 

This payment was returned and both of our accounts were frozen. 

They asked us for our ID Cards. We both sent in our Driver 's Licenses. 

Then my account was closed, with {$2000.00} in it. And I was told I had to wait 180 days for the money to be returned to me. 

I read their Terms of service and the transaction to my coworker in no way violated their terms of service. 

I reached out to them again for an explanation and am not being given an answer as to what rule I violated. I feel like their algorithms are running wild and canceling accounts with no human oversight, as if a human were to look into this I don't believe my account would be canceled. 

I need access to my money, it is alot of money to me, and is creating undo stress and hardships for me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, I am writing to formally dispute the inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : 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 I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

When I set up my checking and savings account with Bank of America, I was assured that I didnt need to opt out of the option to allow my card to work when the account was overdrawn, because I had set up my overdraft protection. Imagine my surprise this morning when my account was - {$400.00}. Had I known on Thursday that my account was overdrawn, I wouldnt have spent all weekend using that account.