23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a letter from the Federal Trade Commission that the insurance I was paying for was in fact fraudulent. 
I contacted USAA ; the monthly payments for this insurance were coming out of that account ( sometime during the first week of XXXX ). I spent something around an hour on the phone with a USAA agent as she filed claims for all 18 payments individually. I submitted the requested documentation, the letter from the FTC. 
Over several weeks, a few credits appeared in the account ; then reversals started. 
I called a few weeks ago and asked to speak to a claims specialist, and was told I could not. I was told by the agent that reversals could only go back four months. 
Now, some six weeks later, a fifth credit reversal occurred that, for the second time, put my account with a negative balance. 
I just spoke with USAA again. It turns out that they don't handle their own fraud claims or disputes ; they are handled by a third party. This third party seems to be in the business of simply turning down claims. The reversal today was, they said, because requested information had not been received. ( I submitted the FTC letter to apply to all these claims ). I asked to speak to a supervisor and was told one was not available. 
As an aside, a few months ago I put in a claim for a food delivery service wherein I disputed the charge because of raw food ; this also was credited then reversed. 
So, in a nutshell, there is absolutely no fraud protection being offered from this bank. Further, they have no problem crediting customer accounts and then, weeks later, reversing funds leaving negative balances. 
I have a hard time believing this is a bank supposedly watching out for service members. Disgraceful. 
I am currently out XXXX plus XXXX.
Product: Mortgage

this company bought our mortgage from another company and they keep trying to escrow us with everything, now after we have paid our own insureance, which they forced us to get flood insurance when we do not live in a flood zone and our home owners insurance wouldn't cover so we had to go to another company. now there trying to escrow our state tax 's whice we have already paid. and there adding late charges on the bill and adding interest to that. this company is trying to steal money from us and any one else that they hold the mortgage on. the companys name is " Newrez XXXX Shell point mortgage Servicing, XXXX XXXX XXXX Texas XXXX XXXX No matter how many times we call to fix the problems they just keep adding on
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on my credit report for each bureau : Equifax, XXXX, and XXXX My only name is : XXXX XXXX My only address is : XXXX XXXX XXXX. XXXX XXXX XXXX, Michigan XXXX My only birth date is : XXXX My only phone number is : XXXX My only employer is : XXXX  There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Mortgage

I have a mortgage account # XXXX that was orinated with MB Financial in XX/XX/XXXX and sold to Fifth Third Bank. I filed bankruptcy but have retained my home and maintained all payments of my home at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. I requested to Fifth Third and MB Financial to report my mortgage payments and the actual mortgage to the credit bureau. 

This has not been reported since my bankruptcy was filed in XXXX. I am requesting the full 6 year history to be reported to the credit bureaus to reflect that I still have a mortgage and it is currently being paid. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX banks claims I have not made any form a payment towards my credit card but I have, XX/XX/XXXX XXXX XXXX file a missing payment on my account dropping both credit bureaus from 69 points. This is falsely incorrect I need help settling this dispute. I already filed a dispute with one credit bureau, I will starting paying more if I have to to get this issue resolved. This can not stay on my record
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records
of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I went to Wells Fargo office. I want to open my new account. They are unable to open the account. I try to check the credit and I see it said closed account since 2016. How can I get my account back to open my account again?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I bought a Home with my daughter in Maryland and had 3 different quotes from three diffeerent brokers. I chose WFbank as they offered me a rate reduction of 0.125 % for every XXXX XXXX  that i transferred into their portfolio scheme and if I transferred in More than {>= $1,000,000} I could get a rate reduction of 5/8 % based on that offer I applied with WF for my loan and after going through multiple submission of documents I was approved for the loan. I transferred {>= $1,000,000} in My new WF portfolio in XXXX XXXX during the process of approval it appeared that the loan might not go through in time and I transferred {$750000.00} to my Escrow account in case I needed to close the purchase in cash. 
after lot of document submissions and explanation the loan was approved and I transferred another {>= $1,000,000} in the brokerage account to qualify to get the rate reduction. I was provided closing document on XXXX or XXXX of XXXX without rate reduction, I discussed this with WF agent and was told that the rate adjustment would be made on final documents which will be provided on XX/XX/XXXX. 
On XX/XX/XXXX I was informed by XXXX XXXX XXXX, WF mortgage Agent I was working with informed me that his supervisor who was new was denying the rate reduction as it applied to Jumbo Loans only.and my choice was either to close the purchase using the loan or close it with all cash. During the whole one and half month process with all the documents, money transfers and documents no one at WF as much as even raised a possibility that I might not get a rate reduction. on the contrary I was repeatedly assured that I would definitely qualify for the rate reduction.

I have requested WF to preserve all recordings of my conversations with all parties that I spoke with about this loan and their offer of rate reduction based on opening brokerage account and transfer of money and provide me with a transcript of the same. I believe that I was a victim of false advertising or a false promise, unfair business practice and a bait and switch by WF mortgage. 
I spent XXXX extra to get an extension to close the purchase to the seller, plus spent {$1000.00} for travel to sign the closing documents as I had to make another trip due to delay in closing. 
I spoke with XXXX XXXX today and he confirmed that till Monday XX/XX/XXXX he was under the impression that I did qualify for rate reduction and that is what he was passing on to me in our numerous conversations. 
I would like the CFPB to look into this and resolve the issue ASAP or atleast hold WF accountable for its business practices. 
My loan no with WF is XXXX I HAVE ALREADY DISCUSSED THIS WITH XXXX XXXX AT WF EXECUTIVE OFFICE
Product: Credit reporting or other personal consumer reports

Someone opened a credit card with my social security card, and the bank asked me to pay. I asked to send the transaction history records, but the bank didn't give it. My address, phone and email address are different from the bank records, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds immediately stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with Federal Law and provide consumers with the necessary proof of investigation. The problem account being XXXX XXXX and XXXX XXXX. Problem being Late Payments on these accounts XXXX  XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX BANK ACCOUNT # XXXX AMOUNT {$XXXX} XXXX XXXX BANK RAN OFF THIS ENTIRE BALANCE AS A LOSS, IT SHOULD NOT BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECTED. 

THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECIVED A XXXX CANCELLATION FORM FROM THEM AND BECAUSE OF THAT THIS ACCOUNT IS NOT ACCURATE AND IT SHOULD SHOW A XXXX BALANCE
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX : [ Exeter Finance ], [ XXXX XXXX ], [ XXXX ], [ XXXX XXXX ], [ XXXX XXXX ] XXXX : [ Exeter Finance ], [ XXXX XXXX  ], [ XXXX ], [ XXXX XXXX ], [ XXXX XXXX ] [ XXXX XXXX ] XXXX : [ Exeter Finance ], [ 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

XXXX XXXX  has violated the Truth and Lending Act XXXX XXXX. Code 1666 - Correction of billing errors and 15 U.S. Code 1666b. Timing of payments. They are reporting late payments and a repossession on my Experian consumer report which is hurting my chances to get approve for credit. I have not received any letters from XXXX XXXX  regarding late payments nor repossessing. This is reported in error.
Product: Debt collection

Midland Credit Management is reporting a more than 4 year old account that has never been validated, is past the statute of limitations, was charged off by the creditor and taken as profit and loss account by the original creditor. The original account was for XXXX XXXX XXXX. Midland Credit Management is employing unethical tactics such as re-aging the account. This should be shown as a charge off. They show monthly late payments over 90 days each and every month to make the account look currently late each month which is only an attempt to do the most harm to my credit. It is purposely inaccurate and is a misrepresentation ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ). I have contacted Midland requesting validation, and informed them of their errors but they ignored my requests and my disputes. They made no attempt to validate, correct or stop during a dispute period. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX with late payments made every single month since XX/XX/XXXX when no payments have ever been made. There actions violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, and FDCPA Section 806. FCRA Section XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX
Product: Mortgage

Ocwen took over our loan from Litton in   XXXX  . The interest rate on the ARM went up & we co uld n't afford the monthly payment. In   XXXX   XXXX    Ocwen ga ve us a modification at 2 % fixed and {$2700.00} payment which we could afford. In   XXXX   XXXX    Ocwen raised i t to {$3400.00} per month citing negative escrow balance. I called & they said my property taxes went up. Me and my wife work long hours, & it 's tough to find time to make phone calls or go to offices. I managed some time & went to    XXXX   XXXX   Tax  Collector 's office. I was told the property taxes have n't gone up & have stayed at about {$8000.00} per year. After several back & forth phone calls to  Ocwen, th ey could n't explain the reason for payment increase. They asked me to write to their research office in Florida. In    XXXX   XXXX    I sent them a letter asking for details on the negative escrow balance. They never responded.     In    XXXX   XXXX     Ocwen offe red us a modification & we made  two  trial payments of {$2400.00} eah in   XXXX   &  XXXX . They sent us the agreement to be signed and sent back with the last payment. Ocwen was raising our interest rate & adding a balloon payment of {$120000.00} which was never disclosed to us at the beginning. We did n't sign the agreement.     In   XXXX   XXXX    Ocwen ra ised our payment to {$4100.00} of which {$1900.00} is principal & interest & {$2200.00} is escrow. I called them & tried to get the details of how our escrow went negative when the taxes are included in the payment & are paid regularly, but they have no clear answer. We ca n't afford it and they have sent us a default notice.   This is me and my wife  's one &  only primary residence where we live with our  XXXX  kids  XXXX  &  XXXX , & my parents  XXXX  &  XXXX , & we will be in great distress if we lose our home. We are working with Save Your  Home Californ ia to help keep our home. I want to know the reason &  Ocwen t o provide proof as to how our payment went from {$2700.00} per month to {$4100.00} per month in less than 3 years.     On Friday,   XXXX   XXXX  , I read news about the lawsuit CFPB filed against  Ocwen. T hat made me realize that we are not alone. Thousands other families have similar problems. Then I visited this website to file this complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX  XXXX XXXX {$59000.00}, # number ending in XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00}, # XXXX XXXX XXXX {$64000.00}, # XXXX $ XXXX XXXX {$26000.00}, # XXXXXXXX XXXX XXXX XXXX {$9100.00}, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681 c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

I want the CFPB to publish this description on Consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description, but someone may still be able identify me. Learn how it works. I consent to publishing this description after the CFPB has taken steps.
Product: Debt collection

This was sent regarding multiple accounts My request was as follows : Hi, please provide a XXXX The original contract between myself and XXXX  The original contract between myself and January Technologies The FULL ORIGINAL account number The privacy document signed by me with the original creditor allowing January Technologies or yourself access to my personal data Proof of the accuracy of the portfolio complete with my full name Proof of Purchase of the portfolio from the original creditor Proof that the Assignment of Debt rules have been followed Proof of how January Technologies, XXXX, and XXXX XXXX XXXX  arrived at their respective alleged amounts owed.

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 



If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 



If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 



If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 



Tell me when the creditor claims this debt became due and when it became delinquent. 



Identify the date of the last payment made on this account. 

Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 



If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 






I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Experian and XXXX  to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Product: Credit reporting, credit repair services, or other personal consumer reports

As of ThursdayXX/XX/XXXXXX/XX/XXXX 2017 over 140 million individuals have been subject to a breach with credit reporting agency Equifax. I am a potential victim and I would like to file a complaint against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership ( XXXX XXXX XXXX ) along with Audi 's support team could not fix. With help from NJs Lemon Law Team through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with Volkswagen group of America ( which owns Audi ), and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made a XXXX XXXX payment, but XXXX XXXX requested a check from Audi because the account was placed in a protective status. The car was returned on XX/XX/XXXX because of the defects and all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the Volkswagen retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigating my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds in 24 hours the amount is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the customer financial protection act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB, s recent administrative proceeding ( file No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions