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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

This was an issue in loan closing for the house we bought from Lennar in XXXX. My wife and I felt that pages of signed Loan Documents we signed from the assigned Mobile Notary were lost. XXXX was the designated title company for this particular deal and they contracted a mobile notary to come to our residence in XXXX to sign the loan documents. This procedure was meticulously undertaken and took over an hour to complete. Thick duplicate copies ( loan documents ) were left in our possession wrapped by a rubber band when the notary left. We were also told that she will review these signed documents, stuff it in an envelop and mail it overnight to XXXX. The following day, we got a call from the loan officer who informed us it can not be recorded since there are missing loan document pages and he was told that these pages were retained by borrower. Since my wife and I were in XXXX on XX/XX/XXXX, we drove to the office of XXXX to sign the alleged missing paperwork that day. Much to our surprise, the in-house notary brought out more than 10 loan forms that needs to be re-signed and most it, based on our recollection, were presented and signed in our residence in the presence of mobile notary. It presented a big red flag since it now appears somebody has these missing documents with our signatures. It was also discovered by the in-house notary that the Loan documents we were signing were in error since only my wife 's name should be in the loan and the Title will be in both our names ( underwriting error? ). This precipitated the re-drawing of a new loan documents. So we ended up signing 3 loan documents for this purchase. 
But recent email sent to me by the Title company contains a flimsy excuse to close this issue. They have accepted the mobile notary 's explanation that in the course of printing the second set of loan documents, the printer run out of ink and has to go to an errand to buy replacement. This caused skipping pages, thus the missing documents. However, due diligence will dictate that one has to compare the pages on computer file and the printer output. Another way is to compare the last printout with the first set that was complete ( We were told that we have the first batch that is why it is complete ). Surprisingly, the notary came to our residence without counter-checking the integrity of these loan documents. Finally, after leaving our house, the notary went to the office where an audit could have been performed prior to mailing these documents. 
I know that an admission for losing pertinent credit information, deliberate or accidental, is a serious matter since it put borrower 's information in jeopardy. In today 's technology age, one can not just ignore being victimized by fraud. This is our biggest concern regarding this matter and there has got to be an acceptable explanation to keep borrowers at ease.
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account Number XXXX, Account Name XXXX XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX  Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXXXXXX XXXX  Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX Account Number XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven ( 7 ) 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: Credit reporting, credit repair services, or other personal consumer reports

I recently had received this on my credit karma app. To apply for a credit card through XXXX  XXXX and says my approval is good. I now have a hard inquiry on my credit score. This happened on XX/XX/2022. I have all the documents to provide for these issues that I have been dealing with. It's misleading and now I have to suffer decrease in my credit score from this being denied.
Product: Credit card or prepaid card

I applied in late XX/XX/XXXX for a secured card w/Capital One. I received my card in the mail in late XXXX, and attempted to activate it. I was informed I had to go through additional fraud protection screening. While this screening was in-process, I was informed there was an error with my deposit and that I needed to contact customer service to rectify the issue. I attempted to do so, and was unable to fix the deposit due to the fraudulent flag on my account. I was instructed to await the fraud department 's decision. As of today, XX/XX/XXXX, the fraud department has cleared the account -- however when they went to activate my card so I could use it, they were unable to as the account had been closed by another department due to the fact I did not rectify the deposit issue in time. I was instructed to reapply for the card, which I did and was promptly declined as I had already recently applied.
Product: Debt collection

This debt has been showing up on my credit report since XX/XX/2017. I have absolutely no knowledge if this account and know for 100 % certainty that I have not applied or received any loans for nearly {$5000.00} in many years because I have been working on fixing my credit. The last thing I would do would be to get in more debt while trying to get out of it. Each time I dispute the charge, I get the response " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' I don't know what that means. I want this taken off my credit report. This is a mistake and I have zero knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : XXXX XXXX  XXXX RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX ( TWICE ON DATE ) XXXX XXXX XXXX XXXX ( TWICE ON DATE ) XXXX  XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to TRANSUNION resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX Balance : {$5600.00} XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX : {$6200.00} XXXX XXXX XXXX XXXX XXXX : {$5700.00}.
Product: Money transfer, virtual currency, or money service

Zelle wrongly send money to another person her name XXXX her phone number is ( XXXX ) XXXX I tell her give my money back she is not doing I talked to zelle no respond.
Product: Consumer Loan

When I got my loan with Fifth Third Bank on XX/XX/XXXX, I was given a coupon book with 180 payments at {$340.00} per month. I made every payment. 

In XX/XX/XXXX, my company downsized due to the recession. I was unemployed until the end of XX/XX/XXXX. During that time, I struggled to make the payments but managed to make every one. If I was late, I paid the late fee indicated on the coupon. Since XX/XX/XXXX, I have been employed regularly and I have made all payments on time or early. 

I called Fifth Third in XX/XX/XXXX to ask for the payoff thinking I owed just a XXXX dollars. I was shocked when they told me I owed {$9000.00}. I asked my former wife to investigate and she tried unsuccessfully to figure out the difference. 

One thing she was told is that the bank had purchased insurance coverage for around {$1200.00} at some point during the loan, but we had coverage on the boat at all times. We took proof of coverage to the Fifth Third branch on XXXX when we were first notified. They were supposed to cancel the insurance. We heard nothing more so we assumed this was done. 

The remaining roughly {$6000.00} difference was explained by the bank as 'simple interest ' but my former wife could not determine where the differences were from the payment records the bank sent her. I ordered a new coupon book expecting to see the new amount. Instead, the coupon book I received on XX/XX/XXXX showed the same payment amount of {$34000.00} and the same number of coupons remaining. 

I counted down the months to my final payment. On XX/XX/XXXX I proudly wrote a check for my final payment with the notation on the check " paid in full ''. It was a happy day. However, on XX/XX/XXXX, I received a letter from XXXX Fifth Third saying I still owed {$6600.00}. 

Throughout my loan, I never received monthly statements from Fifth Third showing the outstanding balance. I thought my outstanding coupons represented the total amount I owed. If this was simple interest, why was I given a coupon book showing my payment ending XX/XX/XXXX and not a monthly statement like my simple interest Visa card does? 

This is unfair and deceptive. I never knew until I called about the payoff that I was getting off track. Not one letter from Fifth Third or one statement balance was received from Fifth Third during the fifteen years that I had the loan. I asked for a new coupon book after the payoff request I made, and I was given another misleading coupon book. Now after fifteen years of payments, I am being told I have to pay them {$6600.00} by XX/XX/XXXX. Can you help us resolve this matter?
Product: Mortgage

Dear Sirs : I am filing a complaint against Wells Fargo for denying me a loan modification and for denying me an appeal, as well. 
I believe that I am entitled to a modification because my son, who is co-borrower, lost his jobs on several occasions and was denied unemployment. Although he has found other employment, He is not earning as much as before. We have gotten behind in payments and we are not able to afford the mortgage. 
If you could stop the foreclosure process and make my payments affordable, I will be grateful
Product: Credit reporting, credit repair services, or other personal consumer reports

De

ar, Credit Reporting Agency I am writing in regards to my account with your institution. On a previous occasion, I requested proof of 24 late payments that were reported to consumer reporting agencies, despite my assertion that I was never late on payments for this account. This request was made in accordance with my rights under the Fair Credit Reporting Act. In response to this request, I received a response via the Consumer Financial Protection Bureau ( CFPB ) that did not provide the requested documentation to support the reported late
payments. As such, I am demanding the immediate removal of all associated late payments from my account. 

As I have previously stated, I have never been late on payments for this account, and I believe that these late payments have been reported in error. I trust that you will conduct a thorough investigation and promptly correct any inaccuracies in my credit report. 

I would also like to request that you provide me with documentation showing the removal of the associated late payments from my credit report in accordance with 15 U.S. Code 1681i ( d ). It is my understanding that any person who has received a consumer report containing the deleted or disputed information within two years for employment purposes, or within six months for any other purpose, should be notified of the deletion. 

Thank you for your prompt attention to this matter. I look forward to a prompt resolution.
Product: Bank account or service

I bank with Key Bank, and have for many years, having XXXX accounts with them. In XXXX, 2014, I began to pay the wrong amount on my line of credit -- {$1200.00} vs. the correct amount of {$1300.00}. This went on through XXXX -- XXXX months. My error. However, Key did not notify me of this uncharacteristic behavior, instead issuing me late fees, while not notifying me of that, either. I made timely, if erroneous, payments -- only XXXX, actually, in an XXXX month period, while never being called by Key. XXXX the late fees and the accrual of the amount owed ( {$400.00} total ) led Key to submit this to credit reporting, again with no notification to me of their action. When I began the process of refinancing my mortgage, the error was " discovered '' by my financial consultant, who had pulled credit. When I went to talk with Key, seeing if there could be some resolve to this, they rejected any form of leniency, denying responsibility.
Product: Mortgage

My mortgage loan was transferred to Chase effective XX/XX/2019. In XX/XX/2019 Chase, without notifying me, increased my payment. This increase was in violation of the original terms of the loan. The loan was established with a fixed rate, 30 year term, with no escrow for taxes or insurance. I pay the taxes semi-annually and the insurance is paid annually in XXXX, both are paid and are up-to-date. 

When I called Chase to try to resolve the problem I was kept on hold for over 40 minutes as a " Supervisor '' researched the issue. Clearly Chase, despite having cost American taxpayers trillions of dollars in a bail out that was necessary because of their greed continue to operate like a criminal enterprise. They illegally increase costs to customers and when confronted delay responding to any complaint.
Product: Checking or savings account

Money was being sent on XXXX without my knowledge. No disclaimer on XXXX. When tried to complain I didnt get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

The background check company Checker, has not only relayed false information to a potential employer regarding my Motor Vehicle Report. The information they relayed is that 1st ; I have no license. 2nd ; my drivers license is suspended. 3rd ; That I have a failure to appear in traffic court for a moving violation. 
This is completely inaccurate information that has been relayed to a very prospective imployer.
Product: Student loan

My wages have been garnished for this since 2010 and my employer says it was paid as per court docket now 5 years later GCServices is trying to collect additional funds and will not send me proof of all payments and total collected my employer states in access of XXXX and my pay stubs prove it just want to know how these companies can recollect the debt all over and start with harassing phone calls for a debt I know is paid in full
Product: Credit reporting or other personal consumer reports

I made a request to have the fraudulent information from Ideal Collection Services XXXX removed from my credit report, made request to the collection agency and the credit bureaus, XXXX and XXXX removed the information without any questions asked, since the collection agency could not provide any evidence that the debt belonged to me, Experian still reports this debt, despite the fact that I provided the FTC report.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate : XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, OFFICE OF THE ATTY GEN Account # : XXXX
Product: Mortgage

On XXXX XXXX, 2017, XXXX XXXX XXXX provided a renewal offer of our homeowners insurance policy. THE BILL CLEARLY SHOWS {$2700.00} AS DUE TO PAY IN FULL. On XX/XX/XXXX, Ocwen deducted {$2900.00} form our escrow account for Ins Disbursement : XXXX XXXX XXXX. SAID PAYMENT BEING {$140.00} IN EXCESS OF THE AMOUNT DUE & SHOWS NOWHERE ON THE BILLING STATEMENT. We contacted Ocwen by telephone on XXXX XXXX 2017 and was told that they did not know the payment was {$2900.00}. The rep even went so far as to tell us that the amount due according to their computer system was {$2700.00} but that it did show a payment was made on XX/XX/XXXX in the amount of {$2900.00}. The rep assured me that the Insurance company would issue a refund & that if sent to them they would credit it back to the escrow, however, if it was sent to us we needed to forwarded it to Ocwen to be returned to the Escrow account. I informed the rep that I did not recall seeing that requirement in our mortgage agreement that we must return to Ocwen refunds from over payments that are their error. He was insistent that since it came out of the Escrow Account it must be returned to the Escrow Account. Following the phone conversation we wrote Ocwen Insurance Department & the Ocwen Consumer Advocate/Ombudsman concerning this overpayment. WE SIMPLY ASKED TO BE PROVIDED WITH A WRITTEN EXPLAINATION OF WHY THEY PAID {$140.00} MORE THAN WAS DUE, HOW THEY CAME UP WITH {$2900.00} DUE WHEN IT IS CLEARLY PRINTED ON THE BILL THAT ONLY {$2700.00} WAS DUE. Today, XX/XX/XXXX, Ocwen called & left a voice mail stating that they had spoken with our insurance agent and that a refund would be issued and sent to us as the insured. We were once again advised that we need to forward that to Ocwen to be returned to the Escrow Account. WE ARE STILL WAITING FOR AN EXPLANATION OF THE ERROR HOW THEY CAME TO PAY MORE THAN WHAT WAS CLEARLY SPECIFIED AS DUE. This is NOT the 1st error that Ocwen has made with our Escrow Account. We are still missing {$42.00} from an over payment Ocwen made to the county in XX/XX/XXXX -- the bill clearly stating 1 amount & Ocwen deducting a greater amount from our Escrow with no refund or credit having been received 8 months later. We are aware that Ocwen was sued in XXXX 2017 in part due to error in managing Escrow Accounts .... & we have long held suspicions over some of their escrow practices. Clearly, getting sued last XX/XX/XXXX has had ZERO effect on their practices today as this error mimics many of the errors that resulted in CFPB filing suit against them!