23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been trying to correct errors on my consumer report and on XX/XX/year> Equifax wiped everything off of my report. I can not review my report, nothing shows on my report. When I log in online I get an error code BLNK. I called and spoke with Equifax Office of Consumer Affairs to get it corrected on XX/XX/year> and they did not help to correct the problem. I am unable to obtain credit because my file is conpletely blank.
Product: Mortgage

Hello I am writing this concern/complaint regarding my mother 's house that is in foreclosure. I am not sure where to turn to for help other than here. 

My mother passed away in 2015 and she was the owner of the house. My mother 's name is on the mortgage as well the sole payee. Once she passed, the mortgage was unable to be taken care of. My father ( Senior Citizen ) could not take care of the payment, for it was too high. He went into XXXX   XXXX. 

The original loan was handled by XXXX. My sister tried to work with them, but they toiled with her for so many months. Then, one day, the loan was given to ShellPoint Mortgage which we are still confused about. We tried to work with them, but nothing. After that, we were told that someone else is in charge of our loan, but have no idea who. 

We are in state of confusion about what is happening. No one is talking to us or explaining really what is happening. 

I read that you have policies in place to protect the passing of loved one 's who where owner 's of homes, as well the heirs to the homes. We were not given any instruction or help in regards to that. 

At this point, we are in dire need. We were not aware of your service before and looking to you for help. 

The amount of the loan is around {$300000.00}. My mother was the owner. The original bank owner was XXXX. We are based out of XXXX, California. 

My email is : XXXX Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts that appear on my credit report which I do not recognize. I have carefully reviewed my report and found several accounts marked as negative that I neither opened nor authorized. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed Accounts : 1.Creditor Name : XXXX  XXXX BNK Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX 2.Creditor Name : XXXX  XXXX BNK Account Number : XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX 3.Creditor Name : XXXX XXXX Account Number : XXXX Balance : {$530.00} Date Opened : XX/XX/XXXX 4.Creditor Name : XXXX XXXX  ( Original Creditor : XXXX XXXX UTILITIES ) Account Number : XXXX Balance : {$440.00} Date Opened : XX/XX/XXXX 5.Creditor Name : XXXX XXXX Account Number : XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX 6.Creditor Name : XXXX Account Number : XXXX Balance : {$460.00} Date Opened : XX/XX/XXXX 7.Creditor Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX 8.Creditor Name : XXXX XXXX Account Number : XXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX 9.Creditor Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX Date Opened : XX/XX/XXXX 10.Creditor Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$960.00} Date Opened : XX/XX/XXXX
Product: Mortgage

Ocwen Loan Servicing is a white collar crimes slimy operation with several legal troubles because the slimy operation and its shady lawyers are using forgery and fraud, manufactured documents, slander of title, malicious threats, violations, embezzlement, manufactured force place insurance policies, false principal balance, false payment history and other fraudulent fronts, and then uses its cozy relationship with slimy white collar crime operation XXXX and the XXXX XXXX XXXX as a weapon against me committing fraud in the county recorders office slandering my title threatening me with the illegal seizer of my home claiming to have person knowledge and have reviewed all the phony fraudulent manufactured documents using malicious threats threatening the loss of my home if I don't pay the pretender lender loan servicer hundreds of thousand of dollars in increased principal balance balloon payment loan modification releasing shady Ocwen from liability. For once, XXXX XXXX is correct we will address all of these fraudulent fronts with evidence before a grand jury, the California State Bar, the City of XXXX XXXX and the Police.
Product: Mortgage

We are receiving XXXX mortgage statements each month from PHH Mortgage ( Mortgage Service Center ) since the company assumed our home mortgage XXXX XXXX. I called the company XXXX XXXX and was told that they send a monthly notification statement and also generate a statement when they receive a payment. This creates confusion and a potential duplicate payment to be made if XXXX does not pay close attention to the Payment Due Date which are the same date. The statements are identical forms with XXXX showing transaction activity of the last P & I/Escrow payment and the second statement showing no transaction activity. The only significance of the second notice is to identify next payment due date already identified on the previous statement. XXXX statements have same Payment Due Date. I 've paid multiple mortgage companies over the past 30 years and this is the first company that has issued XXXX statements per monthly cycle. Upon speaking to the PHH Mortgage customer service representative they stated that federal law requires them to send a statement when a payment is made. Unless I 'm missing something, the ''Dodd-Frank Wall Street Reform and Consumer Protection Act '' XXXX XXXX XXXX only requires the creditor to notify the mortgagor of the following below. There is no requirement to send a notice upon receipt of payment. A single statement to include last P & I/escrow payment should suffice as sufficient notice. 

SEC. XXXX. DISCLOSURES REQUIRED IN MONTHLY STATEMENTS FOR RESIDENTIAL MORTGAGE LOANS. 
Section XXXX of the Truth in Lending Act XXXX XXXX XXXX. XXXX ) is amended by adding at the end the following new subsection : '' ( f ) PERIODIC STATEMENTS FOR RESIDENTIAL MORTGAGE LOANS. -- '' ( XXXX ) IN GENERAL. -- The creditor, assignee, or servicer with respect to any residential mortgage loan shall transmit to the obligor, for each billing cycle, a statement setting forth each of the following items, to the extent applicable, in a conspicuous and prominent manner : '' ( A ) The amount of the principal obligation under the mortgage. 
'' ( B ) The current interest rate in effect for the loan. 
'' ( C ) The date on which the interest rate may next reset or adjust. 
'' ( D ) The amount of any prepayment fee to be charged, if any. 
'' ( E ) A description of any late payment fees. 
'' ( F ) A telephone number and electronic mail address that may be used by the obligor to obtain information regarding the mortgage.
Product: Credit card or prepaid card

Hello, I opened a credit card with American Express on XX/XX/2021 ( XXXX XXXX XXXX ). the card had a bouns offer of XXXX miles after spending XXXX $ in XXXX months. I meet all these requirements. I called American express today ( XX/XX/2021 to see why I did not receive the bonus offer. They told me that I was no longer eligible even though I meet the requirements for the bonus points. This is fraudulent activity by American express. You can not offer someone an offer then deiced to not to offer it.
Product: Credit reporting, credit repair services, 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 items 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/block any items 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. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, J XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} XXXX Original Creditor : XXXX THE XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX HE XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have been trying for over 3 years for a refinance of my mortgage. each time I check my credit I see it around XXXX on my version. I then apply for the loan and am told my scores are below the XXXX needed for a refinance. my problem is why do the banks see a different fico score than I do personally?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting

I asked to have all non-holding inquires removed off my credit report due to the fact that I did n't not give my permission to have my credit report ran, I request to removed them and send me an updated report showing they have been removed, and a lot of the inquires are on the same day from a car lot that I have never been to or talk with anyone that works there
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, several accounts and their corresponding tradelines have either been removed or have never been reported to my Equifax credit report. 

I have had several issues with Equifax including what they said was a mixed file. I had to fax in my identification ( Driver license, passport, etc ) and utility bill to show my address. This was resolved supposedly. 

However, ever since this issue, I have had no new accounts report to my file even though they do report to XXXX  and XXXX  as well as XXXX. 

I have contacted the bank which issues and services the missing accounts and they have all advised me in writing that they are reporting the accounts to all three major credit bureaus. 

The missing accounts are : XXXX XXXX  / XXXX XXXX. Account ending in XXXX opened XX/XX/XXXX XXXX XXXX / XXXX. Account ending in XXXX opened XX/XX/XXXX XXXX XXXX / XXXX. Account ending in XXXX opened XX/XX/XXXX
Product: Debt collection

I need the true bill and the original contract so that we can see scam that with held and they failed to disclose from the beginning. What is the common law definition of Application. They have caused me grief and harm by stealing my private non public information and selling it for personal gain and profit, they have violated all of title 15 usc 1666, 15 usc 1692 a-I!!!! They call harassing daily and emails!!! 

Where is the original contact that I gave them permission to do what they are doing to me and my offspring!!! 

They are violating my constitutional rights and is causing me grief and distress!!!!!!!!!!!!!!!!
Product: Credit card

You didn't have my problem so I picked the closest description. 

Paypal is harassing me. They won't let me log in. I have an outstanding loan that I am trying to pay off and they are acting like spiteful children. 
I never set up 2nd verification BUT they continually insist I put in a code that they never send me. 
I am sick of it Do they think by harassing me it will make me pay off the loan quicker? XXXX
Product: Money transfer, virtual currency, or money service

I was scammed out of {$260.00} for two concert tickets. 

On XX/XX/XXXX, I was contacted through XXXX in regards to a post that I listed seeking tickets to a concert in XXXX, CO for XX/XX/XXXX & XX/XX/XXXX. 

The scammer stated that he would first send me tickets through the approved venues digital ticket system, XXXX XXXX ( AX ). Once I confirmed that the tickets are in my possession I could send payment through a XXXX app called XXXX. XXXX is linked and approved affiliate with my bank XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, the scammer sent me the first ticket for the first show on XXXX. This was confirmed through my Flash Seats account and an email from Flash Seats confirmed transfer of ticket to me. After I confirmed, I sent 1 payment for {$130.00} through my bank app XXXX XXXX XXXX XXXX using XXXX, transaction number XXXX. This was repeated for the XXXX ticket for the show on XXXX with another confirmation email from Flash Seats and XXXX transaction number : XXXX. 

First transaction was for {$130.00} for 1 general admission ticket to the XXXX XXXX XXXXXXXX XXXX on XXXX. This transaction is recorded through XXXX and the notes will show " XXXX XXXX GA ( my morning jacket night 1 general admission ) The second transaction soon followed for {$130.00} for 1 general admission ticket to the My Morning Jacket Show on XXXX. This was also recorded under the notes transaction with XXXX as " XXXX XXXX GA ( my morning jacket night 2 general admission ). 

On XX/XX/XXXX, I checked my XXXX seats account and noticed my tickets were no longer there. I contacted them asking what happened and they stated the user account who transferred the tickets was flagged for fraud, so all tickets were recalled. I was never notified of this. Unfortunately, since I did not purchase tickets using their system, I have no recourse. 

I reached out to XXXX that same day. They told me that I need to contact my financial institution since, it was done through them and not XXXX independently. 

On XX/XX/XXXX I filed a dispute/fraud complaint with XXXX XXXX XXXX XXXX. Claim number XXXX. I was told to contact CFPB and the local law enforcement. 

Hopefully this will be fixed through any of the parts listed.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXXXXXX {$1000.00} XXXX XXXX {$200.00}
Product: Credit reporting or other personal consumer reports

Recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that Equifax will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX  XXXX # XXXX
Product: Debt collection

This was an amount due for {$56.00} to XXXX XXXX XXXX. I had to get a physical done and in order to get that physical completed I had to pay this debt along with the amount due for the physical which totaled to roughly {$71.00}. I have a screenshot of this from my banking statements as well.
Product: Student loan

This complaint is about my XXXX XXXX loans with Nelnet.. The amount of the payment is not taking into consideration the High Cost of Living and paying other bills. Interest is climbing faster than I will ever be able to pay off. I am not getting any assistance from Nelnet to resolve the issue. My wife 's income is being calculated when trying to refinance, or consolidate. She is not my daughter 's mother and was not in my life when the student loans were taken out. I would like these loans to take into consideration all these factors and have the payments and/or interest reduced.
Product: Debt collection

I have sent numerous certified letter explaining to XXXX  that the debt is not mine. Every time they have sided with the creditor. XXXX   always states to me they have " verified '' this debt is valid. But per the fair crediting and reporting act I have repeatedly requested documentation bearing my signature and any other paperwork they have to affirm this debt as valid. To no avail because XXXX  has not sent me anything. They never respond to my written request. I call them on the phone and a representative does not give me any information either. This debt is invalid and needs to be removed from all three bureaus, specifically XXXX.
Product: Debt collection

I am writing in response to your letter dated XX/XX/year>, which I received regarding the alleged debt referenced above. I have attached the generic letter that was sent with basic account details, which does not satisfy FDCPA validation requirement This is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and other applicable consumer protection laws.

Debt Validation Requirements Under Federal Law Per 15 U.S.C. 1692g ( b ), you must cease all collection activity until you provide me with the following : 1. Proof of Legal Right to Collect Provide a signed contract or agreement that explicitly grants your company the right to collect this debt.

2. Original Signed Agreement A copy of the original contract with my signature between me and Progressive Advanced Insurance Co proving my obligation to pay. A simple billing statement is not sufficient under federal law. 
3. Itemized Accounting Purchase agreement, a breakdown of how the alleged balance of {$260.00} was calculated, including principal, interest, late fees, and any other charges.

4. Proof of Debt Ownership A copy of the assignment agreement or bill of sale from Progressive Advanced Insurance Co to Caine & Weiner, showing legal ownership of the debt.

5. Verification of Licensing Proof that your company is licensed to collect debts in my state, including your bonding information ( if required by state law ). 

Notice of Consumer Rights Under Federal and State Law Until you provide proper validation, you must cease all collection efforts, including reporting this debt to any credit bureau ( 15 U.S.C. 1692e and 1692g ). Any attempt to collect or report unverifiable debt will be considered a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Furthermore, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease all communication with me regarding this alleged debt, except to provide proper validation or a notice of termination of collection efforts. 

Failure to comply with federal and state consumer protection laws may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
I am attaching proof that this letter does not meet validation standards and request the consumer financial protection bureau to take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there was a MAJOR drop in my credit score in the past two months but nothing has changed on my end. I have not been delinquent on any accounts and I can not find any negative impacts on my credit report to be affecting the score so! It dropped from the mid XXXX to XXXX! I am diligent about paying everything on time. I did notice that my current employer is not listed, and I spoke with my employer yesterday about this. ( XXXX XXXX ) also, I see that there is an open account from XX/XX/XXXX-XX/XX/XXXX for XXXX XXXX for an apartment I rented years ago in California. I do not know what exactly has caused my score to drop so dramatically but I need it to be reviewed please because I have worked very hard to assure j maintain a great credit score and am currently looking to get an auto loan.
Product: Credit card or prepaid card

I purchased a washer & dryer at home depot XX/XX/XXXX. The purchase was supposed to be 24 months no interest and was only given 6 months. I complained and they then transferred it to only 12 months which I did not catch. The promotion expired in XXXX of XXXX. I was charged interest on the purchase. I called to ask why and realized they never did the 24 month no interest promotion. At this time they stated I would need to have a store manger call in to change it. I went to home depot and had them call. They agreed to extend the promotion until XX/XX/XXXX which would have been 24 months from the original purchase date. The amount left owed was XXXX When they changed it to 24 months promotion they credited my revolving account and charged my account a price that was more than the original sales price. It is impossible to see how they came up with the numbers that they charged. My statement does not reflect the way they came to the amount only the amount. When I called them to try and figure out why this was they offered me no explanation except this is what they decided to do and there is no explanation. I will only have to trust that they did the math correctly and pay my bills. I am not comfortable with this approach. I am very picky about my finances as I am on social security and do not understand how this approach is legal.
Product: Checking or savings account

XXXX XXXX XXXX, bankvibemobile or bankmobilevibe.com are all three problems with my XXXX  account, linked through the XXXX XXXX. The checking account associated with my loan and other disbursements which go through a student number assigned at the college is being tampered with or the money is being kept before it is disbursed to my account. All selections which are chosen for where the money each term goes are made by logging in to the XXXX XXXX XXXX  website at bankmobilevibe.com these payments, credits, and disbursements which I have been receiving are no longer being disbursed to me at all. The money is no going to my personal bank account which was entered as a selection for the choice where to have money transferred to, a bank outside of XXXXXXXX XXXX XXXX  and it is not going to an account assigned to my name/ssn at XXXX XXXX XXXX In the last 30 days, there has been {$640.00} in money from student account disbursement and another {$100.00} credit which was issued and the money has not gone to me at all. There was no check disbused to my name and there are no funds available to me from this disbursement or the credit to my account at bankmobile, a service of XXXXXXXX XXXX XXXX  The bank also has no resolution to the problem and is saying that they aren't responsible.