23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 

XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX 2005, I signed the mortgage on a property that my wife was purchasing. I did not signed the note. The property was further awarded to my former wife at divorce. I have requested the servicing agent OCWEN to delete this account from my credit report. Ocwen has denied my claim. I have requested copy of the original NOTE, OCWEN has not provide, they has stated that they do not have it. I have exhausted my efforts to get this matter corrected, unfortunately, Ocwen does not want to correct this inaccurate reporting.
Product: Debt collection

judgment in XXXX writ in XXXX paid from XXXX XXXX XXXX balance was never updated reporting XXXX owed on credit reports only owed XXXX paid most minus XXXX still reporting delinquent and past due never updating reports balance
Product: Credit reporting or other personal consumer reports

I have filed MULTIPLY disputes, with XXXX, XXXX and EXPERIAN and the same INACCURATE and NEGATIVE information continues to appear on my Credit File despite me submitting the necessary " supporting documents '' to prove it. As a result my credit scoXXXX continues to fluctuate between XXXX - XXXX, -- which is horrific. 
Prior to the Identity Theft ( XXXX ) my score was in the XXXX range and it should be in the XXXX by now! 

I am dealing with a known HACKER and I strongly believe that he is RESPONSIBLE for somehow ALTERING my record. He has sent me FAKE Social Security Documents, I just had all the money drawn out my account XX/XX/XXXX, and for the life of me he continues to alter and POST INACCURATE info on my file with ALL three Credit Bureaus, -- and NO ONE IS ABLE TO STOP THIS FROM HAPPENING!!! 

REVOLVING ACCOUNTS **INQUIRIES : XXXX, DEFINITELY NOT ME APPLYING FOR CREDIT -??? 

XXXXXXXX XXXX XXXX XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX **XXXX XXXX XXXX XXXX XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX INSTALLMENTS ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ) FRAUD ACCT I did not open nor do I have any knowledge of this accout whatsoever! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX : ( PAID IN XXXX ) **JOB HISTORY : INCOMPLETE
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i ordered a case with 4 XXXX wipes for {$10.00} i never received the wipes i spoke to someone from paypal also in XXXX and ask was that a legit company she told me yes if not i can get my money back. I have sereral copies of that audio i got a tracking number from paypal on XX/XX/XXXX XXXX which didn't add up so i called XXXX  and my call got intercept by a lady saying she couldn't hear me i told her she was doing that she hung up i called back the lady heard me loud and clear ask for the tracking number my name and address said it was delivered on XX/XX/XXXX to someone name XXXX and a different address my name is not XXXX and its not they fault i have copies of that audio to i made a claim with paypal and was lock out my account so they could delete my information they even said i ordered shoes which is another lie but i beat them to it i already made copies on my credit card and receipt paypal denied my claim i reported it to my credit card company put fraud alert and now they gona investigatied and i will never order from paypal again
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a few accounts numerous times on my credit report and I see the information is incorrect and it is still on my credit report the fair credit act XXXX account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX a lemon as well XXXX XXXX As well as my bankruptcy were handled I asked them to remove it from my file my rights were violated 15 U.S.C 1681 section 602 A states I have a 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 with my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Mortgage

Home Loan with UWM. Flood Insurance renewal due no later than 29 days past expiration XX/XX/XXXX. UWM rec 'd notice XX/XX/XXXX, overnighted payment to XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX ( incorrect address ). Refund has been receivd by UWM and deposited to Escrow account. 

Rec 'd 2nd past due notice Flood Insurance, Ins Broker and I contacted UWM, UWM sent XXXX  disbursement Flood Insusrance XXXX, MT ( correct address ). 

Interium period, Flood Insurance lapsed losing " Pre-FIRM subsidized rate '' of {$2300.00}. Ins Broker looking for new rate, rate is {$3000.00} to {$4000.00} Plus. 

XXXX XXXX XXXX XXXX XXXX RENEWAL PREMIUM NOTICE states in item # XXXX : Effective XX/XX/XXXX, policies currently receiving Pre-FIRM subsudized rate may lose the eligibility to maintain those rates if payment is received more than 90 days after policy expiration date. 

If the XXXX disbursement was sent by UWM XX/XX/XXXX, surely the payment would have been received sometime in XX/XX/XXXX. 90 days from expiration XX/XX/XXXX would have been XX/XX/XXXX. Contacted UWM, National Flood Insurance and FEMA ( can flood insurance be dropped, California is in a drought ). These agencies/companies are not offering a resolution.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and discovered a fraudulent account from Possible Financial on my credit report. I never applied for or opened this account. I contacted Possible Financial via email from my personal email XXXX requesting the removal of the account and provided details of the identity theft, but I never received a response. I filed an FTC report and attached it here. I also submitted a dispute with XXXX. I am requesting the CFPB to assist in the immediate removal of this unauthorized account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Vehicle loan or lease

I see that there have been outstanding complaints about Santander 's business practices. I have had a car loan with Santander for over 3 years, yet the balance owed ( {$18000.00} ) is nearly the same as when I initially took out the loan. My monthly payments of {$530.00} are too high, and has created a hardship. My last payment was made in XX/XX/XXXX.They state that this is an interest only loan ; however, the interest rate appears to be unfair. I thought the car would've been paid off by now. Yet, I still owe nearly {$20000.00} on a XXXX XXXX XXXX. I feel that I was taken advantage of by this company and its financial product, which required interest-only monthly payments without explaining that doing so would increase the total cost of the loan. Anyassistance given will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, andFederal Trade Commission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX AT XXXX ) XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have file disputes over and over they keep getting denied. I would refile them and I still receive denied letters after submitted support documents. I even been trying to find a good lawyer because its been too much money used thats not authorized by me. Thank you.
Product: Credit card or prepaid card

For 5 years with this Credit Card we always paid the full balance before the due date on-line. InXX/XX/2018 I called the reward department and was informed that a {$100.00} reward credit will be applied to our balance the same day I called, it was a few days before the due date. OnXX/XX/18, a day before the due date, I paid the full balance on-line, a {$100.00} less, relying on the reward credit, which was posted XX/XX/XXXX, a day later than the due date. It comes down to {$100.00} one day after the due date. To the XXXX charge a {$94.00} interest was added due XX/XX/XXXX. On XX/XX/XXXX I paid the full balance including the interest. Since this was a Business credit card and I was going to retire on XX/XX/XXXX I have closed the card which was associated with my position in the Company. 
Received a confirmation that the card was closed and cut it in pieces. However, an XXXX statement arrived with a charge of {$84.00}. I called the credit card they said it was another interest on the same {$100.00} in addition to the {$94.00} I have already paid. Their explanation was that even if the hole amount was paid before the due date but a dollar is paid even a day after, they care interest on the full balance and interest on the next month balance, regardless if it's being paid before the due date. Isn't this taking advantage of the consumer? I'm starting to think that the rewards department intentionally posted the {$100.00} reward a day after my due date while telling me that it will be posted a few days before it. I consider it very much unfair. 
The bank is : XXXX XXXX. Credit card address : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

This serves as an official letter, and I am choosing to opt out of the Consumer Credit Reporting Companies. I want to permanently opt out of XXXX, Experian, XXXX, and XXXX, and provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance. I also want to remove my name from the list for firm offers of credit or insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has been a problem for awhile. They never have the correct information. They never update. Now when every other bureau have my score at a XXXX. These idiots lower it by 47 points to a XXXX. They are messing with peoples lives and they really don't care what they do. Something has to be done about them. They reported my score going from a XXXX to a XXXX which is not right. Someone needs to shut them down!
Product: Credit reporting or other personal consumer reports

hello my name is XXXX XXXX and I've noticed some unauthorized inquiries on my report and according to the FCRA this is a violation of my rights. I'd like the account removed immediately.
Product: Mortgage

I am trying to make my first mortgage payment to Bank United, to whom my mortgage was sold after origination. Apparently, in order to make a payment, I need to pay a {$10.00} " processing fee '' ( see text from their website below ) : " Your payment must be submitted prior to XXXX XXXX ET to ensure it is posted on the same day. If this day falls on a weekend or holiday, the debit will take place the next business day. Please note when scheduling your payment, you will be charged a {$10.00} processing fee. This service allows you to schedule a future loan payment, provided they are within 10 day ( s ). After your payment is submitted, it may only be cancelled by contacting Client Care Center - Opens Dialog at least two full business days prior to the scheduled payment draft date. '' {$10.00} is small in the grand scheme of things, but it seems ridiculous for them to charge me for the " convenience '' of auto payments to them. When I spoke with a representative, they told me that if I do n't do bill pay from my financial institution or send a check, then I have to pay {$10.00} every time I make a payment through their system. Perhaps this is perfectly legal, but it seems like a " hidden '' fee.
Product: Money transfer, virtual currency, or money service

Coinbase has a weekly drop giveaway. Their entry methods extremely misleading. They also do not appear to be entering me into their coin drop, despite my meeting their qualifications. I've opted in on XXXX different occasions and traded currency each time, but I have never received any indication that I've been entered in. 

I should have been entered into the sweepstakes on XXXX different occasions, but it does not appear that I have, which is illegal. I get " opted '' in each time. Furthermore, once I opt in, I get a second email that says, " Youre opted in! Trade any amount of crypto for a chance to win up to XXXX XXXX. 

Earn 1 more entry for each trade you make through XXXX XXXX to a maximum of XXXX total entries. 

You'll get another email about 24 hours after meeting the entry requirement, letting you know you've successfully entered. '' I never receive that other email, despite making a purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up my jc penny credit card on XX/XX/2019. Within two weeks they have reported balances to all 3 credit bureaus. Once for {$41.00}, second report 3 days later for {$330.00}. Both reported end of XX/XX/XXXXand 1st week in XX/XX/XXXX. I called company 3 times to confirm when 1st reporting would happen. I was told not until late XX/XX/XXXX. This company lied and has dropped my score 5 points. I wouldve never opened this card if i knew it would report to credit bureaus everytime i use the card! Horrible company.
Product: Payday loan, title loan, or personal loan

I got a payday loan on XXXX XXXX XXXX. I called a few days after saying that I revoke authorization to debit my account. I got into a bad car accident on XXXX XXXX XXXX and had to be rushed to the hospital which I have documentation from state police. I was on bed rest for two days and was scheduled for a re-evaluation afterwards. I was not able to physically visit the lenders office due to my injuries and have to pay for my medical expenses and transportation. Again I specifically called the office and spoke with XXXX and requested that my account not be mishandled and to revoke authorization to debit my account. On XXXX XXXX XXXX around XXXX I receive an alert on my cell phone saying that my account has been overdrawn XXXX dollars from XXXX XXXX XXXX and another XXXX overdraft fee. I told them prior to the unauthorized transaction that I need to set up payment arrangements and XXXX did not take my request seriously and failed to act on my request on behalf of the company. I believe that fraudulent activity is happening due to my case and is directly correlated to the unauthorized transaction on my account. I was told by XXXX that he was going to debit my account anyway and if it comes back unpaid then and only then he will set up a new payment arrangement which is malicious. He is not the owner of the account and does not have the authority to chose to deny my request to leave my account alone, but since he took it upon himself to charge my account against my wishes, now my account is overdrawn {$100.00}. I would not recommend this company to anyone and I want the charge reversed due to fraud and unauthorized use of a bank account.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

My credit report is locked with XXXX credit bureau. So I don't understand how this company could run a credit search. I did not request a duplicate credit card. I received an email telling me that I was denied for a home Depot application. I never applied for a home Depot credit card because I already have an established credit line with this company since last year. This mistake has caused a hard inquiry on my report!!! I reported this error to the credit bureau and they sent me a email telling me they found the creditor to be accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX
Product: Mortgage

XX/XX/year> I got approved for a Heloc loan with Figure Wholesale lending. I called them to find out how to exercise my right to waive the 3 day right of rescission due to a financial emergency and they told me according to the CFPB I cant waive it due to it being my primary residence. I called CFPB and this information regarding not being able to could not be found. I have submitted my request in the form of a signed letter to them today and confirmed receipt but have been told that it is highly unlikely due to them never having approved one before.
Product: Credit reporting or other personal consumer reports

Did not authorize these companies to run hard inquires on my credit report.
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 XXXX XXXX XXXX. 
Account name : # XX/XX/XXXX Account name : # XXXX Account name : # XXXX XXXX Account name : #XX/XX/XXXXXXXX Account name # XX/XX/XXXX( charge off ) Account name # XX/XX/XXXX Account name # XX/XX/XXXX has violated my rights. 

15 USC 1681 SECTION 2 it also states a consumer reporting agency can not furnish without A written instructions. 

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: Debt collection

I rented the apartment with my husband as the leaseholder. At the end of the lease, we didn't sign the renewal agreement. We submitted a letter to let them know of our intention to move out when the lease ends and also called them. 

Later, we saw that an amount had been sent to collection, which is showing on my XXXX credit bearers ' reports. We contacted the third-party collector and the lease office ; they claim they didn't see a written notice and didn't give us the security deposit as well. 

I disputed, and XXXX and XXXX removed the collection, but XXXX still has it on my credit report. 

I want the collection to be removed from my XXXX credit report.
Product: Checking or savings account

Chime is fraud bank I never use this account since last year someone hack my account as my knowledge My activity this account not reported my email or phone. 
This bank allow them to all fraud transactions in and out someone use different email to transfer money buy or purchasing illegally item in this account they use my account different account and my wife account to transfer money via quick pay Last month i open to check why chime account activity come my bank thats alert me but chime not reported any fraud I ll be dispute all this transaction and chime deny but only send XXXX dollar Chime make fraud transaction without my knowledge all I need dispute or either file a law suit this bank all transactions history I have in my record and this month I file case