23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently put an offer on a house and my offer was accepted by the seller. I tried to follow the CFPB 's steps detailed in " Owning a home - Compare loan offers. '' Once my offer was accepted/contract ratified I quickly moved forward with comparing loan offers so that I could select the best loan for my situation. I already had 4 lenders I was working with. I requested the " Loan Estimate '' form from multiple lenders so that I could easily compare offers ( apples to apples comparison ).
I requested the Loan Estimate from this lender a number of times and I was given a multitude of reasons for why the lender could not accommodate my request. The lender said that 1 ) Their loan form is a proprietary form and it is much better and easier to understand than the Loan Estimate, 2 ) Their system can not output a Loan Estimate until the rate is locked in and a buyer has decided to go with them as their lender, 3 ) Providing the Loan Estimate at the shopping/comparison stage is not part of their process. After numerous failed attempts to get this lender to provide the Loan Estimate I instead received something called the " Approximate Loan Cost Illustration. '' I had received Loan Estimates from two other lenders and so I could not compare the " Approximate Loan Cost Illustration '' to the Loan Estimates and conduct an apples to apples comparison. To add insult to injury, the text at the top of the " Approximate Loan Costs Illustration '' reads : " Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. '' The fact that they blatantly contradict themselves is insulting to me as a consumer. This was very frustrating and ultimately led me to decide to go with a different lender, one that followed the rules that have been put in place by the CFPB to protect consumers.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX XXXX They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I looked at my XXXX, credit report on XX/XX/year> 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 or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these itesm based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX - XXXX XXXX XXXX & XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Received an email indicating it came from Wells Fargo Support subject line your account has been suspension quickly verify online banking reference XXXX Stating there has been behavior that appears to be out of the ordinary XXXX XXXX XXXX sign into online account here. 

Best to my recollection, I do not have an account with Wells Fargo support, so I am reporting this as phishing scam fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$32000.00}, US DEPT ED XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$8800.00}, US DEPT ED XXXX XXXX Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, US DEPT ED XXXX Balance Owed : {$5500.00} , US DEPT ED XXXX Balance Owed : {$1500.00}
Product: Debt collection

The account has been closed since XX/XX/2019. They purchased the debt from another company by the name of XXXX. I told them it was illegal to report false information on my credit report and the balance was wrong. They keep increasing the amount of money that I owe them on my report but the account is closed. The debt in question is from WORLD FINANCE CORPORATIO XXXX XXXX XXXX XXXX, SC XXXX for the amount of {$1100.00}. They will not produce the original loan documents to that I signed. I asked for a debt validation letter and they keep sending me generic responses that reads the same thing.
Product: Mortgage

Freedom Mortgage will not remove our PMI even though our LTV is below the 78 % required amount. We call and call, we get hung up on when supposedly being transferred. We do n't know where to turn.
Product: Debt collection

On XX/XX/2017 XXXX did n't verify me by the last XXXX of my SSN. He did n't provide the mailing address of the creditor when I asked. He said he did n't have it. I asked if this was on my credit and he said he did n't know. He told me I did n't have to mail a dispute letter since I disputed the debt verbally over the phone. 
On XX/XX/XXXX XXXX did n't verify my last XXXX of my SSN. She told that it was n't a requirement. She told me that my account status is not in dispute because I did n't mail a letter stating I was disputing the debt. I told her that the previous rep told me that it was n't necessary. She said she was n't able to provide the address to the creditor.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of credit report and noticed credit inquiries that I have not authorized nor do I have any knowledge of. There are inquiries from creditors, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I reached out to the credit reporting agencies to report this information along with getting it resolved. I have yet to receive a formal reponse I have the right to privacy and have not given any written consent for this information to be furnished to my profile, doing so is in violation of 15 USC 1681B. 

Further furnishing information to my profile due to identity theft is also in violation of 15 USC 1681 c-2
Product: Credit card

Take a look at the documents provided. I want the bureau to launch an investigation into these accounts, as I have never been tardy with payments, yet they are inaccurately reported as late.
Product: Mortgage

OCWEN AND XXXX ARE FALSING REPORT OLD MORTAGE LOANSMortgage account number XXXX and mortgage account number XXXX XXXX I started the hardship process with XXXX XXXX XXXX weeks prior to the closure of the short sale the loan servicer XXXX bundled my into a bulk sale/transfer of an new servicer Ocwen . Subsequently Ocwen providing false or misleading reasons for denying short sale and refused to handle my loan modifications without me first making a payment. The customer service agents at Ocwen suggested I take a loan from my XXXX account to prove I was serious about resolving the matter. A loan was taken from my XXXX payments were made to Ocwen up to XXXX XXXX and I was still unable to get assistance with a short sale or modification. XXXX year later, the deed of the property was transferred to the HOA and later sold in a sherrif sale. Attached is a summary of attempted interaction with OCWEN and Experian. 
XXXX is the only credit bureau who has refused correct the reporting mistakes by OCWEN both XXXX and XXXX have been compliant with my request. 
Attached : XXXX XXXX Experian list Ocwen as verified/updates with incorrect dataAttached : XXXX report of XXXX reporting agency show the account status as deed in LieuAttached : Sheriff Sale of the property AttachedAttached : Deed transfer in lieu of for foreclosure
Product: Student loan

I noticed that my student loan balance increased. I called Great Lakes since I thought with XXXX the interest rate was XXXX since XX/XX/XXXX. I requested a copy of all payments and interest on my loans to ensure the current interest rate was XXXX, and that I was not charged interest since XX/XX/XXXX. 

Once I received the report, it made no sense to me. The unpaid principal balance has not changed in XXXX years and this is regardless of what the payment amount is. For example, my unpaid balance on XX/XX/XXXX was {$100000.00}. I made varying payments between XXXX and XXXX, and yet the unpaid balance remains the same {$100000.00} as of XX/XX/XXXX. 

This makes no sense. So, I called back to Great Lakes, and this kind lady told me that the interest is not being paid each month with my monthly payment, therefore the balance decreasing. I told her that can't be, or the unpaid principal balance would be increasing and its not. 

I see on the report that capitalized interest was added in XXXX, and that brought the balance from {$96000.00} to the {$100000.00}. Then at some point, I can't see the date, capitalized interest was added again, now bringing the total to {$100000.00}. Why are interest charges not listed on the report but added randomly? 

This representative assisting me was asking other people for assistance and she kept putting me on hold, and when she would return she kept telling me over and over the same thing. 

Again, this makes no sense. All the payments I've made, and all the interest being charged to me, and the unpaid balance never changes? It doesn't even increase if I'm not paying enough to cover the interest being charged monthly. And then I see an increase in what is owed? Its very confusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX RE : Recent Investigation XX/XX/2020 To Whom It May Concern : I am writing this letter because after your investigation there are still errors on my credit report specifically the following accounts : XXXX XXXX XXXX {$4000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$790.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$5200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX  XXXX {$30000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX {$4200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX {$950.00} Violating FCRA Section 611 Part ( A ) ( 1 ) CREDIT BUREAU SERVICES A {$2800.00} Violating FCRA Section 611 Part ( A ) ( XXXX ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$910.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1100.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX  XXXX {$380.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX  XXXX {$280.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX  {$18000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX XXXX XXXX XXXX {$5300.00} Violating FCRA Section 611 Part ( A ) ( 1 ) To avoid litigation please remove the accounts from my credit reports immediately. You have 30 days. 


Thank you. 

Sincerely, Your XXXX XXXX CC : XXXX XXXX XXXX
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. 

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 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 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 am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies involving my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough and authentic investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I requested that CFPB take appropriate action to ensure XXXX complies with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/year> Balance : {$1000.00} XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/year> Balance : {$14000.00}
Product: Debt collection

United Legal Group Credit Collection Bureau www.unitedlegalgroup.com XXXX : XXXX XXXX XXXX XXXX ext. XXXX They filed a collection on my personal credit report, on a fraud related account with my past business XXXX XXXX XXXX XXXX. I have attached the original complaint, which was filed in small claims and while i effected service, yet in California all small claims have to be served in California so it was dismissed. 

I have also attached two fraud complaints against the original company.
Product: Credit card or prepaid card

I have been a with SETF/WOFC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX, XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cashapps handling of disputes, as well as glitches particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using cash app numerous times and reporting discrepancies, my financial institution and cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible. The CFPB 's findings indicate that cash app has neglected to protect consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XXXX, XXXX, XXXX. Account was paid directly to XXXX XXXX on XXXX/XXXX/XXXX and was advised that a supervisor with XXXX XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XXXX/XXXX/XXXX, I was advised by the collection agency that no information was submitted from XXXX XXXX and that account will remain on my credit report until notification from XXXX XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX XXXX directly. On XXXX/XXXX/XXXX, I spoke with a supervior at XXXX XXXX who advised me that communication was previously sent on XXXX/XXXX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with XXXX. However, XXXX  states that collection account was verified as correct reporting as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX XXXX concerning account being paid, at which point I stated that I have proof from XXXX XXXX that account was paid in full on XXXX/XXXX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.
Product: Credit card

I charged the wrong item on a sears website by mistake and I called bank American the next day and told them. XXXX had no way to cancel the charge and they did not respond by email until 4 days later. XXXX told me that the charge would be refunded and they sent XXXX out to pick the item up but for some reason bank America will not remove the charge of {$41.00} from my account. I called Friday XXXX XXXX and a lady answered the phone and left me on hold for XXXX MIN. But as of today bank America refuse to remove the charge. I have called bank America many time about this issue.. XXXX were able to get the Money in a New York second but now four weeks later no one has refunded my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting {$620.00} on my credit reports. I AM GETTING READY TO SUE XXXX XXXX XXXX AND THE CREDIT BUREAUS FOR REPORTING FRAUDULENT INFORMATION ON BY CREDIT REPORTS I HAVE NEVER HAD A XXXX XXXX XXXX XXXX OR ACCOUNT NEVER MADE ANY CHARGES ON A XXXX XXXX XXXX
Product: Credit card

I took an " XXXX XXXX '' offer that Barckay 's Old Navy card was having, to pay purchases in monthly payments at lower interest rates. I tried using it on a purchase of {$170.00} that I made on XX/XX/2023 so I made a 6-month plan. 

My statement of XX/XX/2023 came with the purchase on it, but because they didn't have an adjusted balance and it was not clear how to adjust the balance myself ( the customer service told me to calculate but by the time the payment for the whole balance was processed ), I paid the entire balance on XX/XX/2023 including the original purchase {$170.00} that I set on the plan. 

According to their wording, the {$170.00} that I paid should have paid off the " XXXX XXXX '' plan and stopped the interest. Instead, I realized on the statement of XX/XX/2023 that they are still charging interest and it appeared as if the plan was not paid. When called, they told me that they were using the {$170.00} to pay the plan in 6 months and customer service told me that they were going to remove the interest. Today XX/XX/2023 I see that the new statement has one month paid and is charging me {$2.00} for interest, and didn't return me the previous {$2.00} of interest. 

I don't think I should be paying interest on a plan that I paid in advance, that should have been paid off when I paid the whole balance on XX/XX/2023 According to Barclays : " You can pay your XXXX XXXX  XXXX  early by paying the most recent Statement Balance plus any new transactions that post to your account before your payment is received. This will pay off your statement balance, any new transactions, and any additional XXXX XXXX enrollments. If you pay off XXXX XXXX XXXX  early, you wont incur any future finance charges for these enrollments. ''
Product: Debt collection

I included XXXX XXXX debt in my bankruptcy case ( XXXX XXXX. XXXX ). Despite this, I continue to receive collection attempts via phone, text, and mail. 

I have informed my attorney of this issue multiple times via email. I have contacted XXXX directly to update their records and request they stop billing me. On XX/XX/2024, I informed XXXX XXXX Collections ( XXXX ) about the bankruptcy but received another collection letter on XX/XX/2024. On XX/XX/2024 and XX/XX/2024, I again contacted XXXX and urged them to inform the debt collection agency they sold the debt to. Despite my efforts, I am now receiving collection attempts from a new agency. On XX/XX/2024 I received a text message and called to inform them of the discharged debt. 

XXXX continues to generate monthly bills, which I receive via email and mail. I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to stop these illegal collection attempts.