23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XXXX, UWM erroneously and without warning began charging me double in mortgage payments. Turns out they inappropriately assessed my taxes. I had to file an email complaint with them to get it fixed but they did not fix it at first. I had to make several calls to get them to fix the tax assessment. That error stopped the auto payment. When I got put back on auto pay there system would randomly stop auto deduction every month causing a delay in payment. Rather than fix the problem, they charged me late fees. I called them yesterday and told them about it and they said they figured it out and it and fixed it but I don't believe them. They also told me that they could not reverse the late charge. 
They also have my mailing address incorrect. It's missing the unit number.. I want them to reverse the charge because of their errors in their website and their administration my account was charged late fees. I want them reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been disputing this XXXX XXXX XXXX  for this Medical Bill from XXXX Hospital on my Equifax Credit Report, and Equifax always came back with account verified. I also disputed this in XXXX and today XX/XX/XXXX this account came back verified. I am baffled because I provided documentation to Equifax that shows that I do not owe this account. Furthermore, I had file a complaint to CFBP concerning this account and I received response along with a letter from this creditor that states that they sent the information to have this account deleted from all credit bureau agencies. I received confirmation that this account was deleted except from Equifax that came back today with the results of my investigation that says this account was verified. I am frustrated with the incompetence of the ones that works in the dispute department at Equifax because they are not doing there job accurately and efficiently. Please delete this incorrect information for the thousands times off my credit report.
Product: Credit reporting or other personal consumer reports

I have been disputing these three companies since repeatedly, sending in dispute letters. XXXX  XXXX XXXXEarly Warning Services . Each time I dispute they send me back a letter stating that the account has been verified. XXXX XXXX has recently sent me a printout stating that it shows my signature but that doesn't look anything like my signature, I have asked each company to send me Proof and they have failed to do so, I have filed Two FTC reports against the account Which XXXX  XXXX XXXX alleges that is mines. This account is a fraudulent account that I did not open. 
I have mailed in the FTC report as of XX/XX/year> and I have also previously attached the FTC report to a report made through the CFPB.
Product: Prepaid card

I was given an American Express Gift Card for {$150.00} from my workplace a few weeks ago. 

Going to XXXX, I tried to make multiple purchases and all but one ( for {$22.00} ) were denied. I then tried loading my XXXX online account with the money in increments of {$9.00}, but after 4 times the card was denied by American Express. 

I called American Express customer service multiple times -- at least 3 or 4 times -- and was told many different things -- that the card didn't work with XXXX, or that I needed to reenter the information of my card into the XXXX account, or that XXXX was denying the use of my card -- and then they recommended that I use the card in person. I told them that it was my money and that I wanted to use it on XXXX, but they kept repeating that they recommended I use it somewhere else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Address : XXXX XXXX XXXX XXXX XXXX, VA XXXX My only name is XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX My only date of birth is XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AK XXXX ; XXXX XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX Balance : {$98.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
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 bureausmust 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 an update of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I ADVISED THAT MY INFORMATION WAS LOST DURING THE RELOCATION OF MY TAX PREPARER. I WAS TOLD TO CONTINOUSLY MONITOR MY REPORT. I RECENTLY PULLED A COPY OF MY CREDIT AND I SEE ACCOUNTS THAT I HAVE NO KNOWLEDGE OR HAVE AUTHORIZED. I ALSO NOTICED CREDIT INQUIRIES FROM XXXX XXXX XXXX XXXX XXXX, AND XXXX THAT I HAVE NOT APPLIED FOR I CONTACTED XXXX, XXXX, AND TRANSUNION VIA PHONE AND BY MAIL ADVISING OF THE FRAUDULENT ACCOUNTS BEING REPORTED TO MY PROFILE. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT, REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITIY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Product: Mortgage

This is difficult to explain as these issues started in XXXX  and have now resulted in a staggering escrow shortage. My loan has been transferred 5 times within the almost two years that I have had this mortgage. I have repeatedly inquired for prior payment history as there have been mounting issues that started with one of the original servicing companies Specialized Loan Servicing. There were several issues that caused me to get behind at one time on the loan and request modification. I finally got caught up with sending multiple payments at a time, while the only suggestions made by them were short sale and foreclosure. I repeatedly asked about modification options as I wanted to keep my home and do whatever I needed, I just needed more time and assistance to navigate the process. I had no idea, that all along they were ordering drive by inspections on my home without helping me to modify at all. The whole process was mind boggling and mentally taxing. I tried to keep up with the mounds of confusing paperwork, outrageous requests, terrible customer service and lack of assistance to move forward. I finally got the modification approved after haggling for months and sending multiple payments along with getting XXXX involved. No one would call me back to address prior payment issues before it was sold to XXXX. XXXX stated there was no modification and it turned another fiasco with Change lender stating they never agreed to a loan modification and I was literally on my final payment. Once again, its Now transferred to XXXX XXXX and they have sent notice of a {$5700.00} escrow shortage which would mean I have made no payments all year to escrow and there is nothing further from the truth. I am so confused by all the name changes of these companies and changes of servicing. SLS is also mentioned as XXXX XXXX and XXXX I believe. This is causing a lot of stress and mental anguish. I Need Assistance, Please Help?
Product: Bank account or service

money was fraudulently withdrawn from my checking account using my debit card. 
the charge was by PP*XXXX XXXX SC according to other web sites, this ph number has been used in stealing money form other peoples accounts.
Product: Credit card or prepaid card

In XXXX of XXXX, during a routine security clearance investigation, I was made aware of a credit card account in my name opened on XX/XX/XXXX. This account charged over XXXX dollars between XX/XX/XXXX and XX/XX/XXXX. These charged were made across California, Florida and Texas. At the time, I was completing pre-deployment work-ups in XXXX, VA and XXXX XXXX to the XXXX XXXX XXXX I provided this information to Barclays Bank XXXX Delaware, to include a letter from my ship on Command Letterhead showing that I was XXXX, however, the Bank 's response was that the application had my correct information, therefore I was liable for the charges. This communication occurred in XX/XX/XXXX. The bank provided me with the application and charges at this time. Upon review of the application, I saw that while my name, address and DOB were correct, all of the other information, to include phone numbers, email, and mother 's maiden name were incorrect. I reached back out to the bank via XXXX, but the bank again stated that this was not enough information to exonerate me of the charges. Finally, after repeated attempts to ascertain what information would be sufficient to indicate these charges could not and were not me, the bank stopped returning my phone calls. I am attaching my correspondence with the bank, my letter from my ship, the balance statements, and the application to support this claim.
Product: Checking or savings account

I issued a check back in XX/XX/XXXX to my landlord in the amount of {$1800.00}, by which he reported losing the check. I in turn issued a new one to cover the lost check reported. 

Fast forward to XX/XX/XXXX, my landlord came into PNC bank and cashed a 4 year old check. I reported the check to the local XXXX PNC on XXXX XXXX and spoke to XXXX the Banker. He mentioned that this was a bank error ( teller error ) and that checks stale date after 180 days or six months, he would get back to me in the coming days. 

Three days later I had to call him back and he said their fraud department denied my claim. 
I feel that I was lied to and misrepresented by this banker.
Product: Debt collection

This was not sent in error, not a material misrepresentation, and if you feel I obtained goods or services please have a senior executive from your company certify under penalty of perjury that I received goods or services. I write to dispute certain information in my file resulting from items I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required by the law in the FCRA.15 U.S CODE 1681c-2-. Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to have a mortgage with this company, but they were completely paid off in 2020. They keep reporting to my Experian, XXXX, and XXXX credit report as an open account even though it is an closed & paid in full account. They are ruining credit score and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of 2020. Also, they are reporting each month to my credit report as late.
Product: Credit reporting or other personal consumer reports

I was the victim of attempted identity theft when someone attempted to use my credit and personal info to purchase a vehicle on one date and then to apply for credit o another. I did not authorize these inquiries or have knowledge of them and would like them to be removed : XX/XX/scrub>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, credit repair services, or other personal consumer reports

I have been a member of TransUnion ' s Credit Monitoring service for approximately the past ten years. Approximately four months ago I signed in to my TransUnion TrueCredit account to get my latest report and everything went blank. No score, no report, no nothing. The " dashboard '' remains blank no matter what I attempt to do. I have updated the credit card I was using. At first the system would not accept it ; however, it finally wo rked and the funny thing is they have no problem charging the new card for the monthly fee. Additionally, the system will only give me the option to update my  XXXX  agency report occasionally and it never actually works. It just takes me to an error screen that says : " We are temporarily unable to complete your request. Looks like we are experiencing a problem ''.  <P/> Furthermore, I have called in at lea  st five times over the past three months and I get the same standard unhelpful answers : " They are aware of the problem, try again tomorrow, and it could be a browser issue ''. I have tried three different computers ( Home Mac, Home PC, Work PC ) and four different browsers ( Safari, Opera, Chrome, and Explorer ) on numerous occasions. Nothing works except that it appears to allow me to block or unblock my file.
<P/>
Extremely Poor Customer Service. In fact, I would have to say it is unbelievable. I even spoke to a supervisor who was clueless and simply repeated everything their   representatives have said before ; however, they could not resolve the problem and that is unacceptable.
Product: Debt collection

I noticed a debt from XXXX mobile company that is not from my doing. I wish to dispute this debt since it is not from me.
Product: Debt collection

I started receiving calls from a local number claiming to be XXXX XXXX and they never left voice mails and would call twice a day. And XXXX always calls me from an XXXX and always leaves a voicemail. And i finally answered and knew right away they were fraud and were trying to get me to pay {$140.00}. I called XXXX right after and let them know and they said my account was in good standing. And I kept getting calls until i told them they had the wrong number then I got a collection bill for the same amount from Convergent Outsourcing Inc. and I looked up the company and its a scam. The whole thing is all a scam. I didn't pay them anything because I know my account it in good standing.
Product: Debt collection

I am writing to file a formal complaint against CACI Collections regarding an account on my credit report. I have made multiple attempts to resolve this matter directly with CACI Collections, but they have not responded to my requests for debt validation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : DP OF EDUC XXXX Balance Owed : {$4300.00}
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 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 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 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 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 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 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 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 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 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 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 recently reviewed a copy of my credit report and noticed I had inaccurate personal information on my report. 

The following information is inaccurate Phone Numbers : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XX/XX/XXXX In accordance with the fair credit reporting act XXXX, My rights have been violated. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor5 may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Product: Mortgage

XX/XX/XXXX I purchased a home for XXXX. My payments were XXXX a month including my insurance. It was a 30 year loan. In XX/XX/XXXX I refinanced getting XXXX in cash. The mortgage balance was XXXX. My balance on the house jumped to financing {$50000.00} My payments were XXXX a month not including my insurance. I bought that separate. 
My complaint is I have paid on my house for 29years. I still have 9 more years to go before I pay my house off. I am XXXX years old, I will be XXXX when the house is paid for. Principal and interest totaling {$180000.00} for a house XXXX plus XXXX cash. Costing me {$5000.00} for XXXX I may not have all of the figures exactly correct but I do know I made a terrible mistake refinancing. My question is this should not be legal. My interest rate is 8.5. I checked into getting a lower interest rate and I can through Chase at 4.5 getting my payments to {$290.00} a month for 15 years. Then I would be XXXX years old. I am retired and receive an income of XXXX a month. My question is who is getting my money besides the mortgage company and the government. What can I do to pay my house off I still owe about {$32000.00}. Is there any help? Do I have to accept that I have to pay almost XXXX for a house that I got for XXXX plus XXXX cash totaling {$58000.00}. That is XXXX interest. The guy that refinanced got {$5000.00} for giving me {$15000.00}.