23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX our mortgage company was XXXX XXXX, they were having problems and switched us to XXXX  XXXX XXXX, we were with them about a year and then they sent us to Carrington. Then we were switched back to XXXX  XXXX XXXX, on XXXX when my grandson XXXX  XXXX, my daughter was a single mom and needed help to move from her home to a new one, because she could no long live where her son died and I need to help with the funeral. I sent a letter to XXXX  XXXX XXXX, they did nothing. I decided to look for a different mortgage company, only to be scammed for a year, they took money from us. Then we received a letter from the FBI stating that we had been scammed and that it is in federal court. We sent a letter to them and told them everything the FBI told us to tell them. We do have the proof if needed, also at the time we were out of work due to Covid. Needlessy they switched us back to Carrington mortgage, they gave us a modification, under the under the Covid forbearance act. We were given a 3 % because of our FHA loan, but was still charge late fee and hign interest even though we were under the Covid forbearance. Recently my husband had to have XXXX  XXXX  XXXX, I explained this to them and said I am stil looking for work because of Covid and that my husband company that he work for 32 years, close due to Covid. Then Carrington Mortgage said they will gave me another modification, this time they up the interest to 8.25 %, again adding on late charges and more interest, I don't understand why these two mortgage companies keep going back and forth with each other, something is not right. I went from {$360000.00} to {$510000.00} and this is all during Covid. They say they are there to help, but they are not, they want your home. I am XXXX and my husband is XXXX, we have lived in our home for 38 years, we want to stay in our home. 

Please help! 


Thank you XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX. I had my IRS Tax Return direct deposited on a prepaid card who is insured through the FDIC and issued through The XXXX XXXX  called Card.com last year in XX/XX/XXXX. I lost my card and was never able to obtain another one or ever use any of my money. In XX/XX/XXXX after sending them all the proper identification documents, the company locked my account and did not return me my money instead requesting a letter of identification from the IRS in order to return my money back to the IRS. I've spoken with the IRS /US Department of Treasury and they do not send those letters out to anyone and told me that whatever bank I used is a scam and advised me to hire an attorney. Well its been almost a year and I gave up on getting my {$6000.00} back because i dont have the money to hire an attorney but thought this bank is insured by the FDIC and is never going to give me my money so I'm trying to tell anyone I can about this company and try to get any kind of help or advise on this. My name is XXXX XXXX birth date XX/XX/XXXX and my telephone number is XXXX. You can email me back on this email as well. Thank you.
Product: Checking or savings account

XXXX, XXXXBANK NEW YORK MELLON - DEPRIVE ARBITRATION RIGHTS OF DISPUTED DEBIT CARD CHARGE Bank New York MellonXXXX XXXX  XXXX have , wrongfully, deprived my rights to arbitration. I have tried to invoke my rights to arbitration to dispute a {$10000.00} charge for : *defective work ( libel/slander ), *billed charges for disputing libel/slander *work not requested, but charged - and XXXXwork requested, but not performed. 

There are countless Internet complaints against the law firm that made the charge - alleging similar, unscrupulous billing by this law firm. 

Bank New York Mellon stated in an email dated XX/XX/2022 : " Unfortunately, based on the merchants response we have no rights to continue and submit an Arbitration on your behalf. '' Bank New York MellonXXXX XXXX  XXXX have, wrongfully, deprived my rights to arbitration. 

I, certainly, question how many other consumers have been, wrongfully, deprived their arbitration rights by XXXX, Bank New York MellonXXXX ? 

I, respectfully, seek assistance from the Consumer Finance Protection Bureau to enforce my rights to arbitration regarding this $ 10,000+ matter. 

Thank you very much for your assistance.
Product: Mortgage

I have been attempting to remove PMI from my mortgage. In XXXX of 2023 I inquired about the process with my mortgage company, Freedom Mortgage. I was instructed that I was eligible to remove PMI from my mortgage as I had met the minimum requirement of 20 % equity in my home. I mailed out a check on XX/XX/XXXX to cover the BPO fee. The check was cashed in XXXX, but Freedom Mortgage did not remove PMI. After making several calls to their customer service I was assured that it would be removed starting XX/XX/XXXX. In XXXX I was sent a letter informing me my loan was being sold to XXXX XXXX. Freedom Mortgage intentionally did not begin the process of removing PMI as they knew the loan was being transferred. And now I have to restart the process with my new loan company, all while continuing to pay PMI in the interim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have contacted all 3 credit bureaus and I have asked for late payments to be removed because payment was lost in mail for XXXX and XXXX pay.ents 2017 so O should have only 1 late payment over a 5 year period with the auto loan. I spoke to a representative from Ally Financial and was told that my account would be updated to this day it has not been. Also they are reporting last payments as 4 months ago etc showing balances never going down etc, I have added remarks to my credit file which is a direct dispute under FCRA requirements
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The following inquiries were not and should not be reporting. 



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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 have been sent to Genesis collections for a apartment rental debt I don't owe. Below is the breakdown of information tied to the complaint. 

Rental Company : XXXX, XXXX XXXX XXXX XXXX WA XXXX duration : XX/XX/XXXX - XX/XX/XXXX Received written//mailed notice of bill : XX/XX/XXXX ( 6 months post move out ) Bill amount : {$340.00} XX/XX/XXXX - I reached out to XXXX to inform them that this was breaking Washington 's RCW 59.18.280 : " ( 1 ) Within twenty-one days after the termination of the rental agreement and vacation of the premises or, if the tenant abandons the premises as defined in RCW 59.18.310, within twenty-one days after the landlord learns of the abandonment, the landlord shall give a full and specific statement of the basis for retaining any of the deposit together with the payment of any refund due the tenant under the terms and conditions of the rental agreement. 
( a ) No portion of any deposit shall be withheld on account of wear resulting from ordinary use of the premises. 
( b ) The landlord complies with this section if the required statement or payment, or both, are delivered to the tenant personally or deposited in the United States mail properly addressed to the tenant 's last known address with first-class postage prepaid within the twenty-one days. '' Section 49 of the Signed Lease : 49. DEPOSIT RETURN, SURRENDER, AND ABANDONMENT.

Deposit Return and Forwarding Address. You are required to provide us written notice of your forwarding address, on or before termination of this Lease Contract. Well mail you your security deposit refund ( less lawful deductions ) and an itemized accounting of any deductions no later than 21 days or as amended by Washington state law after the lease is terminated, and you surrender the apartment, or 21 days or as amended by Washington state law after we learn of your abandonment. We reserve the right to amend the charges listed due to later-discovered damages, or if only an estimate was available during the 21 day or as amended by Washington state law period and the actual amount differs from the estimated charges On XX/XX/XXXX - XXXX received an email from a XXXX employee : " Thank you for your patience! We will be reversing all charges and refunding your deposit in full. Please confirm one additional time the correct mailing address? '' On XX/XX/XXXX - XXXX received a notice from Columbia Debt Recovery LLC dba Genesis, stating that I owe {$340.00} to XXXX. This is the same debt XXXX reversed all charges and refunded the deposit on.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to file a complaint regarding late payments that have been inaccurately reported on my credit report. I have attached copies of relevant documentation to support my claim. 

Accounts : XXXX XXXX XXXX XXXX Account # : XXXX Problem : Outdated XXXX XXXX XXXX Account # : XXXX Problem : Inaccurate information on late payments. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX Problem : Inaccurate information reporting late payments Despite my efforts to rectify this matter with the creditor directly, the inaccurate information persists on my credit report. I believe that these inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) as they are negatively impacting my creditworthiness and financial standing. 

Enclosed, please find the following supporting documents : 1.Copies of correspondence with the creditor attempting to resolve this issue. 


I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. I understand the importance of accurate credit reporting and the impact it has on consumers ' financial well-being. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute and ensuring the accuracy of the information on my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/JCPENNEY is reporting that I was late 30 days in paying in XX/XX/XXXX. I have never been late in my payments to this company since I opened my account in XX/XX/XXXX. As of matter of fact, it is the only 30 days lateness on my credit report. It is the first time I see this information. It is not accurate and I want it removed from my credit report.
Product: Credit reporting or other personal consumer reports

These inquiries must be removed immediately as they violate the FCRA 's mandate for accurate reporting. 

Unauthorized Inquiries XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Unauthorized Inquiries Listed below are theInquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries XXXX Listed below are the Inquiries that are being challenged 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 received a notification on my credit report app and i found a new account on my credit it seems like a loan this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, please remove them off my credit report XXXX XXXX XXXX XXXX
Product: Debt collection

Midland funding and XXXX XXXX XXXX XXXX ARE ATTEMPTING to garnish my wages when I wasnt served proper paper work and I have put in a dispute through XXXX XXXX and when I asked for the original signed contract they were not able to provide it
Product: Money transfer, virtual currency, or money service

This person got ahold of me through my listing in the XXXX XXXX as I am selling my stuff. She ( according to her name, a lady ) messaged me and offered to pick up my product. She said she would pay for that as soon as today. Then she asked for my XXXX, but I didn't have any, so she asked me if I had Zelle. I said yes, then I sent her my number and name, claimed that my account was on the limit, and asked for my email because her Zelle is a business type. 
Then she showed me proof that she sent me the {$1000.00} and then got an email from Zelle ( which I did not know that it was just a fake one and disguising themselves to be one ) telling me they got my account on hold and the money the lady sent too but to get it I have to send {$500.00} because that is the minimum amount to open a business account. I tried to send it, but the Zelle in my bank account withheld the {$300.00} I sent to XXXX XXXX, and I have to call them about the on-hold in my account. I told it to this buyer, and that is when she asked about XXXX again and XXXX, which 1 do have. Then she sent some accounts/emails for me to send the money, which did not go through. I don't understand why, but I'm thankful because it could have been bigger than the {$500.00} I lost. They sent me many follow-up emails, which is still the Zelle account they are using. They used this XXXX ; they also used a bunch of XXXX like XXXX, which has a XXXX XXXX XXXX  '', their Zelle info is XXXX XXXX ( XXXX ) XXXX ) under XXXX XXXX, XXXX under XXXX XXXX in his XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account XXXX  has violated my rights 15USC 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 a account without my written instructions 15 USC1666B A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an account with EXETER FINANCE that started in XXXX, XXXX. I made a payment on XXXX/XXXX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XXXX of XXXX and that my bank never declined a payment to exeter finance. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on exeters online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.
Product: Debt collection

The same man keeps calling me he cusses me he tells me XXXX keep adding bills to my name and Ill never have good credit some of the bills he says I owe arent from me Ive asked him to stop contacting me if hes just going to talk to me like he does and not help hes screamed at me many times used language not appropriate Ive blocked numbers over and over he tells me hell do whatever he wants he calls me two times a week sometimes after XXXX XXXX every time I dispute his stuff on my credit he calls and does the same thing my husband has asked him to stop calling to stop talking to me the way he does and this man doesnt stop I have bills now from him that I didnt even go to that hospital I feel like this man is out to get me its Louisiana recovery and the man doesnt speak XXXX very well and he tells me things I dont find appropriate when I dont agree with him
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX 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

THIS IS NOT THE SAME COMPLAINT!!! I have new and updated information in reference to complaint # : XXXX. On XXXX XX/XX/2022 I filed complaint # : XXXX with the CFPB disputing the alleged accounts and reported late payment, XXXX  account # : XXXX and XXXX  account # : XXXX, as well as outlining how your company violated my rights as a consumer under 15 usc 1681. Your company ( Experian ) responded XXXX XX/XX/2022 through CFPB alleging that the referenced account ( s ) were verified. This was well past the 30 days congress gives the credit agencies to respond. This is a violation of 15 usc 1681i ( a ) ( 1 ) ( A ). I am exercising my right under 15 usc 1681i ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. Due to the fact that this is an investigative consumer report I am also exercising my rights under 15 usc 1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name of the company who furnished this information along with their address and telephone number, and the name and employee number of the employee whom you spoke with. Pursuant to 15 usc 1681a ( e ) I am demanding the following : Which neighbor did you speak with? Which associate did you speak with? Which friends did you speak with? Which acquaintances of mine did you speak with? Was the information that you received factual? Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this information must be permanently removed from my consumer report. Your company shall immediately cease and desist any and all collections of this alleged debt because you no longer have the right to assume it is valid since I have already disputed the entire amount in my previous letter.
Product: Mortgage

I have filed several complaints pertaining to a payment plan to repay past morgage payments missed due to covid, the payment plan that was offered the payments where to high for me to afford, and I requested a lower payment, by extending the terms of repayment from XXXX months to a longer period ( XXXX months. They stated that they would send a reconsideration for my request to the XXXX department for a reconsideration of my request. I have just received an update to my credit report, and its states that the account is closed and in foreclosure, without any word on their decision to reconsider my request.
Product: Debt collection

I received a bank statement from BofA in XX/XX/XXXX. I immediately called a reported this. I let the fraud department know I received the card and had not even activated it. This was not my transaction. In XX/XX/XXXX I received another bill with a letter indicating that the findings concluded I was responsible for XXXX dollars. I called and spoke to them again and the fraud case was reopened. 
To make this story short, Ive spent hours on only days off dealing with them. It is XX/XX/XXXX and Im still calling to get this figured out. I was told there was a balance transfer via XXXX and that I was responsible to pay this. I requested documentation for the the transaction and received a blank page. The second time I received a carbon copy of documentation that had everything whited out. The third time I received nothing. 
This company has began reporting to the XXXX that Im behind 30 days while maintaining an ongoing investigation. This is a violation of FDCPA standards and regulations, a violation of my rights.
Product: Mortgage

I have had trouble with Mr. Cooper in the past. I made my payment on the XXXX of last month and and when I got my bank statement they had took my payment out four times, they did redeposit but it cost me check charges n just messed my account up I am on a fixed income so do not have any extra money to play with. Last time it was paying my taxes then saying they would be three times as high next years and raised my payment from XXXX to over a XXXX it took six month to get that fixed now this.