23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

New Rez XXXX has not paid my property taxes and out of my escrow account and my account is now delinquent. The company has not been helpful in resolving the matter. They continue to give me the runaround, end calls, transfer calls, etc. I have been calling them for two months regarding this issue. I have never, ever dealt with such horrible customer service. Not one time has my call been returned, I have not received one update regarding this issue or any resolution whatsoever.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

on XX/XX/2018 I called to settle my account for less than the full balance, I wanted my credit report to that I settled for less but no balance was owed as a result. 

I was given a settlement offer of {$73.00}. I paid it, waited ten days. I updated my credit report and my credit report indicates that i still owe {$40.00}. there are no remarks of a settlement being made, on my credit report. it still shows that the account is active. 

in the mail i got a payment letter, that simply indicates they collected {$73.00} with no verbiage of any kind indicating a settlement had been reached. 

I was clearly mislead, into thinking I was getting a " settlement for less than the full balance '' and that i would owe XXXX  as a result of such settlement.
Product: Debt collection

PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. THANKS
Product: Credit reporting or other personal consumer reports

Iam not liable for the debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX They did not provide me with the original contract that I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$78000.00} XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$51000.00} XXXXT XXXX Date Opened : XX/XX/2005 Balance Owed : {$4900.00}
Product: Credit reporting or other personal consumer reports

The charge card company XXXX or " XXXX '' as stated on my credit reports refused to respond to the numerous request sent in to them by the credit bureaus on my behalf. I used my XXXX XXXX charge card one time in the total of {$1600.00} and promptly paid the balance off in full. Seeing though I am in the market to purchase a vehicle for my business, I need the decrease in credit utilization to give my scores a huge boost so that I can secure the financing for said vehicle. However, when I called in to XXXX on the XXXX of XXXX to ask why haven't they responded to my disputes to update my account, I was told that due to the company 's protocol of updating account information, they will not honor my request to XXXX out my balance before the XXXX are up and since my account is updated once a month on the XXXX, that I would have to wait until the XXXX of XXXX to see that payment reflected. I found this to be quite strange and annoying seeing as any negative information that happens with my account would be reported and updated immediately, plus I never been told by a creditor that they will not respond to a dispute opened by the credit reporting agencies. I was given a XXXX balance letter by XXXX of the reps but, they must've known that the letter is futile if the company doesn't respond to the dispute because that is exactly what XXXX Transunion and XXXX told me. Basically the XXXX balance statement is worthless.This has cause me great strife and many financial setbacks. I've been denied loans lines of credit and many other things due to my utilization being too high and mostly from this XXXX account.
Product: Debt collection

THIS PHONE NUMBER /BUSINESS/DEBTOR IS CALLING FOR A FORMER EMPLOYEE ( SOMEONE BY THE NAME OF XXXX ) AT THIS JOB. IT IS NOW MY WORK NUMBER AND THEY CONTINUOUSLY CALL EVERYDAY INCLUDING SUNDAY AND AT LEAST TWICE A DAY ( SOMETIMES 4 TIMES A DAY ). I HAVE ANSWERED SEVERAL TIMES REQUESTING THAT IT BE REMOVED AND ADVISED BY THE REP THAT IT WOULD BE REMOVED ONLY TO HAVE IT CALL EVEN MORE TIMES A DAY AND MORE FREQUENTLY. THIS IS HARASSMENT AND IT NEEDS TO STOP IMMEDIATELY. 
THANK YOU IN ADVANCE!
Product: Credit reporting or other personal consumer reports

Upon reviewing my Credit Report, I have identified inaccuracies within certain accounts which may adversely impact my Credit Score. It is imperative that these discrepancies be rectified promptly. The erroneous accounts, along with their respective details, are outlined below : Experian : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} =======XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXXT Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} =======XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00}. Under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 USC Section 1681i, I kindly request an investigation into the disputed accounts. Pursuant to 15 USC Section 1681i ( 5 ) ( A ), you are afforded 30 days from receipt of this credit repair request to complete the necessary actions, unless an alternative timeline is communicated to me promptly. Failure to verify these accounts within the stipulated timeframe constitutes non-verification, necessitating the prompt updating of said accounts as per Section 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, This is not the first time we've had an incident regarding my personal credit report. Unfortunately, for months you have ignored complaints that XXXX was reporting incorrect information on my credit report. 

I am demanding verification under FCRA, and since I know you can not produce the following, I demand you remove XXXX XXXX from my credit report. 

This card was closed and never in arrears. 

Open Date Charge off Date ( Never Charged Off ) Payment History Borrower Names Balance Are all incorrect on my credit report. Therefore this item needs to be removed. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

This complain is against OCWEN FINANCIAL SERVICES.
We have had our Mortgage through OCWEN FINANCIAL SERVICES for almost
6 years plus. We originally started with GMAC until they went bankrupt and sold our mortgage to OCWEN FINANCIAL SERVICES. We have had numerous problems with this company. ( too many to mention ) The complaint we would like to make today is the fact that OCWEN refuses to put my husband 's name on the mortgage, even though it was on it in the first place until they refinanced the mortgage. OWEN FINANCIAL SERVICES stated that my husband 's name could not be added because he was in a bankruptcy and the house was included in this bankruptcy. We have told them time after time that the house was NEVER-NEVER-NEVER in any bankruptcy. Our attorney wrote letters and called them saying that the house was NEVER in bankruptcy. Still OCWEN would not add my husband 's name to the mortgage. We would like this matter to be looked into and corrected so that my husband 's name is put in first place and then mine to follow. We want it this way so that his credit gets built up as he makes all of the payments. Right now he has a very low credit rating and it is because he is not getting the recognition of having paid this mortgage payment. Please try to remedy this situation as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report. As per the Bankruptcy court they dont report to the credit bureaus.

2. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Credit reporting

The US Bankruptcy court is reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not verify or report this information to the Credit Bureaus. That information was pulled by a Third Party and they reported. After disputing directly to Experian to remove this from my report they stated that is was verified by the US Bankruptcy court and that is a blatant Lie. Therefore the Bankruptcy must be removed immediately from my Credit Report with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my XXXX XXXX mortgage account number XXXX was refinanced. On XX/XX/XXXX my refinancing company, the closing agent, sent full payment of {$190000.00} to pay off my loan with XXXX. Two weeks later XXXX sent me my escrow check so I thought everything was well. A couple of days later I started to receive mails that I was late on my mortgage mind you I have never been late. I contacted XXXX  XXXX and their representatives told me that my loan was paid in full and that all was well. However the mails about missed payment kept coming. I call XXXX again and they said maybe that mail was sent before the loan was marked pay off. Now the mails did not stop now they reported miss payments to the credit bureaus decreasing my credit score dramatically down 101 points. I called XXXX  and the representative then told me well I see your account pay off but they charged you a late fee of {$35.00}, then she said Ill transfer you to another department. Once transferred I spoke to a man, name XXXX. He looked into it and said he filed a dispute about the false reporting and instructed me to email CBR dispute about the situation and that they would fix it. He also advised me to file a dispute with the credit bureaus which I did. 3 weeks later XXXX reported my account as closed to Transunion however with a balance of {$190000.00}. They also reported that false information to XXXX. I have proof of the wire transfer to XXXX on XX/XX/XXXX paying off my loan in full. However they keep reporting these false reporting to my credit and ruining my good credit scrore that I have worked hard to keep. When I call them they say one thing and then they report these false report to the bureaus. I also have proof of emails that I have sent to XXXX with no response. I do not know why they are reporting these false reporting of late payments when My account was paid in full.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> ano notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I also asked for the original contract to be provided and it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke with XXXX at Experian in regards to the account listed for XXXX XXXX XXXX XXXX. I advised her I paid this loan off in XX/XX/XXXX XXXX and received my title in the mail. I asked why this account was showing as a charge off. She stated that is what was verified. On XX/XX/XXXX, I submitted an online dispute in regards to this information and asked that the chargeoff be verified as correct. On XX/XX/XXXX, I received an emailed response that this information was correct and the dispute was closed. On XX/XX/XXXX, I submitted a typed and signed letter via certified mail to  Experian asking that they send me any correspondence from XXXX XXXX that they used to verify what they are reporting. I also requested a return signature. Not only did they not sign for the letter they also did not provide me with the information I asked for. On XX/XX/XXXX, I received a letter from Experian saying they would not re-investigate this issue. Again, they have not provided me anything in writing showing me how they verified this information. On XX/XX/XXXX, I called Experian and spoke with XXXX in CS and XXXX in disputes. They stated there was no open dispute on my file and that the letter I sent was n't enough to warrant a dispute. My letter is asking for proof that they are reporting information correctly not to dispute that the info isnt mine. They have failed to do so on more than one occasion.
Product: Credit card or prepaid card

XXXX/XXXX/XXXX I contacted Citi customer service via chat to make sure the automatic payment is cancelled. The representative assured me the withdraw will not happen. So I made separate payment amount of $XXXX.XXXX from other bank.XXXX/XXXX/XXXX Citi did not cancel the automatic payment, and my account is overdrawn and return check fee($XXXX) from Citibank and overdrawn fee($XXXX) from my bank account were charged.XXXX/XXXX/XXXX I contacted the Citibank and they say they will return their fee and provide $XXXX statement credit for the overdrawn fee. I again made sure they will not overdraw again.XXXX/XXXX/XXXX They overdraw my account again, return check fee ($XXXX)  and overdrawn fee ($XXXX) were charged. XXXX/XXXX/XXXX  They again claim they will return the both fees after the statement is issued.XXXX/XXXX/XXXX I contacted them numerous times after the statement but they say no fee will be returned.I attached the Citibank statement showing the $XXXX charged twice, and the bank statement showing $XXXX charged twice.
Product: Mortgage

On XX/XX/XXXX I paid XXXX Mortgage payment, the XXXX Wells Fargo took my check to XXXX XXXX Bank Alaska for payment and first payed the first ask, but not the second ask as Wells Fargo did a double presentment. The second has sent Wells Fargo into removing my payment and claiming that my Bank did not honor the check. 
XXXX XXXX payed the check and there is no sign of a return of money to the account. 
Wells Fargo is now claiming " Return to Maker '' Wells Fargo has the money, they are having a real problem in Finding the funds that they still have, and are Sending notices that I am behind and that they are getting close to starting the paper work on foreclosure..
Product: Mortgage

I advised wells Fargo that i was requesting relief because i live in a federal disaster area. they are refusing to apply said relief to my account. i did not make my XX/XX/XXXX payment due to hurricane Irma. I made myXX/XX/XXXX payment on XX/XX/XXXX and they are refusing to post it to my account. this is what they sent me. 
XXXX XXXX : Thank you for your partial payment toward your mortgage loan account ending in XXXX. 

Since we 're unable to make partial payments to the loan, we 'll hold these funds for you until you make the rest of your payment. At that time, we 'll apply the full amount of the monthly payment to your loan. Your due date will not advance until the full payment is applied. 

You may incur a late charge if we do not receive your full monthly payment by the end of the grace period. Please make the full monthly mortgage payment by the due date on your billing statement. 

Please call XXXX for more information and to pay the remaining balance. Our hours are Monday through Friday, XXXX XXXX to XXXX XXXX, Saturday, XXXX XXXX to XXXX XXXX Central Time. 

please advise them that they are in violation of the federal disaster declaration from XXXX XXXX florida. They are nothing but crooks and belong in prison.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAME, ACCOUNT and reaction inside 4 work days : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Product: Checking or savings account

In XXXX, I received several checks from my mutual fund company that were distributions from my father 's estate. I held these checks about a week and then deposited them in my local credit union. About a week later, I sought to transfer most of the funds to a money market savings account with Ally bank where I already had a joint account with my wife. Unbeknownst to me, the mutual fund company had stopped payment on the checks because of a calculation error. I noticed this almost immediately when my credit union account showed a large negative balance and immediately filled out forms at the credit union to reverse the XXXX transfers. The people at the credit union were very helpful and did not charge me for the several returned check fees that would have accrued. Later that XXXX, I initiated contact with Ally bank to close the account. I was told this would happen. It did not and my login at Ally showed this account with the balance that it would have had if the XXXX transfers had cleared but that the funds were not available. After about a couple of months, I finally got Ally to make the funds available show XXXX from the initial deposits and they said they would close the account. This never happened despite repeated requests. The account has accrued a bit over XXXX XXXX  in " interest '' that was credited on the phantom balance. They have continued to promise to make the account balance XXXX and close the account but this has not happened. Now I am exposed to the possibility of receiving a 1099 for this " interest '' that is not mine. This may also expose _me_ to accusations of some sort of shady dealing. I would just like to be done with Ally bank and I can not believe they will not resolve this. I believe this is likely due to laziness and/or incompetence in the Ally bank IT department who are unable to bypass and resolve this somewhat unusual situation. I have attached an account statement. I have numerous messages with Ally as well and can add these if needed,
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entry on my credit report for the accounts listed below, with account numbers. I believe this entry is inaccurate and request that the late payments be removed from all my credit reports. 
I kindly request that you investigate this matter and remove the erroneous late payments from my credit report. 
Also citing 15usc1681 ( 4 ) and 15usc 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX