23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XXXX XXXX, 2015, Ocwen stated, " At this time, Ocwen has received all information needed from you. Ocwen has requested the attorney complete a title search to confirm the title is clear in order for us to proceed with the DIL review. You will be notified of the decision once the requested information is received from the attorney. '' Since then, I have corresponded with a relationship manager ( in addition to calls from other representatives with contradictory status information resulting in more confusion ). I signed tax documents, closing documents, release documents. I was advised that after this last document was signed at the attorney office representing Ocwen, that the only thing that remains was XXXX FINAL title search to make sure that it was clear. The last document was signed on or about XXXX XXXX, 2015 ( initially submitted XXXX/XXXX/15 but attorneys claimed that I was missing XXXX document which is why I went to their office to sign any document they needed ). This accepted the completed signed documents. I was told that another title search would take XXXX days, at which point if clear, that would close the deed-in-lieu application. Each time I speak with an Ocwen representative, they ask me for time. It has not been over XXXX days and last week Thursday, I was told that the title search has not been done and that I now need to submit XXXX months bank statement. If I did not submit, then the application which I spent months providing documents would be denied. This is an astounding turn of events. I continue to get the runaround, persistent delay tactics, and calls from representatives other than the assigned relationship managers who provide me with wrong information about the status of my application and requesting information that I already provided. Today, I received a call saying that I will be contacted by a NEW relationship manager. And that my previous XXXX provided me with erroneous information pertaining to the final status of my application. 

I feel that I provided ALL information requested and that I should not be required to provide additional information. I also asked the representative with home spoke with today to return copies of all documents that I submitted to date because I am concerned that my private information is not properly secure -- especially since they can not confirm what I had submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is holding me XXXX. As of XX/XX/2020 I have tried 4 times to temporarily lift a credit freeze as part of a home purchase. They keep giving me the run around about how they can not lift the freeze even though I pass all of the security questions. They keep sending me to an overseas call center and refuse to let me speak to a supervisor. 

In contrast, both XXXX and XXXX have been great. 

I do not appreciate how a company which I did not choose can be preventing me from having a credit report run. They should be shut down!
Product: Checking or savings account

All for Truist bank- On XX/XX/23 I received {$100.00} debit memo fee charged to my bank account. I have no idea what this was immediately called my bank. They basically give me very little information. Other than that the {$100.00} was to pay for my other bank account Having had only one bank account for the past five years, I immediately knew this was going to be some sort of fraud or fake charge. 

So I called the fraud department of my bank Truist. In speaking to them I explain to them that Ive never had another account with the bank and that I have had fraudulent accounts opened up before at Truist, and at BB & T ( which they own ) but Ive closed them all. Still clearly Im a target for fraud. 

They clearly did very little with his information because after they did their investigation, they found nothing that was fraud worthy, and they said it was totally legit. 

So after I receive the note that my investigation was found to be not fraud, by clearly called back immediately and filed again, and explain to them again exactly what happened and how its physically impossible that this is anything but fraud. 

The employee took down really good notes and I felt confident. However, still never got any money back and didnt even get any call back or email back. 

Fast forward another month and I called them again to see whats going on. They had refunded two different overdraft fees ( each one {$36.00} ) that were related to my fraudulent charge of {$100.00}. So it felt like my case was obviously going to be deemed fraudulent and I would get my XXXX dollars back. 

However, I called them again on XX/XX/XXXX to ask them what is taking so long & why I havent received my XXXX dollars yet especially since I already received my overdraft fee refunds over 4 weeks ago! 

On XX/XX/XXXX I was feeling pretty good because I spoke with the manager and they said that they were gon na call me back on either the XXXX or XXXX of XXXX to follow up, and that they were able to refund me a {$36.00} overdraft fee in the meantime because Ive been dealing with this issue for so long. 

However come the XXXX of XXXX, I never received a call or a voicemail, and decided to call them up today XX/XX/23, Because of the fact that I have been charged yet another overdraft fee of {$36.00}. 

So this time on XX/XX/23 I talk to the recovery team at Truist for the second or third time as a relates to this issue and all of a sudden now they think its identity theft, and they need to investigate. 

The thing is their investigation team clearly does not know what they are doing because theyve looked at this obvious case of fraud twice and didnt think it was fraud so this is why Im contacting you guys to step in and help me out.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( XXXX ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate items on my credit report and kindly request your assistance in getting them removed. The incorrect information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have attached supporting documents for your reference, including correspondence with the credit reporting agency, payment and any other relevant evidence that substantiates my claim. I believe these documents will demonstrate the errors made by the credit reporting agency and support my request for the removal of the disputed items from my credit report and these are the following items needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

to whom it may concern. I XXXX XXXX am a victim of id theft. i have obtained a police report, id theft report and much more. here are the fraud accounts that i need removed from my report asap. 

XXXX XXXX XXXX  XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX {$1300.00} DEPT OF ED/XXXX   {$36000.00} DEPT OF ED/XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX   XXXX XXXX {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XX/XX/XXXX {$1600.00}
Product: Prepaid card

I purchased a prepaid American Express Visa gift card from XXXX on XX/XX/2024 and loaded {$100.00} onto it, including the activation fee for a full total of {$100.00}. The card and packaging claims it is able to be used anywhere American Express is accepted, both online and in store, and I have not been able to use at either for any purchase at all. XXXX online retailer charged XXXX pre-authorization holds for XXXX cents each but the purchase itself still declined. The balance is still {$99.00} and I can not use the card whatsoever or get a refund, despite having my receipt showing I loaded it myself with my own debit card just one day ago. Both in store and online every purchase declines due to American Express billing/zip code you are unable to change to your own, and the company will not provide a working billing address to be able to successfully use the gift card at all
Product: Credit card

I opened a 0 % credit card account and transferred 2 balances. One had the incorrect account information and credit card name. 
A check for XXXX was issued to Citi Card XXXX XXXX XXXX, XXXX KY XXXX- I have no account with Citi Card. 
Citi Card sent a letter to XXXX XXXX XXXX ( the new 0 % apr card ) saying they could not find the account on XX/XX/2023. 
The check was cashed the following day on XX/XX/2023 by Citi Card even though I have NO ACCOUNT WITH THEM and they asked for account verification. 
On XX/XX/XXXX I was sent a copy of the letter from Cit Card requesting my correct account information. 
I have been out of town and opened the letter yesterday along with an account statement from XXXX showing the balance transfer went through. 
I have contacted both XXXX XXXX XXXX and Citi Card numerous times today with no results. Both are pointing the finger at each other. 
Citi Card will give no info as I have no account, XXXX says they can not cancel the check since it was cashed. 
I will be very grateful for any help with this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from PORSCHE FINL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PORSCHE FINL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and PORSCHE FINL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Product: Debt collection

I been receiving my Dr 'S. bill and been mailing {$50.00} a month as of today I have a balance of {$150.00}. Without notice they send me to collections!!!. I contact them and they said its because i have a balance. In the old days as long as you making a payment in good faith that was enough ... .WHAT HAPPEN, DRS OFFICE ARE GETTING.GREEDY! THEY ARE ALSO SENDING THIS TO RUIN MY CREDIT SCORE! 
thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXX. I believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. 



Account Name : XXXX Account Number : XXXX Reason : Unverified account
Product: Consumer Loan

I fell at work XXXX feet and sustained XXXX. I was out of work from XX/XX/XXXX the day of the accident until XXXX/XXXX/16 when I was allowed to return to work. Capital One knew I had been hurt and was out of work, my workmans comp case was originally approved for {$970.00} per week, almost 30 days after my accident the XXXX XXXX, XXXX XXXX decided to deny the claim so I received no money for two months. I kept in contact with capital one all this time I tried to make two payments one for {$420.00} and one for {$320.00} I told them that I was applying for short term XXXX since the workmans comp was denied and that it would be some time before I had payment. They also knew that I had obtained legal counsel XXXX XXXX XXXX to sue for the back wages and medical bills. I let capital one know that when I received the law suit money I wanted to pay the loan off. approximately four weeks before my court date Capital one without letting me know by phone or by letter came and took the car it was driven to XXXX XXXX all my personal belongings were thrown in boxes I had money stolen from the car it was not in the boxes I called Capital one and they said they had no control over what the repo company did but they are the ones paying them. My employer did not pay me the proper short term XXXX payments some weeks I only received {$300.00} for two weeks time, there was no money for me to make any kind of payment. I had money in my XXXX XXXX 401 K I tried to take it out on a medical basis and they would n't accept the medical bills because there was no insurance payments but I told them that workmans comp denied the claim so there was n't going to be any insurance payment. I then took out a loan to try and get the car back and Capital one has moved the car from the state I am in XXXX and put the car in XXXX, so it puts undo stress on me to have to drive down there and drive back in the same day I asked Capital one to please move the car back to XXXX and they are refusing. If they would have told me if they do n't receive payment there were going to go through the repo process I would have taken the loan out like I did and pay for the car before it was taken now there is more money I have to pay for the " holding charges '' and the repo charges and it goes on my credit again. None of this had to happen if they would have communicated with me I would have told me please wait and let me take the loan out and get what ever funds to them, now I have no car and have had to loan one which is more expensive than a payment and I ca n't get another car with this one car with them in repo status what am I to do the court date is XX/XX/XXXX settlement will be made they already had the deposition and the attorney said to get the bills together they would pay. I do n't understand why they did n't communicate with me or send something in writing I really feel they took advantage of me now my car is in another state and I had my stuff stolen and more charges to pay then I can afford now.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that my personal data has been compromised. As a result my right to privacy has been violated and Equifax , Inc. is responsible. 

Please see attached.
Product: Debt collection

I WANT THEM TO BE TAKEN OFF MY CREDIT REPORT.THERE ARE ALREADYING GARNSHIMENT MY CHECK EVERY XXXX WEEKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern, I am writing to request the removal of unapproved credit inquiries on my XXXX  credit report from XXXX XXXX XXXX. My latest credit report shows 3 separate credit inquiries that were executed inadvertently. The dates are as follows : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Please have these unapproved inquiries removed from my credit report, as they are harming my ability to obtain new credit. Thank you in advance for your assistance.
Product: Debt collection

On XX/XX/2020, I got update from the collection company that they sent the update to credit bureau 's to remove the collection items on my credit file as XXXX XXXX asked the collection company to place the items on hold until they work with my insurance company for paying the bills. On the same day I had been notified that it might take any time between 30 to 60 days to get that collection items removed from my credit file as it depends on Equifax to process the update. I requested the collection company to fasten the process as I am in process of refinancing my mortgage due to low rates and this collection items will have negative impact on my credit file for which I got an answer that collection company did their part of informing Equifax to remove the collection items and they cant do any sort of expedition as its upto Equifax. 

So next I raised a dispute with Equifax saying the bills are paid by my insurance and those collection items must be removed from my credit file, for which Equifax sent the notification to Collection company on XX/XX/2020 requesting if those collection items can be removed from my credit file. Collection Company responded on XX/XX/2020 stating those collections are valid and they have to stay on my credit file until cleared, which clearly contradicts on what I was told on XX/XX/XXXX that the collection company sent the update to Equifax to remove those collection items. 

Now I request you to please look into this matter and help me get my credit file fixed as this collections are impacting my refinance of mortgage. 

Collection Company - Collection Service Center, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX