23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sent to the address for the cashier of the mortgage servicer ( SPS ) a check in the amount of {$100000.00} - It sent it XXXX XXXX XXXXXXXX. XXXX says it arrived at the cashier on XX/XX/28 at about XXXX. The check was made payable to me ( I endorsed it ) and them as the mortgage servicer. This check to fully pay off my mortgage. 

I have been calling them to find out the status with varying results. Today I spoke with XXXX who told me that their system showed that the check was there and was being researched. She then transferred me to their claims department where " XXXX '' told me that they didn't have the check ( including referencing that " XXXX '' told her that they didn't have it in XXXX XXXX XXXX ) and my best course of action was to get a new check. 

Getting a new check will be " difficult ' as it was the result of a lawsuit with an insurance company. I attach a XXXX receipt showing that they go the check. 

In my various contacts with SPS they have suggested that the check is there and they have escalated to have it applied to the account. 

Today after this they placed me on a long hold and then I was disconnected. The letter I attach is a copy of the one I sent in with the check. This one was addressed to the claims department.
Product: Debt collection

I received an email XX/XX/XXXX saying something for a loan was being processed for " XXXX XXXX ''. I assumed it was a scam/spam email, since I have never used XXXX  before, so I ignored it. XX/XX/XXXX I got an email saying I was approved for a {$1400.00} loan for XXXX XXXX. Again I ignored it. I then received emails on XX/XX/XXXX and XX/XX/XXXX with links to XXXX with information about " my loan ''. I did not click the links. On XXXX i got an email with confirmation for a total loan on {$1600.00} being accepted for XXXX XXXX. I got an email on XX/XX/XXXX saying payment for {$140.00} was due in 3 days. On XX/XX/XXXX I tried to reach out to purple mattress with nobody answering my phone call. I also called XXXX and was told over the phone, the loan was my responsibility and that I could fill out an affidavit. I filled out the affidavit and sent it with no response. I email them again and was told that the loan was my responsibility. I tried multiple times to dispute this with them and they denied it. It has since gone to my collections. I do still have all of these emails.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXXXXXX XXXX XXXX account XXXX and validation was requested as this was an account I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate that this account belongs to me, nor has my credit report been updated to reflect that the account is in investigation.I do not believe that this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect and account continues to negatively affect me.Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Checking or savings account

I am a XXXX year old XXXX man, and I use a XXXX. I do not own a car, and can not drive. I 've been a victim of identity fraud by my younger brother. He made XXXX dollars worth of fraudulent charges on my debit card number. He never received any cash from an atm because he did n't need to. He used the XXXX  money transfer feature to have money sent from my debit card number, to his bank account. There are several other persons that he sent money to from my debit card to their bank account. I have sat down with the bank manager and identified all of the fraudulent charges from XX/XX/XXXX, to XX/XX/XXXX. I  pressed charges against my brother, and gave the case number to the bank to include with my disputed charges. Regions has denied to credit any of my money back despite having pressed charges against my brother. My brother made all of those fraudulent charges with my name and now it looks like I made the transactions and this is not the case. If the ip addresses can be examined from these erratic charges, they will see that the card was being used in two different places at the same time. Me being XXXX is important in this. I live in a seperate county than my brother, it 's about an hour and a half away. I ca n't drive and do n't own a car, so it 's impossible for me to drive to XXXX, Arkansas, use the debit card several times, and drive back to XXXX, Arkansas, use the debit card , drive to XXXX again, and use the card again, the drive back to XXXX where I live. Regions has denied my claim for these disputed charges. I needed all of this money back, for i 'm handicap and do n't have a job. My brother stole all of it from me. It took me too long to catch on but i 'm not very smart in these matters. My brother knew this about me and took advantage. I was advised to put in a complaint with CFPB. That the CFPB investigates matters just like mine, where it takes more than just glancing over the case, and takes more attention to the details. I need your help. I need this money back, or i 'm not going to be able to pay my rent in XX/XX/XXXX. Thank you, XXXX XXXX.
Product: Credit card

I used an XXXX XXXX credit card by Synchrony Bank to make an XXXX purchase from XXXX XXXX. A XXXX days later a XXXX items were shipped via XXXX. A XXXX days later I get an email that my order is canceled. When I tracked the items already shipped it showed the shipment is being returned to the shipper. I contacted XXXX XXXX and they said the order did not pass internal integrity checks so it is canceled. 

XXXX months later I did not receive a refund for the shipped items and can't get a response from XXXX XXXX so I mailed in a dispute with Synchrony Bank. XXXX weeks later their website showed the dispute closed yet i received no communication from them. I called them to initiate another dispute. XXXX weeks later it showed closed again. I submitted a XXXX dispute via their website message service. I included printouts of the original order, the order again showing it canceled, and the XXXX tracking showing the items returned to the shipper at the shipper 's request. 

Synchrony Bank found in XXXX XXXX favor stating I signed a XXXX  agreement. 

The merchant canceled the order on me, the items were returned to them before being delivered to me, and I never received the items.I provided proof of all this. It's not possible to find in the merchant 's favor. It's fraudulent and unethical to continue billing me for items I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number ****XXXX-XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX Store Credit card at XXXX or XXXX of 2017. 

I never get their credit card or any of their balance statements to my mail address. 

During XXXX, XXXX and XXXX of 2017, I controlled my card balances at their store with my SSN, if there is any balance, I paid. 

I went overseas, when I turned back to US and I was sure that there should not be any balance, but when I checked XXXX balances, there was XXXX USD or so. These were 60 days late. I paid down all the balance. 

I have no idea how this balance happened, it may be either someone got the Credit Card from my mailbox instead of me or XXXX charged some kind of monthly fee, that I have no idea. 

The 60 days late payment for this small amount is seen as " Serious Delinquency '' in my credit scores and affects my life very badly. 

If I had any chance to get their credit card, I would know the card number and register their online system to eliminate it, but I never got that card. 

I reached XXXX about the issue multiple times, they refused to give me my card number by phone, they refused to delete late payment from my credit reports. 

Once they told me that they can send my statement to my mail address, so I would have a chance to learn my card number, but that statement never reach to me also. I closed my account with them. 

Several times I tried to dispute for that late payment, but they refuse to delete it on my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/2022 I received an email from XXXX ( XXXX XXXX XXXX XXXX  ) saying that my credit score had changed. I was shocked to see that my XXXX score had dropped about XXXX points from XXXX to XXXX. 
2. Prior to this I had never received any notification or statements by either mail or email letting me know that I had any amount due on this credit card. 
3. On XX/XX/2022 I called the credit card company. The representative said I should send a dispute letter to FCRA. 
4.On XX/XX/2022 I called XXXX again and asked for a supervisor. He claimed not to be able to do anything. But said I should file a dispute. 
6. On XX/XX/2022 I called Transunion. They also said I should go ahead and file a dispute with FCRA.
Product: Mortgage

As of XXXX XXXX, XXXX, Ocwen again changed the reporting of my account. They now report that I missed a payment and paid a balance less than the full amount. My credit score dropped considerably. I 'm filing another complaint with the XXXX XXXX XXXX XXXX. I also emailed XXXX XXXX with Ocwen Obudsman. 

There were never any missed payments. This must be corrected. 


Closed No Missed Payments {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name OCWEN LOAN SERVICING Account Type Second Mortgage Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 180 Months Monthly Payment {$190.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$24000.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late XXXX Remarks Account paid for less than full balance Paid charge off
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not Be Reported on a credit Reported I Received A 1099C ( cancellation of Debt ) For the following charged off account XXXX xxxxxx XXXX listed after checking my most current Report the updated information stated this Account was still being Reported. this account can not be Reperted as a charge off on my credit report please remove account from my report.
Product: Debt or credit management

GLA collections reached out saying i had an old debt. The address is incorrect first so never received bill. XXXX they said they would if paid in full remove from my credit report. I said perfect send me a letter of agreement if paid in full it would be removed. The collector got angry and refused. Standard legal practice. Told me that's fine we have your work and we will keep calling inadvertently threatening harassment, as well as false promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX & I am including it again. 
XXXX XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX  XXXX Balance : {$440.00}
Product: Credit reporting or other personal consumer reports

Privacy Act of 1974 ( 5 U.S. Code 552a ) According to the record which means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. 

No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request by, or with the prior written consent of, the individual to whom the record pertains. 

Charge off and Closed accounts are in violation of the fair credit Reporting Act and the Privacy Act of 1974. 
Furthermore I was not given notice to make the decision of opting out of the disclosure. 
Every company owes you a privacy notice before they furnish any information to the consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES. '' Because of this violation and these consumers reporting Agencies have kept private information public. I have been affected. Systems have been breached and my Social Security number was stolen and other personal information like phone numbers, emails, passwords, is being used.
Product: Money transfer, virtual currency, or money service

Hello, I have filed 3 disputes and a corporate complaint as my phone was hacked and there were fraudulent XXXX transactions equating to almost {$2500.00} on XX/XX/XXXX. I have been given the run around with PNC on different departments and this is still not resolved. I will get my attorney involved as I am looking to get to a resolution and get reimbursed for direct funds from my personal bank account due to the fraud transactions. It has been 3 weeks and this is not resolved and I have been passed to different departments and there is not a resolution. This is completely unacceptable as I had my other business bank accounts hacked and I received the reimbursements back from them. This matter needs attention asap as this was not handled correctly and I am personally out of funds that I did not authorize or make the transactions as my phone and computer were hacked. The dispute department stated that it happened in my location well yes, likely it did as it happened with XXXX and XXXX XXXX as well as my XXXX credit card and XXXX  credit card and all of the other institutions have refunded me the money back from the fraud charges except for PNC Bank. I spent countless times on hold and Friday, XX/XX/XXXX I spent 4 hours on the phone with PNC and no resolution as they keep denying my dispute and will not refund me my money back from the fraud XXXX charges. I never used XXXX in my entire life and I was hacked. PNC keeps denying this and will not refund me my money even though this has been fraudulent transactions that were not from me.
Product: Checking or savings account

My account with Bank of America was closed due to fraudulent activity. The bank was well aware of the entire situation yet the only solution that was given to me was to pay the closing costs which totaled up to {$280.00} which came from my card being accessed once it got stolen yet every representative I had spoken with was aware that the paperwork they sent me to authorize the investigation I didnt receive because I changed address and even had given them my updated address. My account was closed XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Sunrise Credit on XX/XX/XXXX they did not respond to my written request. I mailed and faxed a copy and received confirmation of receipt. They then reported the account on my credit. This account was already disputed and found unvalidated through another two agency who are selling it.
Product: Mortgage

I have a proof showing that my bank took out my payment. The mortgage told me as long as I pay before the XXXX of the month it would not affect my score or report which had never been a problem for months which i have done. They messed up my credit score from XXXX to XXXX which is a high low drop for the score which upsets me more. I've called, and i have emailed them and they KEEP demanding it's CORRECT however I have a bank statement that shows IT WAS TAKEN OUT ON THE SAME MONTH of the XXXX that was PAID before XXXX OF THE MONTH and it is marked " LATE PAYMENT ''. But I have paid in the same XXXX month and yet my report shows deliquency one month late on XXXX. Please have the mortgage fix and remove the XXXX late payment and convert to current as I demand that i have a bank statement that shows it did took out on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit card or prepaid card

On XX/XX/2019 I was charged XXXX on my Sams club card with Synchrony Bank. I proceeded to call and find out what the charges were for. I let them know it was not my purchase. I have filed fraud charges with the cc company and every time I receive a letter saying I benefited from the purchase when I did not. The purchase was for 2 XXXX XXXX XXXX XXXX ( whatever that is ) I've been writing and calling now for almost 2 years to no avail. Now the charges are a grand total of XXXX and climbing. I have filed a police report and sent a copy to them. Have had no response. Please help. This has affected my credit and my piece of mind.
Product: Debt collection

Portfolio Recovery Associates is reporting bad information to the credit reporting agencies. They are reporting as a factoring company rather than what they truly are - a junk debt collector. This tactic has caused my credit to suffer as a result and they are also stating that I owe them {$840.00} whereby I have never had a credit card for that amount. The credit limit that they are trying to collect on was {$500.00} maximum. the original account was agreed to be deleted by XXXX XXXX but Portfolio Recovery Associats is still trying to collect.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent all the bureaus a certified letter. You received my dispute regarding some transactions and late payments that you and XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, Transunion, XXXX ) stating that the account was verified!!! Account # XXXX and # XXXX Your is report still showing the same exact data which means nothing was done. In XXXX XXXX I was late XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXXXXXX days. The days late are reporting inaccurate then it states on my last letter from XXXX XXXX This item was updated from our processing of your dispute in XX/XX/XXXX so no investigation was done they simply just updated it same incorrect information. 
I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; \n ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) \nreport containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 
Further more lets take a look at 15 USC 1666b\n ( a ) Time to make payments\nA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; \nWhat reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. 
The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance XXXX compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. I am requesting requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. 
LATE PAYMENTS ARE ILLEGAL????? I WILL SHOW YOU WHEN WE GO TO COURT.
Product: Mortgage

I am writing this letter to dispute the denial which we received on XX/XX/XXXX to our recent request for termination of PMI. The reason on the denial letter from our mortgage company was  “Ditech has obtained a valuation showing the value of the property securing the mortgage has declined below its original value.”According to the appraisal report requested through the Ditech process, the appraiser report values our property  at XXXX. The purchase price of our property XX/XX/XXXX was at XXXX which was the appraisal value at the time.  This is an increase in value and not a decrease in value.Our current loan amount as of XXXX XXXX is XXXX  which gives us the loan to value to warrant the cancellation of our PMI. Our request is to have the PMI cancelled as requested through the Ditech process. Please review . Thank you!