23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

See my complaint attached. See XXXX XXXX vs. XXXX XXXX Transcript attached. See emails attached. I am waiting for Ocwen Loan Servicing counsel XXXX XXXX to respond to my email providing me with a good a day and time when my FBI forensic signature expert can authenticate the American Home Mortgage Modification with my forged signature. The Schedule A with my forged initials. The void assignment and the Manufactured Note. I have attached a part of the 2010 transcript of robo-witness XXXX XXXX swearing under oath to have all the records with him during the trial. Robo-witness XXXX XXXX changed his stories multiple times recalling things from his memory and remembering things around this day and that day. Having no records of amount owed on the bogus loan. Robo-witness - I do n't know of the exact amount! The Judge - the witness could not lay a foundation. XXXX XXXX - XXXX XXXX XXXX owe more then {$300000.00}? The Judge - He said he do n't know! Robo-witness XXXX XXXX either had all the records with him or his did n't? XXXX XXXX, American Home Mortgage and crooked attorneys committed fraud upon the court to be guaranteed favorable judgment to embezzle my home doing the time I was declared permanently XXXX hospitalized and unable to defend myself. Ocwen Loan Servicing unorganized crime operation and its shady pathological employees who lie through there teeth are attempting to illegally embezzle my home to enrich themselves. Ocwen Loan Servicing is the  worst unorganized crime operation of them all. How much more will the American people take?
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME FRAUDULENTLY : XXXX XXXX OPENED : XXXX AMT.XXXX DEPARTMENT OF EDUCATION/XXXX  OPENED : XX/XX/XXXX AMT.XXXX XXXX XXXX ( XXXX XXXX  ) OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX  ( XXXX   XXXX XXXX  ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  XXXX XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX I WOULD LIKE THE ABOVE REFERENCED FRAUDULENT ACCOUNTS DELETED AND THE FRAUDULENT INQUIRIES. 





Inquiry details XXXX  XXXX XXXX from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I have a Capitol One XXXX XXXX that I pay every month with on line bill pay. I do not get statements from them either paper or email. If I want to see my statement I have to go on line and look for them. This is a big part of the problem. I pay them {$75.00} a month every month to clear my balance which was about {$2000.00}. I have this set up in my bank 's bill pay to automatically arrive on time every month. 
In XXXX of XXXX I made a payment of {$35.00} instead of my usual {$75.00}. Unfortunately the minimum due was {$39.00} which I did not have a statement to see. Since I paid {$4.00} under the minimum due I got a {$35.00} late fee added to my account. The next month I went back to paying my {$75.00} a month not knowing I was getting a late fee and added interest EVERY MONTH for the last 18 months because they never sent me a letter or called me about my account. I just happened to go online in XXXX of XXXX expecting to see my balance almost being cleared. You can imagine how upset I was, how angry I was when I saw that my monthly payments were getting taken up by late fees and added interest every month and all the months of on time payments being made for more than the minimum due had gotten me nowhere because of a {$4.00} typo when I paid my bill in XXXX of XXXX. I have never even missed a payment on this card! I called Capitol One and the representative gave me credit for {$210.00} XXXX 6 months of late fees ) and {$94.00} in interest payments. While I appreciate the gesture it is not enough. I wrote a letter to XXXX XXXX at Capitol One and received form letters talking about late fees and interest and saying that I would not be getting any more money back. I called Customer Service again and was told that XXXX XXXX has the final word and nothing more can be done. I have been charged {$590.00} in late fees not to mention all the interest that I should not have been charged. All because of a {$4.00} Typo! And they never sent me a letter or bill, OR called to let me know there was a problem with my account. This is just wrong! Please do what you can to help me correct this injustice!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ELEVATE RECO ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this dispute in reguards to a credit report on a XXXX XXXX Account. On XX/XX/XXXX I wrote to all 3 credit reporting agencies on a problem about this account. Now within 30 days I get back that all 2 stated that the loan was verified but 2 stated that everything was correct and verified which were TransUnion and XXXX. Now XXXX  states as of XX/XX/XXXX there was no data to be reported but Transunion stated there was 120 days late reported on my report. Now between these two reporting agencies there is a mix of information but nothing correct. XXXX  wrote back removing that account because they could not verify the account but the other two stated it was verified. I wrote XXXX XXXX about this matter and ask them to provide proof of said account. Well the time they said has come and go and I also wrote them another letter with no response. The more I piece this all together is that XXXX   and Transunion did not verify the account as they claim. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the account in question. Your failure to positively verifiy this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me verifiable proof, you must remove the account.
Product: Student loan

I have student loans with  ACS  and have been with  ACS  for over 10 years. I had been on an IBR plan and it came time to update information at the beginning of the year and I sent in all required information. I was waiting to hear what my payments were going to be and when they would start up as previously the payments were  XXXX . I then got a bill stating I was late. I called and began making payments on the account trying to catch up. I recently have been talking to a mortgage broker as I am trying to obtain a mortgage. He pulled my credit report and informed me  ACS  had reported me late in   XXXX  2017   . I called them several times to ask them to remove and update the late payment report as it is not accurate. They refused to remove it. I also asked them if I could write a goodwill letter to explain what happened and they said no. I am disappointed at their unwillingness to work with me and my account under the circumstances. It is essential I get the late report for    XXXX    2017   removed to move forward with the mortgage.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

A little background to the story, I 'm an out of state XXXX student. I get a scholarship to study here & the tuition takes couple months to come in to my account. I 'm not working due to the fact that I 'm a full time plus more student. My mother is a single mother, trying to provide both me & my XXXX year old younger brother. It 's very hard especially during this time of the year, when I have to constantly ask my mother for money for food & material/supplies I need for upcoming/ongoing projects ( materials can be pretty expensive! ). Recently, Wells Fargo charged me {$35.00} XXXX on a purchase I had made at XXXX XXXX on a Thursday and money was put in the following day. Throughout the whole weekend, I constantly checked my bank account to make sure I did n't have an insufficient fund & I was doing completely fine. However, just today which is Monday, I checked my account to see that they charged me {$70.00} total for the transactions. I put in money into my account right after and called in to see if they can reimburse the fees but they coldheartedly declined my request and said that there was nothing they can do to help me. I do n't understand how any kind of banking service would be this rude and disrespectful. The charges were n't my fault, but still they refuse to believe that the fault is their system. I 've been a Wells Fargo customer for good 5 years, and yet they still have yet to respect me as a customer & help me out with the slightest thing like an reimbursement.
Product: Credit reporting or other personal consumer reports

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 ( A ) SECTION ( 2 ) : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card

I have been using this card for years with no problem. Normally, when I make a payment, it is credited immediately if not immediately within a few minutes, and if not within a few minutes within a few hours. Recently, I made a payment in the credit card company didn't credit my account. The next day, I called and they said there was a hold on the payment. They couldn't tell me why. I have called three times now and talked to three separate people and they all see the payment has been received and they can't release the hold. Furthermore, they can not contact anyone within their company that can release the hold. The funds were taken from my checking account the following day after I made the payment, so there's no concern from the credit card company 's perspective that there are insufficient funds in my account to cover the payment. They've already received the funds, and the funds have already been removed from my checking account, and still, they will not credit my credit card balance. This has resulted in 2 automatic monthly charges to my credit card to be bounced.
Product: Checking or savings account

I opened a CD account online on XX/XX/2023 for {$30000.00}. The CD account was still pending on XX/XX/2023 but the funds were withdrawn from my funding account. I called to inquire about the account but was given the run-around from their account associates. I eventually spoke with a manager ( XXXX # XXXX ) and was told there was a hold on the funds. He referred me to the 360 CD Account Disclosure page on their website. I read through the disclosure and didn't find anything for holds on funds. I asked XXXX where it was located. He was getting irritated that I asked but he put me on hold. 10 minutes later he returned and reluctantly said the hold was not disclosed in the CD section ; it was disclosed in another section. So I told him that this hold was not disclosed at the time of my account opening. He would not answer. This is an unfair and abusive act and practice. They took my money and would not open the account. I can be earning interest elsewhere. How many consumers will they harm before someone puts an end to this abusive process.
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. 

List of Unauthorized Inquiries : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX - XXXX 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

XXXXXXXX XXXX XXXX This account was removed XXXX sold this account to XXXX XXXX XXXX Then XXXX sales it to source receivables Mng EXPERIAN are reporting inaccurate information to my credit report I have asked several time for them to verify this information that is not mine I have reached out no response back this need to be removed off my credit report due to the fact it is fraudulent COLLECTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Submitting this complaint to you today to follow up the complaints and letters I previously submitted. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX to remove the Disputed Fraudulent items that are completely UNKNOWN to me. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. I feel like the Credit Bureaus have not yet taken action to my previous complaint and I going to follow up the complaints O previously submitted. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX  date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX US SM BUS ADMIN XXXX date of inquiry XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Mortgage

Several months ago we were approved for a loan modification we accepted the offer and made our 1st monthly payment. About a week later we were served with paperwork from the court saying they were4 trying to foreclose on our property. I replied to the notice with a written answer as well as submitted all the paperwork regarding the approval for the modification and documentation of our 1st payment. Went to court and the judge did not understand why we were there when were in the middle of a trial modification and meeting the requirements, he also did not understand why Seterus was " dual tracking '' our loan. The judge found that as long as we made the remaining 2 payments within the required time frame we would be set for a permanent modification. Well here I am on my 3rd and final month to make my last payment before finalization & I receive a letter in the mail on XXXX/XXXX/XXXX stating that as of XX/XX/XXXX our mortgage was being transferred to a new servicer ( less than 10 days notice!! ) Frantic I called Seterus and asked how this was going to effect the modification and after being placed on hold multiple times for over 15-20 minutes I was told that I would have to reapply for a loan modification with the new servicer, even though there are federal guidelines in place to protect consumers from having to reapply. I was told that the previous payments essentially meant nothing and even though they knew the current terms of the loan it did not matter. How is this legal my guess is that it is not they entered into a legal agreement and I kept the terms, they did not and now am in the middle of retaining legal counsel to try and save my home as well as pursue legal action against Seterus and their shady, unethical, shady business practices. I am also filing multiple state and federal complaints regarding their disregard for the regulations set in place to prevent " businesses '' like them from doing this to people and hopefully prevent them from doing business period. I will also pursue any and all legal avenues to make sure that EVERYONE knows what kind of company Seterus is while making them responsible for their actions, I will not go quietly, this is just wrong! It should not be this hard to save your home. I was so happy to be back on track and felt a sense of relief that my home was safe, to now be told that I have to start all over again is devastating to say the least. I also researched the new servicer XXXX XXXX XXXX have had/ or are currently in the middle of class action lawsuits, investigations, fraud investigations etc.This is our home, the only home my children have ever known, I have worked hard to get back on track, but to make us start the process over with a new shadier servicer and potentially risk foreclosure/dual tracking in the process is CORRUPT
Product: Debt collection

On XX/XX/2018 I made a payment in full to Choice Recovery for the amount of {$320.00}. This is the amount I owed in full. I am still receiving phone calls from the company requesting that I pay them again. I have no other debt with this company and the {$320.00} has been removed from my bank account.
Product: Credit reporting or other personal consumer reports

Violation of Consumer Rights under 15 U.S. Code 1681c-2 Request for Immediate Resolution I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter. 
Details of the affected account : ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX BALANCE {$720.00} I have previously submitted a detailed report of identity theft, along with supporting documentation. Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file. 
Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft. 
I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law. 
I kindly request that Experian, XXXX and XXXX conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report. 
I trust that you will prioritize this matter and work diligently to rectify the violation of my consumer rights. 
Thank you for your prompt attention to this serious issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit card

On XXXX XXXX, the Apple Card Rewards & Offers > Merchant Benefits > See Details page advertised the following for Booking.com : Get 3 % Daily Cash when you use Apple Pay on eligible stays and car rentals. 
Plus, earn 2 % in XXXX XXXX Credits, awarded by Booking.com, on eligible stays and car rentals. 
To access these benefits, you must use the Website button to visit the XXXX XXXX for Apple Card customers. 

With regard to a {$490.00} transaction from XXXX on XX/XX/year> at XXXX. 
I did not receive the 3 % XXXX XXXX, only 1 % I used the required link to make this reservation. Booking.com did give me their internal 2 % rewards bonus, establishing that I did in fact use the correct booking link. 

I contacted Apple Card support and was told I was only eligible for 1 % back because I used my credit card number instead of Apple Pay. I had a very frustrating support experience, as the conversations abruptly ended without warning after I took a few minutes to reply and you can not just jump back in as with other XXXX support chats. 

Apple Pay repeatedly failed. Im sure Goldman Sachs/XXXX  can see the failed transactions. For my own convenience Apple Pay is ALWAYS my preference with any of my credit or debit cards. I had no choice but to type in the card number. 

The terms and conditions say I need to book using that link and use my Apple Card it says nothing about Apple Pay, although I certainly did try.