23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is the second time contacting CFPB this year about Ocwen. The first time Ocwen agreed to put the mortgage in my name only as long as I had the paperwork notarized which I did immediately. I called the second week in XXXX and did not receive the relationship manager I was given but was passed onto another. I believe his name was XXXX. I asked him if my paperwork was received and he said yes. I then told him I didn't see where it said a dollar amount I needed to send in or where I send it to. He told me they wouldn't need the money they just needed to get the final approval on the paperwork. Said call back in a couple weeks. A couple weeks went by and I called again. They said that it was still going through the process and should be done soon. I called every two to three weeks checking on this and each time receiving a different relationship manager. Meanwhile they would not take my mortgage payments. Two weeks ago and I called again livid! The women I spoke with told me that all I had to do was send them {$2800.00} and they'd approve it. What?!! I've been wanting to pay three months ago and now they tell me once again if I send them money they will approve it! 
I honestly do not know how this mortgage company is allowed to continue the fraudulent business they have! Every single day I'm stressed to the max wondering if today is going to be the day my house goes up for foreclosure! I on top of all this have received a notice that I will be getting a temporary trial period payments ( Nothing I've seen yet ) and a lawyer that is saying that my house is going to be foreclosed on if I don't pay the full {$64000.00}! Btw before all this modification bs, I only owed {$49000.00}. So I have no idea what the truth is, where I'm suppose to turn and again, how this bank can continue to do this to their customers!! I hope once and for all this gets resolved and Ocwen is made to stop playing with peoples lives. As you can see from these documents, this is what I'm dealing with.
Product: Credit reporting, credit repair services, or other personal consumer reports

My homeowners insurance company sent me a letter at the beginning of this year that my premium for the upcoming year ( starting in XXXX XXXX ) would be increasing by {$1500.00} up to {$4100.00}. They said in their letter that this increase was due to a consumer report on my credit from LexisNexis credit reporting. 
I first thought this was weird because my regular credit score is routinely around 800, but there is apparently a second, different credit score that was used. 
I ordered a copy of my consumer credit report from Lexis Nexis, which was mailed by them XX/XX/XXXX and received by me through the mail some time after. 
In their consumer report I received, there does seem to show any negative information about my family 's credit. I called LexisNexis shortly after to go through the consumer report which appears to show accurate information overall. They could not really explain thoroughly what aspect on the report was actually a negative. The only thing they mentioned was the rolling history of my bank accounts, credit, and loans for which I have never had a late payment. 
The strange thing is that my homeowners insurance is choosing to hold the length of those accounts against me now even though all of them were already in existence when I began my insurance coverage with this company in XX/XX/2017. 
It seems that my homeowners insurance company has arbitrarily chose to hold my account lengths against me now and try to increase my yearly premium by about 44 %.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 a cash transfer of {$250.00} was sent from my debit card account name XXXX XXXX to an unknown person XXXX XXXX name shown is XXXX XXXX though cash app. Once I saw the transaction, I called the bank to stop it and they said because it was pending they can not do anything until it actually posts. So on XX/XX/19 my Girl friend went under my cash app and canceled the transaction which still said pending on cash app it gave me a transaction number. Someone informed me that cash app would refund the money to me within XXXX days it actually says it on its app. Here we are on XX/XX/19 and I have still not gotten my money back from cash app. I have had to cancel my debit card on XX/XX/19 so that this can never happen again. there is no email to contact cash app on, no telephone number all it gives you is a customer support link which send you a pin number that takes you no where on their app. I refuse to lose {$250.00} when I followed the instructions to cancel the transaction. The money was never accepted thank XXXX so I was able to cancel it but now we are at day 9 with no refund in sight.
Product: Debt collection

I enrolled at XXXX last year to start fall school in XXXX. I had some pre-requisuite classes I needed to take as a result of my poor XXXX scores. Due to the cost of attending college at XXXX, I decided to dropout and enroll at XXXX. XXXX has specific instructions on how you can dropout and a dropout request can be submitted online. Due to my pre-requisite classes that I enrolled in, I was flagged as a student who was not authorized to dropout online ( something that I wasn't aware of, when I called the advisor hotline # I was told to go online to fill out dropout request ). I reached back out to the advisor general email box, sent an email on XX/XX/XXXX to explain my situation and screenshots that I couldn't drop out online, an advisor by the name of XXXX XXXX informed me I can't dropout onine and to contact my assigned advisor XXXX XXXX ( only he can submit the request I was told ). The same day I reached out to my advisor, he specifically said to send him an email with my student ID number and a statement that says " I will not be attending XXXX, please accept my dropout request ''. My advisor specifically said " I will take care of it and make sure it does get processed ''. It wasn't until XX/XX/XXXX ( after the withdrawal date ) that my advisor told me, " oh you actually have to fill this dropout form out and send it back ''. This was all after the withdrawal date, so now I didn't qualify for for full 100 % refund and now XXXX claims it is my responsibility to pay this amount, along with Conserve the debt collection agency. I submitted 2 written letters to Conserve explaining my situation in DETAIL, even sent copies of email communications from my advisor with this instructions on how to drop classes. Altought I supplied Conserve with facts, they don't actually research the dispute. They just send a copy of the " XXXX withdrawal dates " and claim my debt is valid. This has happened twice now and CONSERVE is not actually RESEARCHING my concerns. They are not reaching out to the advisors to confirm what they told me to do to succesfully drop my classes. As a result, I'm submitting a CFPB complaint against them. They are not truely a debt collection company that RESEARCHES consumer debt disputes. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my daughter was involved in an accident. In XX/XX/XXXX, the car was determined to be a total loss through the at-fault party 's insurance carrier XXXX XXXX XXXX The car, a XXXX XXXX XXXX, was financed with XXXX and there appeared to be an issue with the 1st check for the payoff as it was taking a while to be received. XXXX, XXXX XXXX XXXX and I had a conference call and it was determined the check was sent to an incorrect address. XXXX provided a new address and suggested the previous check be cancelled. The 2nd check was received, loan paid off, and title issued to XXXX XXXX. On XX/XX/XXXX, I received a notification my credit score had changed and found XXXX reported to all credit bureaus that I was 2 months behind on payments on the XXXX XXXX XXXX. I contacted XXXX and was told the check from XXXX XXXX XXXX XXXX stop payment on it and therefor, it was reported. I then contacted XXXX XXXX who said the 1st check had been canclled but a 2nd check was issued on XX/XX/XXXX and cashed by XXXX on XX/XX/XXXX. XXXX XXXX provided me and XXXX with a copy of the check ( front/back ) showing the 2nd check was received and the title was sent to XXXX XXXX on XX/XX/XXXX. 

XXXX is refusing to provide me with any updates, only telling me I need to call back. When I do call back, I have rehash this same story over and over and it appears they are dragging their feet even though all documentation has been provided to them. Also, this is ruining my credit and I was in the process of purchasing a home and now I have wait until this is all resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 


1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 4 . The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

Accounts linked to identity theft remain on my consumer report despite my prior notification. I never authorized these entries, and their continued presence violates federal identity theft protection laws. Enclosed are copies of my social security card and driver 's license for identity verification. 

You must block and delete these fraudulent accounts from my consumer report within 4 business days.
Product: Money transfer, virtual currency, or money service

Chase Bank has held my US {$5000.00} money for XXXX weeks. This was sent as a wire regrettably due to a single digit error I had entered in the receiving person 's account. 
The routing number as well as XXXX XXXX 's name and address were properly entered on the XX/XX/XXXX wire. 
I contacted my bank ( XXXX ) the following day ( XX/XX/XXXX ) when XXXX XXXX did not receive the wire. XXXX indicated my account entry error was noticed by Chase Bank ( XXXX ) and that the money would be returned. Last week, XXXX put in a formal request for me. From my call to XXXX today I am at the whim of Chase Bank. 
The reference number for the XX/XX/XXXX wire is XXXX. I called Chase Bank XXXX today XXXX pm XXXX XXXX. Chase Bank 's Representative " XXXX '' told me that since I do not have an account, Chase Bank will not help me. XXXX XXXX and I have lost the time-value of this money. 
This certainly was my mistake, but XXXX weeks over a single digit being a XXXX instead of a XXXX with the account 's correct name and address? This doesn't help with money velocity either. I do not have a Chase account. The person receiving the wire has the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not want a fraud alert, that only hurts the consumer and doesn't protect against anything. 
Three months ago I contacted XXXX, Experian, and Transunion concerning unauthorized inquiries, that stem from someone usage or attempted usage from the compromised social security number instituted from the dark web, no accounts were opened but inquiries were listed, XXXX  upon contact agreed to remove the ninety one inquiries on XXXX, sixty eight on Experian, and 51 on XXXX   subject to that correspondence, as of this date, they haven't removed a thing, I just want them to honor their statement and remove the ninety one subjected inquiries.
Product: Checking or savings account

On XX/XX/XXXX two fraudulently written and signed checks had been cashed for {$7500.00} each to an unknown party. One was cashed on XX/XX/XXXX and the other on XX/XX/XXXX. An attempt to cash a third check was made on XX/XX/XXXX, but was unsuccessful because the funds had been depleted from my account. I filed a police report on XX/XX/XXXX, and an affidavit as requested from Discover bank. Discover refuses to reimburse me for the {$15000.00} that was taken from my account via fraudulent checks. They also have sent no correspondence about the matter during the entire process for the exception of the blank affidavit. I had to call and ask to gather the information that they are refusing my claim and received this information from a representative on XX/XX/XXXX. I am proceeding to file a small claims court case against Discover bank unless the funds are rightfully returned. Police report and affidavit attached below.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I am contacting you to dispute fraudulent items on my credit report, which I believe have been added illegally. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccurate items be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report Number XXXX, which provides the evidence of clearly fraudulent credit reporting. Under 15 U.S.C. 1681c-2, once an identity theft report has been submitted, consumer reporting agencies are required to block the disputed information within four business days of receiving the report and documents. The Federal law mentions that credit reporting records " with the identity theft must be blocked unless the items on my credit report are associated with this identity theft and must be blocked. '' I am writing to certify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and filed a complaint, which is mentioned above and referenced. My credit report contains fraudulent ACCOUNTS that are not associated with me. All relevant documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report : Inquiries : 1. XX/XX/XXXX XXXX/XXXX/2024
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX  Account Number # XXXX Please update- All New Reporting Information to- paid as agreed and current 4. These following address are errors never lived there XXXX XXXX XXXX XXXX, Georgia XXXX Please remove it from my credit report. 

5. These following address are errors never lived there XXXX XXXX XXXX XXXX XXXX GA XXXX Please remove it from my credit report. 

6. These following address are errors never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Account was included in XXXX, remove immediately for inaccuracy. I sent you proof directly from the creditor that this would be removed and does not belong on my credit report, but I am still seeing it listed! Remove this account immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Bank of America closed two accounts without notice or explanation even though Id never missed a payment. Accounts ending in XXXX  and XXXX. Ive also attached screenshots of the multiple payments Ive made since account opening numbering in the XXXX  or sometimes XXXX  per month in payments.
Product: Credit reporting or other personal consumer reports

I literally called transunion 4 times on XX/XX/2023 to create a new account to access my credit report and file a dispute online and let them know after deleting my profiles for inactive account associated with my social I am still not able to create and account on service.transunion.com this issue has literally been occurring for two years and with no help or assistance I have been given the run around with the online web service account creation department
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with my credit report for a few years. I have other names and accounts the may have been confused with my personal credit file. My name is XXXX XXXX XXXX. PLEASE DELETE ANY VARIATIONS OF MY NAME. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE DELETE ANY OTHER ADRESS ON MY FILE THEY ARE NOT ACCURATE. THE FOLLOWING ACCOUNT I DON NOT HAVE ANY CONTRACTS, BILLS OF SALE, OR DISCLAIMERS FROM THE CREDITORS? I DEMAND THAT YOU PLEASE PROVIDE REQUESTED PROPER DOCUMENTATION AS BEFORE. SIGNED CONTRACT, UCC1,2,3, ANY PROOF OF CLAIM FOR THE FOLLOWING ACCOUNTS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID and will be filing a FTC report and Police report as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid all my Citi account on time and want this history on my report. 
It is blank and considered negative. 
When I call Citi, they say they do not know what I am talking about. 
I give them the info off the credit report. 
The credit bureaus report it as potentially negative so it is holding my score down. 
I want the updated history that shows several years of being paid on time. Or remove it.
Product: Debt collection

I called the collection company Wake Field & Associates that I never was at the urgent care or ER. I also asked for them to send me a copy of documents with my signature or something to validate the debt and they never sent anything. They said the debt was for a minor child which I never signed for and from my knowledge its against the law for a minor to be seen without parental consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$380.00}, XXXX XXXX Balance : {$2300.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Fraudulent charges were made on my Wells Fargo credit card from XX/XX/XXXX through XX/XX/XXXX. Wells Fargo had stopped sending me statements in XXXX of XXXX. As a result, I had no visibility of the fraudulent charges. I discovered the fraud when Wells Fargo reported me to the credit bureaus. I immediately contacted Wells Fargo and reported the fraudulent charges. This was in XXXX of XXXX. Wells Fargo responded in writing that the fraudulent charges would be removed from my account. Wells Fargo has not yet removed the fraudulent charges from my account. Despite many attempts at resolution, Wells Fargo remains in violation of the Fair Credit Billing Act.
Product: Mortgage

My previous mortgage company CitiMortgage sent me a XXXX from my foreclosure in XXXX four years after the fact in XXXX, requiring me to re-file my income taxes. In the letter from CitiMortgage it stated if I had to re-file my taxes they would reimburse the filing fees, which they have still not done to date! I had mailed them the documents which they claimed they did n't receive then I faxed them and they received them but after numerous calls to customer support, they continue to forward my claim to other individuals or departments with still no explanation or reimbursement for their mistake.