23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XXXX of XXXX ( we have lived here since XXXX but refi the loan and had it put in our names inXX/XX/XXXX ) My husband lost his job due to illness. was fired after 5 yrs, because he was out sick and could not produce a note from his doctor that he was 100 % better to return to work his boss also thought he was to heavy to continue to do his job. he tried to get unemployment but was denied, so I had to try and restructure our financial situation for just XXXX income. I was having a hard time. by XXXX of XXXX my husband XXXX started XXXX and the future looked better but in the meantime I was only paying what I could to get caught up. In XXXX I paid for XXXX mortgage in XXXX I paid for part of XXXX..still falling behind I thought it would get better it didnt by XXXX XXXX XXXX was having XXXX and his health at XXXX was deteriorating.He went in to see the doctor the end of XXXX and they admitted him. He was in the hospital XXXX. Hospital bills were huge I had to take care of the home bills keeping lights on water cars with gas and food let alone his prescriptions still couldnt pay the mortgage. Every time I called to talk to Ocwen I got a different person, having to explain everything over and over everyone asked me to do a modification. I did and turned in XXXX pages of documents when I finally heard from them about 30 days later they told me some papers were missing to resubmit another package. Now we are in the end of XXXX and a nod is recorded and sent to our home. I called Ocwen again and they said to just go ahead and finish the package and send it back. I did and then I find out 8 days after I submitted the second package that the investors of our loan do not do modifications. Now they knew this from the begining but failed to tell us and had us do a whole other package only to reject it once again. Did they try to see if we qualified for other modifications? No they said they only did the " In house modification '' I asked about a pre payment plan they said I had to come up with XXXX in 3 days or I could not do it.I asked them why the deed of trust that came to our home was in my mother in laws name when we clearly had the deed recorded in our name. they said it didnt matter. I think it does I have yet to see the deed that we recorded to have the house put in our name in XXXX of XXXX. Now dont get me wrong but isnt it illegal to sell a piece of property under the wrong name? My mother in law has been dead since XX/XX/XXXX.I called and asked Ocwen if they had the " note '' associated with the deed of trust and they said they did I still have yet to see either the deed in the correct name or a promissary note. Please, theforeclosure sale of our home is XXXX XXXX, XXXX I feel they are rushing it cause we have XXXX in equity. Ocwen has not been helpful, has demanded money for a prepayment plan.Has not produced the right documents and has played with us regarding the modifications. If you can help my family please let me know.Thank you and XXXX bless
Product: Credit card

I have a Bank of America VISA Travel rewards card.The card is meant to be used during travel.I am in XXXX and have been using the card to make purchases. Some go through and others i have to call their helpline number and get the transaction validated. 
Today ; i tried to make a purchase and it failed. So i called their number again. The lady asked me a few details to confirm my identity and asked me ti retry the transaction. After i retried the account got locked and wont allow me to do anything or even pay my due bill. They are asking me to visit a BOFA branch in person with two copies of proof.This is not possible since i am in XXXX and not sure when i will go back. 
Date of Transaction : - XXXX XX/XX/2024 ( maybe it was XXXX in the XXXX ; in XXXX it was XXXX ) Merchant : - XXXX Amount between XXXX $ and XXXX $ depending on local or USD. 
The issue are as follows : - 1.The helpline operator shouldn't have asked me to retyr the transaction without being aware of the ramifications in the first place.

2.They wont allow me to pay my card due amount ( around XXXX $ ) so that i wont incur interest in the meantime. 
3.They have no alternatives or workarounds ; when this is their issue to begin with in the first place.

4. All i want to do now is close the account and pay my due so that it doesn't incur interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Case XXXX Company that performed a fraudulent Hard Inquiry, XXXX, resolved the issue on their end and sent a letter to Transunion for them to resolve the issue. Transunion has failed to follow through with removing the Hard Inquiry after receiving the letter from XXXX. Attached is the letter from XXXXXXXX XXXX describing their mistake.
Product: Debt collection

XX/XX/ I retired and moved to another state. XXXX XXXX XXXX XXXX  charged me {$150.00} for the cancellation of the service. I tried to resolve this with XXXX XXXX XXXX XXXX XXXX Retention Department, but it insisted the charge for cancellation is righteous. I was told that if I had requested a transfer of service and that there was no XXXX XXXX  service in XXXX that they would have waived the {$150.00}. I was never informed of that option when notifying XXXX XXXX of cancellation. 

I have been a customer of XXXX XXXX XXXX XXXX XXXX for 10-15 years ( lost count ). It is claimed that the cancellation fee was for termination of a contract seven months before the two-year contract was fulfilled. How is it possible for a company to declare a two year contract when I/we 've been satisfied, if not loyal, customers for a decade or more? They said because we received new equipment 18 months ago. ( That is true in that the equipment we had failed, and their repairman said we needed another one. So apparently that made us a " new customer '' that had to maintain service for another two years. ) All equipment was returned to XXXX XXXX and acknowledged by them as such. 

We did not end service because of a better offer from another cable company. I retired and moved to an XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX where acquiring XXXX XXXX would have been difficult if not a nuisance. XXXX XXXX captured $ XXXX dollars of that/ $ XXXXcancellation fee by absorbing credits we were given for terminating two other bundled services. We are refusing to pay the additional {$80.00} as this constitutes extortion and unjust levying of charges -- for what? non-loyalty?
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized and fraudulent activity on my cred report. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Debt collection

I wanted to let XXXX about false credit reporting by XXXX for my account XXXX Solar panels have not been functional since XX/XX/XXXX, still keep on arranging by sending bills, XXXX XXXX reported to Transunion wrongfully XXXX never signed the loan amount of {$65000.00} and never received it is not ok to report to Transunion I always keep paying all bills on time. XXXX XXXX and XXXX did not provide the Solar panels that were promised. I keep paying to the electric company all the time since solar panels were installed by XXXX XXXX in XX/XX/XXXX. 

It's not fair not. What's the use of getting solar panels when I was paying more than before solar panels were installed? Good leap discontinue service since XX/XX/XXXX my electric bills are much lower still very low than with solar panels were active and very low electric bills after XXXX XXXX discontinue service without informing me. 

its not fair with innocent clients who trusted XXXX XXXX XXXX and than XXXX XXXX which providing financing to Solar company without any research, without my signature on loan documents. I request to publish this fraud on social media to save other people and stop XXXX XXXX from wrongfully doing solar business
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is BMOHARRISBK balance {$1100.00} account # XXXX 30 days late on XX/XX/2022, and XXXXXXXX XXXX.
Product: Student loan

My school that I attended in XXXX through some of XXXX was ruled by the Federal dept to be fraudulent and I completed all the paperwork to have it discharged and I was told via email it was approved for discharge. I notified Navient and they told me I'm still obligated to pay a fraudulent loan. They are now suing me in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}, {$2500.00}, {$0.00}, {$5100.00}, {$4000.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. After sending complaints here in CFPB these negative items are still reporting and my complaints have never been resolved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I noticed that there was another loan on my account I didnt recognize, and it was from a College I wasnt familiar with. And that I never communicated with or ever did a parent plus loan with. So I was confused about why this loan was on my account. 

I reached out to the XXXX and my loan servicer XXXX, and I reached out to the Department of Education. 

Expressing my concern, and trying to find out how this loan came about. After being consistent in calling the College, and speaking to multiple people, I found out my MPN # was used and attached to a loan I never requested nor approved or received. 
The XXXX  had used my credentials without my permission, or knowledge. 
I never consented to a parent plus loan for myself or a student at XXXX XXXX, and the paperwork they sent me shows a loan request with incorrect information for myself address, a forged signature, and a fraudulent email that was used for communication. I advised my loan servicer, XXXX and the Department of Education, and got push back on it. They were not supportive at all, and actually was accusing me of this act themselves. 
I have been mistreated, treated unfairly, and unjustly. All my identity theft and mis usage of my Promissory note, and Forged signature, as well as Violating my rights with the student federal guidelines. All of this has been disregarded by my loan servicer as not being relevant, because my MPN # matched, And it matched because it was taken from a Promissory note I previously had on file with Student aid from XXXX. Not because I provided this information to the XXXX voluntarily. I never gave XXXX XXXX permission to distribute a loan to anyone using my credentials and Master Promissory note. I disputed this with the credit bureaus and Dept of Education ( XXXX ) keeps verifying this Fraudulent student loan is accurate. Although they are fully aware that all my credentials didnt match. 
And the loan was never sent in my name, to me and was never sent to a bank account in my name. They are not assisting me with the violation of the School, but in turn is agreeing with with fraudulent loan and allowing the School to use my information without any repercussions or requesting them to take accountability for distributing a loan without using the proper guidelines. 


I AM BEING DISCRIMINATED AGAINST, and because of their statements made in multiple emails. They are also providing Defamation of my Character.
Product: Vehicle loan or lease

Set up monthly biweekly payments for the XXXX and XXXX of each month. On XX/XX/XXXX deducted via a h from account, posted on XX/XX/XXXX. I later received a notice from Cap One they did not receive payment of XX/XX/XXXX, was charged extra fees, reported as late to CRA, and was provided options to make payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I VISTED XXXX XXXX STORE IN XXXX XXXX, CA. THE LADY AT THE REGISTER ASKED IF I WANTED TO APPLY FOR THEIR STORE CARD, I SAID NO THANK YOU, BUT SHE INSITED IT WAS A SOFT PULL THAT WOULD NOT REGISTER AS A HARD INQUIRY ON MY CREDIT REPORT. 
I SAID FINE AND FOLLOWED ALONG ANSWERING HER QUESTIONS, I GOT THE CREDIT CARD DENIED AND HARD PULL RECORD ON MY CREDIT. 
SHE ARGUED IT WOULD NOT BE ON MY CREDIT REPORT YET HERE WE ARE. 

SYNCB/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required XXXX complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the XXXX complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had multiple transactions on my account this past weekend that I did not authorize. I lost my card Friday evening ( XX/XX/year> ) and over the weekend the card was used. I was unable to file a dispute for a pending charge so I had to wait until they all were completed.

After locking my card and reaching out to Venmo customer support they open claims for each transaction, not even 2 hours later every single transaction was denied and said they found it to be an authorized transaction. How?! I didnt do those transactions. Theyve cancelled my card and sent me a new one but are refusing to send me the money back. They also will not let me reply to the emails. I have no way of contacting their dispute department. This seems extremely unethical. How do you determine that almost {$400.00} worth of transactions were all accurate and were in fact done by me ( which they 100 % were not ) in just under 2 hours?
Product: Credit reporting, credit repair services, or other personal consumer reports

Information  and referenced documentation was disputed with   XXXX   in   XXXX    2017  and It has been more than 30 days since the intital submission. The disputed information was regarding the     XXXX   XXXX   XXXX     and  XXXX  loans. Information was provided showing an open real estate account with  XXXX  that was not included on the report .   XXXX   XXXX   XXXX   continued to report negativ e pay history while I was in an active Chapter  XXXX  bankruptcy.  XXXX  was asked to remove all negative pay history reported by creditors while I was in active bankruptcy status.  Currently   XXXX  is not showing active and that current payments are being made. Negative pay history reported during the time I was under bankruptcy should not be on my report according to the fair debt collection practices act
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am filing this complaint because of a collection account that was placed on my credit report in error and deleted over 3-4 times only to reappear once again recently. This negative account has not only affected me financially but has taken a toll on my general well-being due to the continuous stress it has caused me. It has also prevented me from being approved for housing, a necessity. This collection item was initially placed on all three of my credit bureaus reports however after providing proof that it was incorrect, the account was deleted from all three only to reappear on Equifax and XXXX several times since then. I have spoken to Equifax and XXXX representatives each time it would reappear, and it would be deleted after providing proof that it was indeed erroneous. This account has been deleted in re inserted each time without any notification. I can call Equifax and XXXX yet again and do and dispute by phone but at this point its getting pretty redundant. The account is listed below. 

XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) Acct # : XXXX The collection Item is from an apartment complex that I have never lived at before. The most recent proof I have submitted to the bureaus is the attached document that they, the apartment complex, has sent me stating that they have no documents or records in their systems under my wife XXXX XXXX and myself XXXX XXXX. This document was sent certified mail to Equifax and XXXX. The item was deleted. I was never notified when this account appeared originally on my reports nor was, I notified each time it was re-inserted on my credit file. I have been doing research and found that the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. I was never notified when this happened. It was only brought to my attention when applying for credit and being denied. Can you imagine the stress  and embarrassment this has caused me time and time again? I applaud XXXX for deleting and doing what is right and not violating my rights as a consumer. However, Equifax and XXXX need to do the same. This whole ordeal has just been an ongoing travesty. 

Most recently ( XX/XX/21 ), I sent a certified letter to this creditor demanding all information they had pertaining to this account as I am seeking counsel if I can not get it resolved and I have yet to get a response. Attached you will find copy of email from the original credit stating this is an error because they do not have me in their system, also a cop of the certified letters sent to XXXX, Equifax & the original creditor. 

The only resolution is for XXXX and Equifax to delete this account from my credit report for good and to never reinsert it again. Just as XXXX has done.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, DEPT OF EDXXXX, AND XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX, DEPT OF EDXXXX, AND XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out 2 loans through XXXX XXXX  XXXX in MO in XXXX of XXXX and XX/XX/XXXX. Which the bank didn't report to the credit bureaus. We sent the payment schedule and complete payoffs, that the bank sent to me, requesting that my credit score be adjusted accordingly. 

XXXX  stated that the dispute over not adjusting my credit history and score, couldn't be done because they couldn't verify the information that the bank sent me, and I forwarded to all 3 bureaus. This information was sent to me by the bank and was on their letterhead. I haven't heard from the other 2 bureaus as of today. 

All I'm trying to do is get the information added to my account so that I can go forward in reestablishing my credit history. And as of now I have no credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get them to fix the personal information on my credit report. I have gotten a copy of my credit report and it is showing that I have a bankruptcy on all three of my credit reports, I have asked them to verify this information. Which if they could not very or validate this information. Which this was on XX/XX/2022. 

I got a response back from them saying it had been verified it through the XXXX XXXX XXXX XXXX 

So, I sent a letter to the courts asking if they reported to the Credit Bureaus? They sent me a letter back stating that they do not report to them. Which was on XX/XX/2022 I turned around and sent that letter back to them asking them to remove the inaccurate information at once, that they were breaking the law. Which was XX/XX/2022 I then got a letter back from Transunion stating they had validated it again and would not remove it that they applauded me for trying to fix my credit. That they are here to help me fix it. If that was true, then why are they keep breaking the law? Which I received that letter XXXX XX/XX/2022 Which I still have not got anything from the other two Credit Bureaus XXXX 

Which then again, I sent the letter to show proof to the Credit Bureaus, that they in fact lied about it and that they were breaking the law with the Fair credit act. along with countless others and warned them that I would file a complaint with the CFPB as well contact the FTC to file a complaint. Which they have not removed this from credit report. Which that letter was sent along with the proof from the Courts on XX/XX/2022.