23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have a mortgage with Ocwen, XXXX, FL XXXXXXXXThe property is at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXAccount number XXXXIn XXXX 2011 we found that we could no longer afford the house. Because we both have bad health our son asked us to move closer to him, XXXX, XXXXWe put the house on the market with XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. The house was being sold as a short sale. XXXX XXXX found an interested buyer with cash. The buyer agreed to all of the terms Ocwen requested. Ocwen proceeded to drag their feet and after many weeks went by the buyer went elsewhere. 
After that point Ocwen told me that I had to have everything removed from the house, appliances, window treatments, everything down to the bare shell. I told them we could not afford the house and they should go ahead and foreclose, an empty house was not going to sell. When the buyer walked away so did our realtor, he said he could not deal with Ocwen anymore. 
Since that time Ocwen has continued to call us numerous times a week, starting at XXXX and continuing until XXXX. 
Every week we get numerous letters from them. They say we 're in foreclosure but continue to harass us. With continuing medical problems that both my husband and I have we ca n't stand the constant calls. We find it difficult to understand what they are saying and asked them not to call, just go ahead and foreclose. After that last conversation I had with them I have received a half a dozen phone calls in one week and numerous pieces of mail. Some of the mail says that I requested it, which is not true. This company ignored a buyer with cash, the only offer to buy on this house. Now they hound us daily. 
If you can do anything to resolve this matter it would be greatly appreciated. If the house had gone through the short sale we would have received approximately {$2000.00}. I think that 's why Ocwen did not accept that sale. Then telling me everything had to be removed from the house, which I did. But I 've spoken with other people and they say they 've never heard of such a thing. 
The price of the house keeps going up with them. A once {$35000.00} house they now want $ XXXXXXXXI think they are crooks, there was absolutely no reason for them to turn away from the cash that was offered, which was an amount they had set. 
They keep saying it 's in foreclosure but they 're doing nothing but harass us. 
Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and im a victim of identity theft I recently checked my credit and found a lot of account that does not belong to me I contacted some of the creditors and investigation came back that information is accurate I also talked to credit bureaus and notified them.Upon talking to some of the creditors they provided me the address that has been used to open the account and those addresses emails that they have on file are my previous addresses phone numbers and emails or they don't even belong to me ( some of them ) I sent them my rental agreement as a proof that the dates that fraudsters applied for the card I was living in different address.
Product: Debt collection

There is a debt ( CENTRAL PORTFOLIO CONT ) showing up on my XXXX credit report that I am not responsible for nor do I have any knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Mortgage

This month US Bank started charging a {$5.00} fee to pay my mortgage monthly payment. Up until XX/XX/2016 this fee had previously not been charged. I have received no disclosures or information as to why this fee is now being charged. Also, this is unfair practices to nickle and dime customers just to make payment on their mortgage.
Product: Credit reporting or other personal consumer reports

Equifax is violating the FCRA. They posted late payments from XXXX XXXX XXXX for goods and services not received and after over XXXX disputes they still refuse to give us the documents. My husband and myself- We both even sent them a subpeona and they refuse. There new excuse for not supplying the iinormation is we are a third party and we are not. XXXX are the people whos credit was ruined. It's becoming very exhausting these XXXX XXXXXXXX dollar companies stealing and ruining my credit they are now violating the law.
Product: Debt collection

I am receiving repeated phone calls weekly by the debt collection company stating that I owe money on the furniture I purchased roughly two years ago. I have explained to the debt collector that most of my furniture was paid in cash and some of it was financed on the credit card the furniture store had issued. we have sent the statements reflecting the payoff of the credit card. the debt collector in return sent me a itemized list of the furniture but fails to show any proof of what exactly is that we owe money for? I have paid of the credit card the furniture was purchased from and why am I being reached out by a collection ageny after two years of the purchase? why did XXXX XXXX not contact us in the past two years? I am 100 % certain my debt if paid in full and if its not I will like the debt collector and XXXX XXXX to provide proof of what exactly it is that I owe the money for. not just a phone call stating I Owe money but not knowing what for.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have an XXXX XXXX Credit card issued by XXXX XXXX XXXX XXXX XXXX. I'm currently an XXXX  and XXXX veteran getting a XXXX XXXX in XXXX  in XXXX XXXX   who honestly went back home to XXXX  during the COVID outbreak. When I went home I didn't update my address and failed to pay the {$XXXX balance on the credit card because I wasn't aware I owed the balance. I've had a banking account for 17 years with XXXX and a credit card account for at least 5 years. 

I've been in XXXX  displaced from COVID for over a month and got an email stating there were changes to my credit score. The credit report stated I had a a delinquent account with XXXX. While I acknowledge I failed to pay this on time, it clearly would've been paid on time but for the fact I didn't see it. I requested that XXXX remove the negative credit report, but I was told XXXX was unable to remove it, but they could refund me my late fee. This is the first negative credit report I've ever had and I requested it removed after being a loyal XXXX customer for nearly 20 years with over 9 of those years banking with XXXX as a served as a XXXX  in the XXXX XXXX. 

The Consumer Financial Protection Bureau ( CFPB ) issued a statement regarding COVID-19 's impact on the Fair Credit Reporting Act and in paragraph 3 of page 1 it states : " The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. '' I respectfully request to remove the negative credit report from my credit report due to the fact I've never had a negative report ever and I was not aware I owed this because I left XXXX XXXXXXXX at the beginning of the COVID-19 outbreak in early XXXX. Further, I've attempted to repay the late balance upon notice of the negative credit report. I've made good faith efforts to comply by updating my mail address so this will not occur. This is a tumultuous time and the CFPB would not have issued a policy statement on this matter if the CFPB did not think this was to occur. 

Thanks in advance. 


https : //files.consumerfinance.gov/f/documents/cfpb_credit-reporting-policy-statement_cares-act_2020-04.pdf
Product: Checking or savings account

I contacted Discover Bank on XX/XX/2022 to close my existing XXXX and transfer funds to a new, higher-yield XXXX. The agent said I had to transfer funds to a savings account, and then open a new CD and transfer into that. He helped me set up the savings account and closed the existing CD, with a balance of {$93000.00}. 

A few days later, the funds were still not showing in the savings account, so I called the bank again. The new agent said that I had been misinformed ; IRA funds could not be transferred into a savings account. She helped me set up a new XXXX account that could receive the funds. That account was active as of XX/XX/2022. No funds have been transferred to that account two weeks later, despite multiple phone calls and assurances that the transfer was imminent ( " within one to two business days '' ). Each time I spoke with a different account XXXX : XXXX in Utah, XXXX in Ohio, XXXX a few days ago, then XXXX yesterday and XXXX in Washington XXXX today. All are very kind and apologetic, promising to connect me with a supervisor who can address the matter, only to find that no supervisor is available after somewhat lengthy times spent on hold ( had to hang up after a 45-minute wait one time ). 

It has now been two weeks of empty promises. Yesterday and today I was promised a return call from a supervisor within 24 hours, but yesterday 's 24 hours has elapsed without a call, and I'm not confident that I'll hear from anyone by this time tomorrow. 

I don't know what else I can do to get the funds moved into my account. How can a bank just close an IRA account without having a plan for transferring the funds to another appropriate account?
Product: Credit reporting or other personal consumer reports

These inquiries I have no knowledge of and it wasn't me and I gave no written permission authorizing such transactions, I've asked Experian countless times to show proof of these XXXX charges aka inquiries that I received NOT ONE benefit from, and track down where they came from and they failed to provide this information for months now. I've sent countless letters its been so hard to get a new car a new house or any new credit cards with them reporting so many inquiries aka charges from a transaction I gave no authorization for.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Customer service would not help and take care of the negative inquiries reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX to report items on the credit profile. Requesting Identification and signature If practices failed prior, my credit shouldn't be compromised as a consumer. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Credit reporting

My concerns are the Inquiries that is on my credit report. I am not concern with the bill you see because I taken care of that already. As you can see I sent them a detail report of the Inquiries on my credit report in which I have no clue why they are on my credit report. This is my complaint against Experian. In which I wrote to them all asking to remove the inquiries that I did n't not authorize with no one verbally, electronically, or written to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained that XXXX XXXX did not have my permission to access my credit per previous Complaint # XXXX. XXXX XXXX replied back they have disputed the inquiries with their client. If XXXX XXXX made the inquiry, why do they have to dispute with their client????? XXXX XXXX is on the inquiry and I did not give another company permission to access my credit. Why are there third party agreements that I am not aware of? And why does Transunion allow third part agreements that consumers are not aware of? TWO COMPANIES NOW HAVE MY SOCIAL AND PERSONAL INFORMATION! Why does Transunion give another company permission to access my credit information without my permission??? Do all large companies in the US disregard the American people and laws until someone says something?
Product: Credit card or prepaid card

Have been a customer of Chase XXXX XXXX Visa since 1991. Had maintained a large balance over the last 10 years, approx {$30000.00}, and was paying 23-27 %  interest on this balance. Evidently I was late for 2-3 payments, and Chase decided to close my account. Unfortunately, they did not NOTIFY that they were doing this. Chase was willing to charge me inordinate amounts of interest on my outstanding balance for years, especially the last 10 or so year, and with out notice or good reason, canceled my account. 

I called to inquire as to the reason for this, and they told me it was " systematic '' The account was automatically closed. Given the situation and the lack of notice, I feel this beyond unacceptable.
Product: Checking or savings account

On XX/XX/2022 I deposited a check from XXXX XXXX in the amount of {$8200.00} to my checking account. Truist bank put a 7 day hold on the check and stated that it was due to a possibility of being fraudulent. I understand that the check could be held for approximately 3 days but 7? So I wait the 7 days and as per my mobile app it says the funds will be available on XX/XX/2022, I look in my account and still no funds are available. I have uploaded a copy of the mobile app screenshot. I call and the girl, XXXX, is telling me the hold is until after XX/XX/2022. I voice my concerns letting her know the funds state they should be available today XX/XX/2022 and does not want to hear anything else. I asked for a manager and spoke to XXXX. She was also unhelpful ; she states that because at the time of my deposit I did not have {$8200.00} in my account and that is the reason for the 7 days hold. Yet another reason, I let her know that when I opened the account, I deposited {$87000.00} check and yet that cleared in 3 days and I surely did not have that amount in my account. Obviously, they do not do any research on your account before placing hold for earlier in the year I had {$15000.00} in my account. 

I can guarantee that tomorrow morning I will be closing all my accounts at Truist! Do not recommend this bank. On another note, I was in another state for 3 weeks and my debit card was not working and the girl had to order me a new one and send it to me, I told her that I was out of town and had no cash on hand. You think she escalated the mailing of this card, no I had to wait 10 days for my card to come with no money. 

Worst service ever!
Product: Checking or savings account

I was hospitalized due to XXXX XXXX and XXXX  XXXX from XXXX. My ex husband and girlfriend commuted fraud on my checking account XXXX and XX/XX/2022 of around {$160000.00}. I was in XXXX  XXXX  during this time and had no access to my account, the account was used to purchase items and pay his credit card bills. I provided Wells Fargo with all documentation, dates and transaction amounts. I also had a customer service representative at a Wells Fargo local branch assist me with the claims. Wells Fargo denied my claims of fraud. They sent so called proof of why the decision was denied the proof they sent were IP address being used which has no validation bc I was XXXX  during that time.
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. XXXX XXXX XXXX XXXX has violated my rights. 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
Product: Credit reporting or other personal consumer reports

I have sent a written Experian about removing soft inquiries from my credit report per 15 USC 1681b.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

i recently reviewed my consumer report and noticed the following unauthorized credit accounts and hard inquires reporting in violation of 15 USC 1681b ( Permissible purpose of consumer reports )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax asking them to remove my fraud alert 90 days ago and they still have not done so.
Product: Debt collection

Called me and said I owed on a payday loan and they were going to sue me and garnish my wages. I asked for the original loan agreement to be emailed to me and they said they could not all they could provide was a letter confirming a payment agreement after I gave them my atm card number.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. NO inquries were authorized by my siguture or verbal consent ; 2. Repositories have neglected to show proof of signature on either the inquiries/loan applications, which has been requested ; 3. Repositories failed to demand proof of my signaure on inquiries/applications within the allocsted 45 days ; 4. Repositiories accepted written explanation of inquiries/application without any backup to show proof even though I challened on several occassions ;
Product: Money transfer, virtual currency, or money service

On   XXXX   XXXX   , 2017, a bu yer purchased a used  Zip Drive from  me for {$20.00} on   XXXX   and sent their payment through  PayPal. This also included the shipping cost. Afterwards, PayPal took a fee of {$.00} from the purchase which left me with a pending balance of {$19.00}. T his led me to having to pay for the shipping cost of {$6.00} on   XX/XX/XXXX  , and not the buyer, an d PayPal said that I would get the money for shipping from the pending balance after the item shipped. Well, now the drive has been delivered, and I still have n't gotten any of the money from the pending balance.    This leads me to my next point. After I purchased the shipping label, I asked them when I 'd get the money, and they basically said within 15 calender days. I received this message on   XX/XX/XXXX .    Finally, the item was delivered, and I still have yet to see any of my money. Apparently you can only get your funds 21 days after the sale, 3 days after the item has been marked as delivered, or after the buyer has left a positive review for the item.   Well, none of these have happened yet, and I would like my money.   PayPal is treating it like it is theirs when it is not, and I 'm pretty sure it 's illegal for them to hold people 's funds. Also, if they stated this somewhere in the fine print, then it must be pretty obscure because I never saw anything saying they would hold my funds.
( In my images, I crossed out the   buyer 's info, but I can provide original screenshots if neede
d. )
Product: Money transfer, virtual currency, or money service

Binance.us refuses for so far over 2 years to let me withdraw MY money in USD or XXXX. Keeps saying account restricted. They do not answer requests for help. Beware. This exchange wont let you withdraw when you want out!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX  : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) Equifax : - XXXX Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00}