23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Received foreclosure notice in XXXX 2015 from Ocwen, during the same time that I underwent a XXXX ( XXXX XXXX ) .The house was scheduled for auction XXXX. I submitted the modification package as well as all requested documents by fax on XXXX XXXX. Ocwen stated there were documents missing, which I emailed twice and uploaded directly to their website. They then said it was too late to stop the foreclosure, but then stated they would send an email and try to stop it. I was told this on XXXX XXXX, XXXX, and XXXX. On the XXXX I was told to call the morning of the XXXX, which was the sale date, to see if the sale was stopped. My daughter called and was told it was too early to tell and to call back later in the day, and that the agent would also call us when he knew the status. We checked the website later that day and it now stated that the modification was in review. The agent called my daughter on XXXX to also advise the sale was stopped and the modification was in review. I received a letter dated XXXX stating the same. We have been checking the website daily to see the status and it still, as I type this, says it is in review. However ; I called last week to check status and was told the property is now real estate owned. My daughter immediately called the local assessors office and was told the deed was still in my name. My daughter spent hours on the phone with Ocwen, left messages with the real estate owned division XXXX, which still have not been returned, and finally spoke with someone who looked into the account and could see something was wrong. The agent said Ocwen has XXXX systems and XXXX said the loan was in modification review and the other said it was real estate owned. The agent stated that on XXXX there was a note stating the foreclosure did not go through and the loan was in review. The agent advised my daughter she would call her Monday, XXXX, with a status update, which she did not make, My daughter left her a message which was returned today, in which the agent advised the house is real estate owned. She said the modification had been denied XXXX times, and my daughter tried to explain that they were denying it because they were saying there was documentation missing, which is why the actual review did not start until XXXX. She also mentioned the letter dated XXXX and the fact that the website still says we are in review, but was met with an unconcerned response. She also mentioned we have received no documentation regarding a sale, or a modification denial. They are saying there was a sale, but we are unable to find any record of this sale with the register of deeds. Please help. We have had this house for 29 years, my daughter and her family live there and have nowhere else to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is appearing on my credit profile With account XXXX. 

I have paid this account 3 years ago in full. No debt is owed and still falsely shows negative on my credit report and only XXXX reporting agency. 

Please remove from my credit profile. This is causing negative consequences to my credit and life.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX, AZ XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX, AZ XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and SYNCB/AMAZON XX/XX/2022.To my acknowledge I have not signed any documents authorizing your organization to review my credit report history, therefore your inquiry into my credit report violates The Fair Credit Reporting Act Section 1681b ( c ) : Transaction not initiated by costumer.
Product: Credit card or prepaid card

I have been unable to view my TD Bank credit card in the app since this card account was purchased from XXXX Bank years ago. 

I called TD Bank customer service and spoke to XXXX. She was unable to assist and said she had to transfer me. I asked follow-up questions as to why I had to be transferred. 

I told her to " hold on '' while I was taking notes of her telling me why she was unable to assist. 

Before I had consented she transfered the call away. 

Terrible customer service when I asked her to please hold on. 

The original issue was never resolved and I still can not view my TD Bank credit card in the TD app
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> [ Credit Reporting Agency Name ] [ Address of the Credit Reporting Agency ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Debt collection

I received a telephone call in XXXX of XXXX from XXXX XXXX XXXX concerning a debt from XXXX that I had no knowledge of. They sent me a letter that I had a " XXXX XXXX XXXX visa '' account ending in XXXX, last statement dated XX/XX/XXXX showing a balance of {$9200.00}. I have no knowledge of this account and have in fact never even been in a XXXXXXXX XXXX store, I had to XXXX it to find out what it was. I will attach their letter and the letter I am sending the collections agency in response. The alleged debt also clearly exceeds the statute of limitations on debt collection based on the Federal Fair Debt Collection Practices Act 15 U.S.C. ss. 1962 et seq.
Product: Mortgage

We have been paying our XXXX mortgage payment, every month on the XXXX of every month for nearly 9 years. 

Recently, we have a competency issue with the XXXX mortgage division regarding knowingly taking an extra mortgage payment in XXXX, on XX/XX/XXXX, after we sent our payment by check for the same amount ( {$3500.00} ) on XX/XX/2018. ( all proof of the " 3 mortgage payments in 2 months '' with bank statements ) is attached. ( The only reason why we mailed a payment in XXXX, was because the Settlement company for the people buying our house called and ( WITHOUT NOTIFYING US, XXXX bank must have (?? but no one told us ) changed our auto-pay date to the XXXX of the month. 

PLEASE NOTE : We did not complain about the extra payment in XXXX, we saw that we were paid for XXXX in XXXX Bank Mortgage 's system until XX/XX/XXXX. This appeared to cover the XX/XX/XXXX payment then. Imaging our shock in the morning of XX/XX/XXXX when I saw that XXXX bank was swiping an XX/XX/XXXX payment then from us on XX/XX/XXXX! 

We immediately called XXXX Bank Mortgage on Monday night XX/XX/XXXX and the call was difficult because of their rude staff, who blamed us for their mistake. Finally, we were transferred to a supervisor, who promised to return the mistaken extra payment for XXXX within about 6 days. 

Today is Friday XX/XX/XXXX and another rude person from XXXX Bank Mortgage called us ( XXXX and XXXX XXXX ) and advised that they should not have to return our extra payment!! We did tell them that our house is under contract and expected to close XX/XX/XXXX, however that is 11 days away and a different issue! 

Why does XXXX bank want 13 payments from us this year instead of 12 and what in the law allows them to take our payment for XX/XX/XXXX when, according to our bank records attached our XXXX payment was made on XX/XX/2018. 

Please make sure that by Monday XX/XX/XXXX that our {$3500.00} is ABSOLUTELY REFUNDED to our XXXX  checking account that ends in -- XXXX as we were promised already on Monday night when a supervisor at XXXX Mortgage promised us. We have been loyal an excellent paying customers for 9 years, and we deserve to be treated right and within the terms of our agreement with XXXX. 

Thanks! - XXXX and XXXX XXXX
Product: Credit card or prepaid card

In the month of XX/XX/2022 I recieved a U.S. Bank Relia Card that I did not apply for. I believe that someone has applied for Relia fraudulently under my name. I have filled out the form for U.S. Bank to deactivate the card. I am also worried that further fraud is being committed in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with a discrepancy on my Equifax credit report since XXXX. My birthdate is wrong on only my Equifax report and I have disputed it a dozen times. Every time I speak to them I get a different story about what needs to be done and why it hasn't been resolved. Multiple times the dispute has come back as " verified as reported '' and Equifax is refusing to give the information on who is reporting the wrong information. This should be a simple fix and has been nothing but simple. 

Here are dispute dates along with case numbers just from the past XXXX years. 

XXXX dispute # XXXX **letter verified it was fixed, it wasn't** XXXX dispute # XXXX **letter verified it was fixed, it wasn't** XXXX dispute # XXXX **letter verified it was fixed, it wasn't** XXXX dispute # XXXX **letter verified it was fixed, it wasn't** XXXX dispute # unknown Disputed via phone employee said he could do it right there and then since it had not been changed after prior disputes. After seeing supporting documents, he fixed it and I verified it by logging in. Upon logging in two weeks later it was back to being wrong again. 

XXXX dispute not initiated called again and employee refused to give company that is supplying the wrong birthdate, I ended up asking for supervisor and was put on hold and came back multiple times to ask if I was sure i wanted to speak to a supervisor and each time advised yes and then after XXXX min of being on hold the call disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft since XXXX I have multiple FTC reports on file between the years of XXXX-now and all accounts included into the FTC report INCLUDING XXXX NEEDS TO BE REMOVED IMMEDIATELY!! There has been a reinsertion of a XXXX XXXX  account, a company who practices are definitely questionable in a court of law from public previous lawsuits, an account that has been previously removed along with their collection account XXXX XXXX due to fraud and has been included in all my previous FTC reports and the lender is constantly reinserting and furnishing INACCURATE INFORMATION TO MY CREDIT REPORT INCLUDING THE ADDRESS ATTACHED TO THE ACCOUNT AND REINSERTED THE FRAUDULENT ACCOUNT THAT HAS ALREADY WENT THROUGH A VERIFICATION PROCESS IN MY FAVOR OF BEING THE VICTIM!!!!! THE REINSERTION OF XXXX REPORTING NEEDS TO END ITS BEEN CAUSING ALOT OF STRESS. I will be attaching Missouri court documents and utility statements that can verify my ACCURATE address at the time of the account being open and validate my current address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX XX/XX/XXXX {$9800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I was notified of an XXXX credit bureau data breach where an unauthorized user accessed the names, addresses, social security numbers, date of birth and other personally identifiable information of 16 million XXXX customers stored on the XXXX server. I have been a XXXX customer for over 12 years and was affected by the data breach. After reviewing my XXXX credit report, I noticed what appeared to be an unauthorized loan from Upstart Network , Inc . I do not recall making such a loan transaction or authorizing a loan application to be executed in my name during the questionable period. Attempts to contact the loan servicing entity have been unsuccessful and no valid documentation has been provided to me to verify the applicant source or executed loan documents. This unverifiable information continues to report on my XXXX credit report, and as a result of the XXXX data breach, it appears I was victimized by identify theft resulting from the data breach.
Product: Credit card or prepaid card

I have tried numerous times with Discover to take out my payment within a decent time. They take up to XXXX days and have taken longer to take out my payment. I have had stellar payment history, even though the pandemic. As soon as I moved to XXXXXXXX XXXX I have been having problems with them taking my payment out. They keep saying it is because my bank has not confirmed that they can take the payment from my account yet, when I call my bank they tell me they haven't received anything from Discover. That has been the back and forth. I live paycheck to paycheck right now due to XXXX and have not been making the money that I used to be making. Taking XXXX days to take out a payment does not work for me, plus they have never done this in the XXXX years I have been with them. This has resulted my account going negative and shutting the card off. Another factor is I could only pay XXXX dollars on my card this month. They received the payment and it was taken from my bank account but ( originally XXXX, - {$140.00} ) and now that the payment processed and went though I am now at XXXX, - {$170.00}. That makes XXXX since to me. If I pay something, usually its supposed to be subtracted from the total not added. They will not help me nor, send the collections payment to someone else so I can pay this off. It has affected my credit score drastically since dealing with this and can do nothing for myself. I am drowning as is with XXXX and having to move cities just to stay afloat.
Product: Credit reporting

I 'm tired of the bureaus ignoring me and not assisting me. I have inquiries on my file that I did not authorize and they are in charge of making sure that my file is correct and accurate. I reached out to them as well as the companies that put the inquiries on my file to no avail. I do n't understand why no one will assist me and the reply from the bureaus I receive is that inquiries are made when companies pull my file and are a matter of record. I do n't need an explanation, I need for them to be removed! I did n't make these inquiries, I didnt authorize them and they need to remove these immediately! 
Equifax unauthorized inquiries : XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting act Axcess Financial accounts has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was driving when I got a cal from XXXX, the chase customer service number. The scammer on the other end sounded very professional like you would expect chase to be and they told me that a wire transfer was trying to be made on my account and he was confirming that it was me, I said no and he proceeded to say that they are going to attempt a wire reversal. First he had me confirm transactions from my account, he even told me which account number so they had my banking info. I the followed his detailed instructions which included adding a recipient which he said was the wire fraud technician and I had to give him access into my account he then had me enter in the amount that was trying to be taken from the account. This ended in me wiring {$5000.00} to them. I was driving when all of this took place so I was partially distracted and they seemed very urgent so unfortunately I was taken advantage of. I opened a claim with chase and they keep telling me it is not fraud because I initiated the transaction and they seemingly do not care. I did not give out information to them carelessly i just didnt know at the time what a wire transfer is which led me to send them money without actually knowing I was doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a store credit card with Macy 's on XX/XX/XXXX. I moved and changed my address in XXXX of XXXX. On XXXX and XXXX of XXXX, I was reported 30 days overdue and 60 days overdue, respectively, on my Macy 's account. I went to the local store and paid the balance when I became aware of this. My Macy 's statements have never been mailed to me at my current address ( the one I changed it to with the post office ). During this time frame, was well within the 12 months of time that USPS forwards mail. I contacted my local post office over the phone and in person to request my change of address confirmation from XX/XX/XXXX. USPS does not keep these records past a year. I inquired whether or not they are archived or if there is a saved email format somewhere, to which I was told there was not. I called Macy XXXXs credit card department and they refused to help me unless I had this documentation, which I explained that I or the post office do not have. My statements were not sent back to Macy 's, which I can only assume that either the post office did not forward those statements to me or that the recipients at my previous address did not return to sender. I called USPS once more to inquire about my change of address confirmation letter and was told the same thing. I have read about many instances in which Macy 's  gives a one time goodwill exception and removes the derogatory mark from the credit history. I am applying for a home loan within the next year and this derogatory mark is the only negative mark on my entire credit history. Due to the fact that my statements never made it to me, I was unaware that a payment was due until I went into the store and inquired about my account. I should not be penalized for this mishap.
Product: Consumer Loan

Ally Financial sent us a bill for {$190.00} for damage to a car returned after lease. We disputed the claim in writing. Ally never acknowledged our dispute and harassed us via phone calls and has now turned the claim over to collection agency, XXXX XXXX, XXXX.
Product: Mortgage

My name is XXXX XXXX and I have been seeking help for loss mitigation from Flagstar bank since XX/XX/XXXX( when my husband moved out ) I spoke with an agent there and they told me since my husbands name was on the loan that he would have to fill out papers with me or have my divorce decree that states me awarded the marital home XXXX XXXX XXXX XXXX, MI XXXX. My divorce was final XX/XX/XXXX. I was awarded the home and filled out another application and faxed it XX/XX/XXXX for loss mitigation at Flagstar Bank. I called mid XXXX to check on the status and they told me they never received it. I then re-submitted the application via uploading it to their website on XX/XX/XXXX Since my loan was a FHA loan I then contacted HUD agent XXXX XXXX who then became in contact with someone at Flagstars loss mitigation center. Tuesday,XX/XX/XXXXXXXX contacted me via email stating Flagstar had once again not received my new application. She then sent me another email stating she spoke with someone at Flagstar and to send them the missing documents ( XXXX XXXX award letter and Divorce decree page 10 ) by Thursday XX/XX/XXXXit would give them time to review my case. On WedXX/XX/XXXX I uploaded the XXXX XXXX award letter as well as page 10 of my divorce decree via flagstars website ( I have attached the proof of me uploading these documents ). Late XXXX I called Flagstar and they 1told me it was too close to the for sale date to review my application. Yesterday XX/XX/XXXX I called to request a log sheet of when I have called and they told me I have to have a court order to do that. So I am coming to you for help. I purchased the home for {$82000.00} and they are selling it sheriff sale for {$45000.00}. I dont understand why they cant help me reinstate my mortgage that is currently at {$78000.00} but can sell it under me for {$45000.00}. Any help is greatly appreciated. 
Thank you for any help resolving my issue, XXXX XXXX ( XXXX )
Product: Checking or savings account

I had my phone stolen in XXXX With that being said i tried to file a police report. Due to covid they said unless it was an emergency or I knew who took my phone there was nothing they could do. I then contacted my bank once I noticed there was wire transfers to XXXX made in XXXX which I did not recognize the name and since then there has been over 20 transactions with XXXX and XXXX. I was able to get XXXX to remove my card info in XXXX after 2 months of trying to reach someone. I filed a claim with suntrust they denied it and then denied the rebuttals. I had over XXXX stolen in 3 months and no action was taken. Suntrust was to block all transactions but never did. I am going to be evicted from my home because of this stolen money and now my account is over {$400.00} negative. Is there anyone who can help me get my stolen money back. I feel SunTrust did not protect me as a bank and they just allowed me to be robbed.