23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a foreclosure sale date on my home for XX/XX/2018, however I was under a loan modification review with my servicer, Ocwen Loan Servicing. Ocwen told me they would be able to postpone the sale date because I had not received a response for my Modification review yet. Unfortunately, that was not the case and I guess my home was foreclosed on. On XX/XX/2018 I spoke to Ocwen and they advised me there was a rescission request in process ; I even received an email from the relationship manager at Ocwen, which I have attached stating there was a recission request in process and I had to wait for it to be processed. Once again I had hope and I was in constant contact with the foreclosure attorneys and they also saw the recission request and they advised all I had to do was wait. Then, I received a notice in the mail on XX/XX/2018 from an eviction attorney advising that I needed to be out of the property very soon. I don't know what's going on with my home and I'm not receiving much information from the foreclosure attorneys or from Ocwen. What I don't understand is why they would tell me they would rescind the sell and even send me an email advising it would be done, however they are trying to do the opposite and get me out of my home. I don't know what else to do and so I am turning to you for help.
Product: Credit reporting or other personal consumer reports

Account name : # DEPT OF ED/XXXX, Account : # XXXX, Account name : # DEPT OF ED, Account : # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I am not liable for this debt with Midland credit management of XXXX I first seen this on my credit report through credit karma and i disputed it? Its also shown as an open account? I do not have a contract with midland credit management, they did not provide me with the original contract as I requested or my wet signature and ID verification? Theres not even an account number that I could give you. Thank you for your help in this matter.
Product: Vehicle loan or lease

On XX/XX/year>, an XXXX of the company was presented in person with Copy of Death Certificate of vehicle owner, a copy of her Last Will and Testament, and original Affidavit for Collection of Personal Property, pursuant to A.R.S. Section 14-3971 ( b ), signed by beneficiary entitled to collect personal property of deceased, and notarized. When the company did not issue the new check requested to be issued to the beneficiary, numerous phone calls were made to the company, and then in XXXX XXXX, a certified letter was mailed to the company 's Estate Processing Department together with copies of the foregoing documents and completed and notarized Letter of Instruction and copy of the applicable statute under Arizona Law. The company has continued to ignore the valid request of the beneficiary to make payment to the beneficiary of the amount the bank was holding as a vehicle collateral sale refund.
Product: Money transfer, virtual currency, or money service

Re : CASH APP via XXXX XXXX  XXXX On XX/XX/XXXX i noticed a {$3300.00} withdrawal from my new cash app card in the amount of XXXX I immediately tried to dispute because I had never used the card for a purchase at XXXX. When I went to the dispute link it had my brand new card last four numbers to XXXX with not account number or name. The cash app said pending and to wait until 3 days after which the choices are to cancel the card wait two weeks for a new one or block business both actions would not give me an open account to place my money back into my account. When the last card I had someone tried to pull money out of it I made a suggestion to CASH APP that the company place a widget option on the customer end when people try to pull out of our account that allows us the control to pay, deny or to block the charge when we did not make the transaction or are not prepared to pay it for auto withdrawals. 
That would have resolved it and since then they have not done it and saying that it could take up to 45 days for a refund. That money was for my phone bill I had just transferred it and now my phone is off because of this fraud and they would not give me a Company phone number claiming to not have one, nor a contact phone number for wellsfargo or XXXX XXXX. Told me it would take up to 45 days to get a response and that is entirely to long for a refund that took them three days to take out of my account. The US needs to install regulations requiring all electronic payments to have that extra step which gives the consumer control over handing over the transfer of their money. I requested that it not be paid while it was pending and they did it anyway ;
Product: Checking or savings account

I recently had my debit card stolen, and because I had many automatic payments linked to this debit card I ask for Bank of America to rush deliver the new card. Not once in the entire call did the representative inform me that the rush delivery would be {$15.00}. Had I known this I would have waited for a normal mail delivery. I have to told the bank that the representative never told me about this fee and to reverse it. They have declined, and on top of that, I called for my new card on Tuesday XX/XX/20 and as of today Friday XX/XX/20 I have not received my new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent SEVERAL LETTERS and submitted SEVERAL online disputes to have my Transuion personal statement REMOVED and fraud alert removed! I need ALL personal statements removed from my Transuion credit report. I also need ALL fraud alerts REMOVED from my transunion credit report ASAP.
Product: Money transfer, virtual currency, or money service

I had XXXX sent to my Coinbase wallet on XX/XX/year> I saw it pending then never appeared in my account then my account was shut down with no explanation. Tried to appeal since I didnt do anything wrong customer service had no answers and were pigeonholing me. With no resolve. I sent them the chain showing the transaction and that all account info was right but no help.
Product: Credit card

I recently received an email from Old Navy stating that my account was three months past due. This is a pretty low balance card, and the payments in the amount of $ XXXX/month had been coming out automatically every month, around XX/XX/XXXX. I did not receive a phone call, statement, or any prior communication stating that the account had fallen past due, or that the payments had stopped coming out of the account. As a result, I now have delinquent marks on my credit. None of the my other debt is past due and this has seriously impacted my score. They claim not to have my updated address ( not true ), and also claimed not to have my phone number. The information was available to them, and I 'm not sure why they 're stating it isn't/was n't. I brought my account up to date immediately and will be paying off the card next month. It 's already closed due to 'a history of serious delinquency ', which is strangely both laughable and offensive at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Wells Fargo closed my existing credit card tied to my bank account and re-issued a new credit card transferring the existing balance of the old card into the new one. Wells Fargo did not alert me of this change, nor did they link the new credit card to my bank account. Due to the fact that the new card was not linked to my bank account, I did not see any open balances when I did my routine weekly online banking check. 

It wasn't until the following month ( XX/XX/XXXX ), when I received a statement by mail saying that I had a delinquent, {$300.00}, payment, that I was made aware of this situation. I then called Wells Fargo and immediately paid off the balance. I let them know of the situation, I paid off the balance and demanded that they link the account to my online banking so I could set up automatic payments as I had done in the past. I also asked if they could please write a note about this so it wouldn't appear on my credit score since it was their fault, and they said they would write a note on my account to try and prevent this.

However, my credit score has now been lower for several months due to this late payment on an account that was created to replace an old account without Wells Fargo having alerted me, or informed me of the money that was due or the new account.

Please help me fix my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5500.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally started disputing what I found to be inaccurate information on my credit report with XXXX and Equifax on XX/XX/2020. Both companies responded that the information had been verified but failed to provide me the requested documents they used to verify it. 

On XX/XX/2020, after reviewing my full credit report again, I send another letter to both bureaus with more requests for them to look into a number of inaccurate accounts. They failed to respond within the 30-day window, so I sent another letter on XX/XX/2020. XXXX  neglected to respond at all and Equifax noted accounts were updated but again they completely ignored my requests for documents to verify.
Product: Credit card or prepaid card

I did n't make this charge. I 've never heard of this company and never received anything from them. XXXX XXXX, 2017 XXXX XXXX, XXXX - {$1000.00}
Product: Credit card or prepaid card

I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and BK OF AMER with no successful resolution. XXXX, XXXX, XXXX only reporting me late. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors on my credit report that need to be removed.
Product: Student loan

As a XXXX  borrower pursuing XXXX, I was placed in the XXXX Forbearance in the XXXX  of XXXX. Sadly, I learned from XXXX that the time spent in the XXXX Forbearance would not count towards XXXX credit. I have desired, and still do desire, to exit the XXXX  Forbearance -- and move immediately back into repayment on my federal student loans. I submitted an electronic XXXX  Request XX/XX/XXXX, on the FSA.gov website, with full intention of switching my repayment plan over to XXXX. My federal student loan servicer -- MOHELA -- has indicated that they have received my electronic XXXX  Request. But now here we are in the new year, XXXX, and MOHELA has done nothing at all. Absolutely nothing. And I have spent hours on hold trying to speak with representatives to get some sort of explanation as to what is going on. And even when I do get through to a customer service representative, no one can give me a straight answer about what in the world is going on, and why can't I switch repayment plans -- which XXXX has stated that borrowers such as myself can switch to a different repayment plan. It is not acceptable for MOHELA, my federal student loan servicer, to do nothing, when I am trying to do something. They are supposed to be providing service. I can tell you from first-hand experience that this has been a miserable experience trying to deal with MOHELA. I have felt like I am trapped in an endless tunnel with no hope of exit with MOHELA.
Product: Credit reporting or other personal consumer reports

BARCLAY statement that they have not received any of my mail if fraudulent. Each presentment was timely and delivered with signature confirmation. 
I ask CFPB examine all the XXXX proof of delivery to Barclays. All XXXX presentments of the registered securities have been delivered to BARCLAYS and signed for by a Barclays representative. ALL DELIVERED ON TIME AND IN HONOR IN FULL ACCORDANCE WITH UCC 3.603. 
I am still waiting for the company to provide copy of my ORIGINAL SIGNATURE on any agreement or other promise-to-pay document that I agreed to the terms they have stated in their previous response of me needing to provide them " A conforming payment is a payment that is mailed using the envelope and payment coupon included with your statement, or mailed with a payment coupon printed from BarclaysUSXXXX and is in the form of a single, non-folded check or money order made payable in XXXX dollars from a XXXX financial institution. XXXX I have provided the ledger and here again will provide the tracking number of all XXXX registered bearer securities the XXXX has confirmed delivery of, that I have in honor and in timely manner sent Barclays for the extension of any of my credit. Also the proof that I rescinded any implied or otherwise given authorization or permission, whether knowingly or unknowingly, for Barclays to furnish or share ANY of my private personal data or consumer information.
Product: Credit reporting, credit repair services, 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  # 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 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  ; Experian and XXXX  are reporting incorrectly that I am ( 90-120 ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. Also, XXXX  ; Experian and XXXX  are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : credit card not mine XXXX XXXXXXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX
Product: Credit reporting

SENT LETTERS TO XXXX CREDITORS ON XXXX2015 AND NO RESPONSE
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I feel victim to a business email phishing/spoofing scam where I sent a vendor payment in the amount of {$33000.00} to a fraudulent Bank of America account XXXX I have emailed XXXX twice and have received no response. The fraud presented when someone intercepted the vendor 's email address, changing XXXX letter in the address to appear valid. They sent me the real copy of the invoice to pay, but with fraudulent XXXX  instructions. I contacted my bank, filed a police report, filed an XXXX, FTC report but still haven't received any response from Bank of America. The fraudster opened an account in the vendor 's name, so it is a fake account. I still owe the real vendor for a payable. I'm very frustrated to have XXXX details on if they are investigating this theft/fraud. XXXX XXXX is the company but the fraudulent email was sent from XXXX, which is not her email. My company is XXXX XXXX and my bank is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I found out that there is erroneous account that is still reporting in my credit report. I already sent a letter for request to XXXX Credit Bureaus to investigate the assumed account, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following item : Collection XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021 regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/2021, I still have not received any response, which is more than 90 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of wrong individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization ) and I noticed that this unauthorized inquiry had been made : When I asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a wrong address on my credit report. I never resided at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. All other reporting agencies have the correct address on file.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid two bills with my Bank of America Mastercard. Bank of America Mastercard charged me a {$10.00} transaction fee for each payment saying that it was a cash equivalent. Never before have I been charged this fee. I called to find out how I could identify what companies would cause this fee to occur. XXXX at Bank of America said there was no way to identify these companies and that they could charge me the fee anytime they wanted based on a companies designation, but he said there was no way I would know the designation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 

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