23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear XXXX, I am just writing back to let you know that I have not received a response to my complaint at Ocwen Loan. I have submitted my letter of complaint last XXXX XXXX, 2015. As of today I have not received anything from them aside for letter stating that my case is still open. My case number was XXXX. I apologized that I have to write you again for follow up. I am just very concern about this lack of response coming from Ocwen Loan. My bankruptcy case was discharged last XXXX XXXX, 2015. As of to date, they have not updated their records. I am still on bankruptcy on their records. They have not done anything inspite of my multiple calls to them and letter from my lawyer. The sad part, I can not refinance to a better rate because they are not updating my records and there credit report on me. In short, I am still not moving after 6 years after the bankruptcy. All my records has already been faxed to you through my previous letter. 
Thank you very much for your very kind assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Equifax and asked the These accounts be deleted, XXXX and XXXX already removed these accounts from my consumer 's credit file but Equifax even after i proved that my rights are being violation did not do their part to fix the problem. i'm now seeking you help to get my life back, and make sure my consumer 's rights are respected. they even refused to put a block on my consumer 's credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681a ( 2 ) ( A ) ( i ), Transunion is in violation of the FCRA. Transunion has also violated 15 USC 1681a ( 2 ) ( B ) which is the exclusion section. I am demanding the following inquiries be deleted ASAP : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( via XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was talked into taking out XXXX loans to attend XXXX ( a XXXXXXXX XXXX campus ), I was able to repay and now my credit is damaged. ( Between XXXX ) A few years ago I received a letter that my principal balance was reduced by XXXX, my new balance was XXXX. Was told to continue to make payments at the time I was not able too. Then called XXXX to try and make payment arrangements and with XXXX let who claimed they were not aware? I am willing to repay my loan. Over the years they continue to send me letters requesting re-payment now with years of interest added on. I would like help like help with loan forgiveness. They were not honest about the process and for the loan and they did not allow refunds owed to students that could have covered the loan cost. Thank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I traveled as I always do beginning in the Fall of XXXX to XXXX for vacation and returned in XX/XX/XXXX to the US. Prior to leaving I put an excess amount in my credit card balance to cover any recurring payments and fees while I was away. However, XXXX XXXXXXXX XXXX without my knowledge or consent decided to mail the excess balance to my residence in the form of a check while I was away. As a result, my credit card payments were not posting and I was being penalized with fees for not paying down the balance. My credit report eventually had my account as missing a payment damaging my score from a prior 100 % payment record. My credit limit also went from $ XXXX to {$500.00} from the missed payment. 

I contacted XXXX upon my return to discover what happened and had no luck getting the credit report missing payment corrected or the fees associated with the missed payments. My credit limit was also not reversed to my prior limit.
Product: Credit card or prepaid card

I was unable to continue making payments on my Citi Costco Credit Card sue to Covid hardships. I communicated with a few collection agents for some time telling them I was looking for a drastic solution. Finally on a XX/XX/XXXX I spoke with an agent I had spoke with before telling him I had come across a lump some of money from selling assets of mine, that I would be paying the entire balance of the card the following day so that it would be brought back to current and I could utilize it again and revitalize my credit. He told me this would be no issue, that once the payment posted I would be able to use my card, he even reversed a late fee as courtesy and everything was good to go. Once my {$12000.00} XXXX posted on XX/XX/XXXX, my account was immediately closed, no questions asked. This was not only deceiving but manipulative and plain wrong.
Product: Debt collection

Progressive Finanical calls up to ten times a day or more. They call from several different numbers and states, including the XXXX XXXX. The calls start before XXXX and do not stop until after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information from Midland Credit Management , Inc. 
I have disputed this company previously on XX/XX/2020. I received a cease and desist via mail for filing a compliant before. This company tradeline is damaging my credit history reporting inaccuracies to my credit file.
Product: Credit card or prepaid card

They took my money from my account, showed it was posted and processed, then took it away two days later and charged me late fees when my payment was 2 days early. Fought with me for 8 hours and wo n't fix their mistake now I 'm out {$50.00} and on too of that I have to pay fees that should n't be there. Nothing but lying crooks and they need to be stopped.
Product: Debt collection

Sent collection letter notice by XXXX XXXX XXXX regarding alleged medical debt, asked for verification of debt, received paperwork from XXXX XXXX containing screenshots & print out of account but nothing substantiating that the account belongs to or originated with me.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XX/XX/XXXX {$640.00} Credit Card collection/charge off XXXX XXXX XX/XX/XXXX {$8600.00} Auto Loan inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX personal information Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD DAY SIR / MA I HAVE IN THE PAST MADE CREDIT CARD ENQUIRES WITH THIS CREDIT CARDS COMPANY BUT I NOTICED THAT EACH YEAR THEY WENT AHEAD AND CHECK AND MONITOR MY CREDIT, WITHOUT MY AUTHORIZATION. 

THIS ADDS UP ON MY CREDIT REPORT AS IT MAKES IT LOOK LIKE I MADE THE NEW REQUEST FOR THE CREDIT CARDS. 

ALSO I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, I THINK THE PERSON WITH MY INFORMATION STILL TRY TO GET CREDIT CARDS ON MY INFORMATION AS I RECIEVE SOME DECLINE MAIL WHILE I NEVER APPLIED FOR ANY CREDIT CARD THIS ALSO SHOWS UP ON MY HARD ENQUIRY CREDIT REPORT. 

I WANT THE BANKS THAT HAVE MY SSN THAT MONITOR AND CHECK MY CREDIT WITHOUT MY CONSENT TO STOP DOING SO AND CLEAR UP MY HARD ENQUIRY, AS ITS AFFECTING ME NEGATIVELY. 

I NEVER GAVE THEM ACCESS TO MONITOR AND CHECK MY CREDIT YEARLY, BUT I SEE THEY DO SO YEARLY, I WILL ATTACH A COPY OF THE LIST OS COMPANIES THAT ARE CHECKING AND MONITORING MY CREDIT WITHOUT MY CONSENT AND APPROVAL YEARLY, AND SOME NEW ENQUIRIES I NEVER ACTUALLY AUTHORIZED.
Product: Money transfer, virtual currency, or money service

XXXX sent money over to Wells Fargo that was meant to go back to XXXX app. Please see attachments for more details/clarification on this issue.
Product: Student loan

Exactly how long is Mohela going to have on a prerecorded message that, " due to unprecedented student loan volume ''. At some point it just takes a long time to reach customer service, there is no extraordinary event 2 years always happening, this is normal. 

Customer service reps are poorly trained. I get hung up on, passed around. I get zero assurance and professionalism when I call into Mohela. This servicer needs to improve or another one needs to be obtained.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  OH XXXX SS XXXX XXXX XXXX I need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX
Product: Credit reporting or other personal consumer reports

I have reach out several times to XXXX XXXX reporting inaccurate information on my credit profile. The time frame has been between the date of XXXX  until current. I have sent out a debt validation letter and no response. XXXX XXXX is reporting a balance of {$360.00}.
Product: Checking or savings account

My bank closed my account due to a peer of mine calling his bank and saying he did not receive services from me, the bank then restricted my account 2 days before I had to pay rent so I had to go in person to receive my money from the bank itself and then on Sunday my account is closed and Im being sent a check, I also can not apply for a new bank account and I work 2 jobs
Product: Credit card or prepaid card

XXXX refuse to clear my account They refuse to tell me where is the balance from There failed to process my dispute The. They reduced my credit limit from {$4000.00} to {$300.00} They toyed with me request stuff waisted my time caused me harm and Heath problem I am seeing attorney for law suites XXXX  thinks they could do this and get away with it This is how they do business When customer return everything they keep a balance so they could force customer to make payment pay interest Then when customer ask about the wrong balance they refuse to say they play around menaplate charges late fee do every cheat fraud in the book Thinking customer is afraid and pay without question This will be very costly for XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address. XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting my information incorrectly for the XXXX XXXX XXXX XXXX credit card that I have with the company XXXX. XXXX the supervisor at XXXX, has already informed me via phone call on XX/XX/XXXX that the 2 months for XX/XX/XXXX and XX/XX/XXXX, have been updated on their internal system to reflect that I was NOT late for those months, and that I have 100 % perfect payment history. This information was also submitted by XXXX to all 3 credit bureaus. Also, because my account history is 100 % payments made on time, XXXX XXXX XXXX XXXX also approved me for a credit limit increase from {$1200.00} to the new credit line of {$2400.00}. Experian is still reflecting me as 2 late payments, the incorrect credit limit and has not updated to show that my current balance reported is {$30.00}, NOT {$69.00}. 

Please update because this will help boost up my credit score and will also keep my report up to date and accurate. 

Thank you.
Product: Mortgage

Roundpoint Mortgage will not remove PMI even though my LTV is below 78 %
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a savings account using my social security number.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX CXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$1200.00}
Product: Credit card or prepaid card

I checked my pre-qualified offers on Amex website and got a offer for Amex Gold Card with XXXX rewards points welcome bonus if I spend over {$2000.00} with the card in the first 3 months. I applied for the card after seeing the offer on XX/XX/XXXX, and received the physical card on XX/XX/XXXX. Since I couldn't find information about the welcome bonus on the paperwork and in their app, I contacted customer service to confirm, and was told that my welcome bonus will only be XXXX. I had been transferred to different departments and talked with XXXX different customer service representatives, each of whom gave me a different reason as to why I didn't get the XXXX offer that I saw at time of application. The first CSR told me there wasn't a XXXX offer when I applied, and asked me to provide a screenshot of the offer at application ( which I don't have unfortunately ) ; the second person told me I had an old corporate card that was closed ( which was for one-time use during interview with a company, in order to cover travel expenses ), and therefore my bonus was lowered from XXXX to XXXX ; the third person told me that the bonus offer may change between when I hit the apply button and when the application gets processed. Three people gave totally different reasons, none of which makes sense. I am very disappointed at the lack of transparency and poor customer service.
Product: Debt collection

Portfolio recovery has kept calling and calling me without any reservations at all. I dont know who they are or why they are harassing me. I came across their information within XXXX XXXX and it shows they are reporting two accounts that should not be accounted for. It is hurting my credit opportunities and I would like for them to remove it since I do not owe them anything. They need to provide me with a signed contract between me and portfolio recovery if not they must immediately remove this negative remark and update all credit reporting agencies. Notice is below to them : This will notice will serve as a validation 609 letter. This letter is a formal complaint that youre reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, section 609 section A1A. You are required by federal law to verify through physical verification of the original sign contract, any and all the accounts that you post on the credit report.
Product: Credit reporting or other personal consumer reports

I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT. I will take them to court if they do not remove all of these.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one egged my into applying for a loan with emotional ploy advertisement and denied me then played me to apply again and denied me and now they are telling me to apply again and leave a survey on how I am enjoying capital one. I am being discriminated upon and have XXXX unauthorized inquires because no clear and conspicuous disclosures were given and I was tricked.
Product: Debt collection

I send letter to dispute latter to XXXX XXXX XXXX, XXXX about the debit that they try to collect and i ask them to provide supporting documents about their claim include credit application for this debt ( {$1900.00} from -- XXXX XXXX  ) that signed by me. they did not provide any supporting document that shows i applied for those credit cards. Those account opened and used by fraudulent activity. ALSO, this debit collector duplicate reporting in my credit account. they did not do any proper investigation about debit and instead they just damaging my credit with false claim. 

Date Reported XX/XX/2018 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX XXXX Original Lender XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 6 Months Credit Limit Not Reported Highest Balance {$1900.00}
Product: Mortgage

I started he house buying process with this company and it was an absolute stress filled nightmare. the broker did n't explain things very clearly at all and neglected information at times. say one thing one week, then say something completely different the next. the broker, and loan processor were XXXX near impossible to reach when needed. also a lot of other people I asked about the way this company was doing things all told me that they were shady and not to be trusted or sounded like they were doing some unethical practices. in the end the deal fell thru because of how bad they were dragging their feet and stringing me along. I was also supposed to get me earnest deposit money back, but the kept that and told me they had to get paid somehow. the deal also fell thru and we lost a very nice home. im reporting them to anyone i can because they are a shady company that will steal your money. the company is CityWorth mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  i decided to check my crecit report because i was denied credit.. Well i noticed a credit card that had been maxed out and a bounch of inquiries that i didn't authorize or have knowledge about.. So i disputed these issues with TransUnion and they claim that the account and inquiries been verified.. How? I sent them the police report stating it is identity theft, so I'd like to know how they verified these inquiries and the credit card?
Product: Mortgage

I was approved for a mortgage on my homoe in XX/XX/XXXX for {$110000.00} per the deed of trust. I was paying {$700.00} a month until XX/XX/XXXX. I saw the deed of trust did not have a legal prescription and was not properly filed. This loan was processed through XXXX XXXX XXXX, onto XXXX XXXX XXXX, then onto Fays Servicing LLC ( who owns the loan ). I have filed for Bankruptcy Chapter XXXX with one creditor and I have to file a grievance letter so that I can file for adversary proceeding with my evidence.