23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

our mortgage has been sold out to OCWEN LOAN SERVICESAttention : SCRA or ServiceMember XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : ( XXXX ) XXXX has a very strange mortgage services on XXXX/XXXX/2015 we send XXXX payments in XXXX separate transactions XXXX for regular monthly payment of {$2000.00} and a second payment of {$35.00} to be applied to principle. 
then again on XXXX/XXXX/2015 we paid OCWEN {$2000.00} plus another {$13.00} for principal payments. 
in both cases OCWEN did not apply the entire amount to the principal instead they applied it to the following monthly payments of XXXX and XXXX respectively where we asked them to apply the entire extra payment to the principal. Since we did made the regular payments on time and did send the extra payments too we hope Ocwen does the right thing and apply the entire extra payments to the principal.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in 60 days to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

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

I have contacted this company ( Upgrade Inc. ) multiple times regarding them reporting an account to my credit file that does not belong to me. It has been months and I have not heard or seen any change. When I try to contact them the number does not work XXXX. It is a shame and it needs to be handle as it is affect my credit.
Product: Credit card or prepaid card

I signed up for American Express credit card gold XXXX sky miles while the promotion is running. The promotion was that I would receive XXXX delta miles after spending total of 3000 $ within first 3 months. I met the criteria, but I never received those extra points. There is an ongoing investigation since XX/XX/XXXX. The agents keep on telling me that it will be resolved within a few weeks. It still has not been resolved by today, XX/XX/XXXX. On the latest conversation, one of the manager ADMITTED that it can take longer than 2 weeks. They did not offer any compensation in any form for all the inconvenience and time lost. They CAN NOT even guarantee that the issue will be resolved. 

Chat reference number : XXXX
Product: Checking or savings account

I have three charges that I have disputed since XX/XX/2022. The first amount was {$640.00} which was debited from my account. Citibank has not adjusted my account for these two transactions and is stating that I have to wait for some letter to process these claims. This claim is outside the 10 days business time period. Citibank has mishandled several claims that I have submitted to them.
Product: Credit card or prepaid card

I called in regards to fraud and they made a claim. The lady stated I had to pay the card off first as they would send to collections but once the claim is approved I would receive a check for the highlighted items which ran around XXXX dollars. I never received anything other than the claim was approved. I called again and the lady stated she would send the check, however, nothing was sent. Ive spent many hours on the phone with people telling me there is nothing they can do and that I should have never paid the card off. I submitted the documents and did what I was told by customer service and the fraud department and yet I am out nearly {$4000.00} of purchases I did not buy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pro-Collect ( in copy ) refused to provide an email where they accept the " mistake they made '' reporting in my credit a collection that never below to me. 

The reported a collection for {$820.00} for a rental condominium XXXX XXXX XXXX. I have never rented in this place, I have owned my house since 2006 ). 

I tried to speak with the manager at Pro-Collect, but this person refused to talk to me ( my only contact was a supervisor ). 
I was a victim of identity theft from Pro-Collect ; they used my personal information, arguing that my name is common. That was the answer! 

They never took the time to verify the information ; it was very easy for them to use my social security because I have a " common name ''. 

You can contact XXXX XXXX from XXXXro-Collect Inc to verify this information. 

XXXX XXXX was the person who explained to me that they don't send this type of correction by email or letter because it is their " policy. '' Pro-collect can destroy credit and a reputation, but they aren't capable of accepting their " mistake '' in writing. 

I disputed this collection in XXXX and Procollect confirmed that this account is below to me. 

Their phone number is XXXX, account # they gave me is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted XXXX in regards to my XXXX student loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX they show this are loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved
Product: Debt collection

I have been receiving calls from different numbers 5-10 times a day from the same company but they NEVER identify themselves. It 's always an urgent message to call them right away or they 'll sue. Now they 've left me another voicemail threatening to sue today if I do n't call them back. They never identified themselves or what account it was regarding. They have been harassing me for at least the past 6 months. I have attached the voicemail they left me today. 

Here are some of the numbers they 've called from along with Restricted numbers : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need your help with a serious matter related to my Equifax credit report. After checking my credit report I noticed that Equifax is listing my name and credit report as incorrect/inaccurate. 
The account on my credit report in question Account XXXX : XXXXXXXX XXXX  ; Account number # : XXXX. 
I can see that this account has a charged-off status but the report shows an overdue balance, which is a violation of the fair credit act.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX COMPLAINT. 
While banking with XXXX XXXX bank on XX/XX/XXXX. I ran into the trouble with finding employment. As member, I had choice to pay my bills automatically. Going through the struggles, I asked XXXX   XXXX bank to cancel the incoming automated payments bills, instead they informed me that this was not possible. They informed me that this was solely on system. By the end of all this, I had {$950.00} in fees with bank which I paid all of it off to the bank. Bank having little satisfaction, it reported me along with my social security to all its associates and many other financial industries as risk customer. I soon realized that since my name can be found into XXXX XXXX XXXX which completely sabotage my life and shaded my reputation even after I finished paying off the debt that I owed. I would like your office to have XXXX XXXX bank do its duties by taking off my name off XXXX XXXX XXXX as risk customer and stop ruining my reputation. 







1. USAA COMPLAINT. 
While banking USAA bank on XX/XX/XXXX. I fell for scam employment which I happened to receive job offer working from home. This offer came with funds to purchase computer equipment and pre-paid life insurance. Being hesitant customer, I informed USAA customer services that I did not completely trust this new employment since I did not know if the fund were really. I received cashiers check in mail which I went ahead and deposit into my account with USAA. I waited for while for all the funds to be available and USAA customer services insured me that there was no problem with check. So, I started purchasing equipment and other things needed for the job. Within 72 hours, USAA bank fraud department told me that check was fake, and I was responsible for it. I was treated as perpetrator instead of victim. I reported incident to the FBI and I informed the bank that I was not nearly perpetrator and nor responsible. I informed the bank that the case was reported to the proper authority. I maintained my innocence while informing the bank that it failed to do its duty. The authority informed me to stop talking to this employer. USAA bank reported me to XXXX XXXX XXXX and other financial industries as risk customer and shaded my reputation. I would like your office to investigate this matter and advise USAA bank to remove my social security off XXXX XXXX XXXX and stopped ruining my reputation.
Product: Credit reporting or other personal consumer reports

I recently learned of ChexSystems when I was denied opening a new account with XXXX XXXX around XX/XX/. Based on the denial, I was able to see an online report and received a Consumer Score Disclosure Report, showing a score of XXXX out of XXXX. It is a one-pager, written in banking lingo that I had to use XX/XX/XXXXon my laptop to explain to me. I fought the emailed denial from XXXX and now have an account with them, using a screenshot of my XXXX XXXX XXXX score on my XXXX account. 

I had previously heard of Chex in a vague way, that is was about people who bounce checks, leading to the unbanked. I never gave them a second thought because that is not my behavior. 

My banking behavior has changed in the last year, and I never heard that chasing ever-higher savings rates would lower a score I never knew existed and would prevent me from opening bank accounts. 

Online banking itself has changed. I have a number of abandoned applications because 1 ) the financial institution was dishonest in how much work I would have to put in to open an account, including one requiring a notarized statement, which is impossible for me because I do not have a car right now. 2 ) Apparently my XXXX XXXX is too dated to use the required bank app to upload the front and back of my ID and selfie before timing out. 3 ) Lousy customer service, e.g., XXXX XXXX, which took days to answer my questions. I quickly separated myself form XXXX, XX/XX/XXXX, and several other over this issue. For all of these issues, it should be on the bank to play fair in explaining what documents are required and what the minimum tech requirements of the phone being used must have, and retract negative information on me when they poison my Chex score and it was their fault. After months of negative data collection by Chex in secret, I was robbed of being able to complain about the financial institutions in question and to submit consumer statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm composing this complaint to SAGESTREAM. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing
Product: Credit reporting or other personal consumer reports

I've noticed an unfamiliar account on my credit report that isn't mine. I believe it could be due to identity theft or fraud.
Product: Credit reporting or other personal consumer reports

The ongoing presence of fraudulent inquiries on my consumer report has created a devastating cascade of personal and financial consequences, despite my repeated attempts to resolve this issue. As a confirmed victim of identity theft, these unauthorized inquiries have severely impacted my ability to achieve crucial life goals, most notably preventing me from purchasing my dream home and adequately providing for my family 's needs. The emotional toll of dealing with this identity theft has been immense, particularly as I watch these fraudulent items continue to damage my financial standing despite having no connection to or responsibility for them.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and it was showing two 30 day lates, I called Capital one and disputed the entries and the rep wasn't able to explain why 30 day lates where showing. I requested they be removed and they haven't been removed. I sent the dispute in writing, I also sent an Opt Out disclosures and the Civial Liability laws requesting that they be removed.
Product: Mortgage

Step 1 : What is this complaint about? 
This complaint consists of my inability to get my property refinanced with Freedom Mortgage. I have had a mortgage with Freedom Mortgage for almost two years with an interest rate of 4.25. Recently I applied with them to refinance my home. For the last 3 months they have been giving me the run around. The latest thing they have told me is I don't qualify because of a item that shows from XXXXXXXX XXXX. XXXX has told me that this item was discharged 10 years ago. I am seeing my neighbors, who are white getting refinances and home loans who have bankruptcies and foreclosures on their credit report. This leads me to conclude I am being discriminated due to the color of my skin. ( I happen to be XXXX. ) Step 2 : What type of problem are you having? 

Read above Step 3 : What happened? 

Read above Step 4 : What company is this complaint about? 

Freedom mortgage Step 5 : Who are the people involved? 

Mortgages at Freedom Mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with inaccurate information on my credit since XX/XX/XXXX. To this date XX/XX/XXXX there still remains inaccurate items on my report. I have attempted to resolve this issue but to no avail. I have done research with the FCRA and these companies seem not to take the law into concern. I feel like Im being taken advantage of, I have enclosed a copy of my most recent letter.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681. Experian is governed by 15 U.S.C 1681, Experian has violated my rights numerous of times. I demand the accounts below be removed immediately : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX ACCORDING to 15 U.S.C 1681 ; I have the right to privacy and I did not give Experian written permission to furnish these accounts. I have no contract with XXXX. XXXX XXXX. 
I have no contract with XXXX XXXX XXXX Provide original contract for these accounts.
Product: Checking or savings account

I tried to fill up an application to see an apartment. I got charged with XXXX dollars for the XXXX payment. When I went to see the apartment, the person didnt receive my call and blocked me instead. I cant get my money back now. The XXXX email id is XXXX by the name XXXX. Her XXXX id is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts i previously disputed and asked for proof of the previously investigation never did I receive anything.
Product: Credit card

My credit card from PNC Bank Credit Card was compromised when XXXX had a security breach ... I was notified from PNC Bank that they would be sending me a new credit card in XX/XX/XXXX, to replace the old credit card that may have been compromised from the target breach at the end of XXXX XXXX ... I also spoke to them at this time about making a payment and they told me to hold off until I received the new credit card ... .I was supposed to receive the new card in XX/XX/XXXX, however, I did n't receive the new card until XX/XX/XXXX, almost a month and a half later ... .Once I received the new card I immediately called PNC Bank to activate the new card to replace the older one ... I ask the representative at the time if the account was open and activated and he stated that it was, however, at the time I talked to this representative, it had already been closed by PNC Bank ... The rep told me to set up a payment in the next week or so since the account was running behind due to PNC Bank mailing out the new card a month and a half late ... I called back in a few day later and agreed to set up a payment until the rep told me PNC Bank Closed the account XX/XX/XXXX and PNC never notified me they were closing the account ... I was outraged, since I had been a customer all my life at PNC ... .PNC also charged late fees and over the limit fees, how convenient, while I was waiting for the new card to arrive ... At that point I called PNC, and they said the person I needed to speak with about this problem was in a different department, and a person would call me to speak about this in 72 business hrs ... .I never received a phone call from PNC, after I called in several times about the credit card ... .At this time, I have XXXX credit cards, XXXX showing up on my credit reports, XXXX, XXXX, and XXXX, and this is in direct violation of the fair credit reporting act, since PNC failed to call me back to discuss my credit card being compromised, and that they would be using negative information in my credit reports ... They also state in credit reports that we came up with a resolution, then I disputed this, simply not true ....
Product: Debt collection

Credence Resource Management attempted to contact me via telephone and mail. Invoice states that a debt originating from XXXX XXXX under my name was owing. I currently have a XXXX account and contacted XXXX to verify the debt. They have NO record of any debt under my name/SSN/Telephone/Address. I attempted a certified, return receipt letter to Credence Resource Management as directed in the letter to decline ownership of the debt and to request documentation from the originator of the debt. I followed the tracking number and the address given by CRM does not exist ( XXXX XXXX XXXX, XXXX XXXX, XXXX, GA ) under Credence 's business name. I sent and email to file a complaint and request verification of the debt on XXXX XXXX, XXXX I still have not received an answer. I question the legitimacy of this debt and this companies operating tactics.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to CITIBANK, yet CITIBANK is not removing this fraudulent account. CITIBANK has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet CITIBANK has refused to do this. The following is the fraudulent account : CITIBANK / XXXX.
Product: Credit reporting or other personal consumer reports

CREDIT ACCEPTANCE CORP XXXX XXXX : {$0.00} This is NOT A DISPUTE, but I believe the information being reported to be inaccurate. For thatreason.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you