23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The bill pay system struggles to align itself with a biweekly pay schedule. My paycheck comes every other Friday and sometimes I am forced to change the time to align with my bills payment schedule. I changed my mortgage payment of XXXX from XX/XX/18 to XX/XX/18 so my payment would be on time. My mortgage was paid on the XXXX of XXXX and now again today the XXXX of XXXX. The double payment was the banks error. I opened the scheduled bill in bill pay and edited the payment date. This should not have occurred. I don't have the funds and my account is now overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
DEPT. OF EDUCATION/XXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATIONXXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATIONXXXX XXXX XXXX. 
DEPT. OF EDUCATIONXXXX XXXX XXXXXXXX... 
XXXX - XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit card or prepaid card

Im being declined for a credit card Aadvantage card based on a previous account they claim Ive had with them when I havent I told them I was a victim of identity theft and they dont understand my concerns they lied to me thought out the application process with conflicting information its shameful how Ive been treated by this bank and how they dont care to satisfy my needs or resolve my concerns
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 Balance : {$15000.00} 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 Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 Balance : {$15000.00} XXXX XXXX Balance : {$3200.00} 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 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. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Fraudulent XXXX transactions in my name Do not have card or access to account XXXX alert : Information distributed on dark web Unable to contact XXXX Contact made was with impersonating representative Attached documentation for removal
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report 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
Product: Credit reporting or other personal consumer reports

XXXX. On XX/XX/XXXX by XXXX, amount of {$8200.00} an account was unauthorized and opened up in my name without consent I am a victim of fraud and Identity theft. I do not own this account was placed on my credit report. 

XXXX XXXX XXXX Account : Amount of {$1100.00} By XXXX XXXX account was unauthorized and opened up in my name without consent I am a victim of fraud and Identity theft. I do not own this account was placed on my credit report. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry made
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. This is my XXXX letter that I encountered incorrect credit report information and I write to dispute certain items in my file resulting from the problem. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file issues due to erroneous credit report details : XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed XXXX {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} -- -- -- -- -- -- -TransUnion : XXXX XXXX XXXX, CA XXXX XXXX Q XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Mortgage

Well first things first. Our original loan was through XXXX XXXX XXXX, then some few years later we got paperwork showing that our loan was sold to Carrington Mortgage Services. That's when all of our problems began. There we a few times threw the years that we had issues with making our payments on time. But we always caught up and got back on track. Then the pandemic hits. I'm not able to work as much so of course we get behind on our payments. Then they start accumulating late fees on top of the normal monthly payment. Everything gets back to normal and we are ready to start a payment plan of sorts to get us current again. But we were being told that that was not possible. If we wanted to keep our home and land we would have to pay every missed payment with late fees at once. If we couldn't do that the monthly payments keep racking up and so do the late fees. Well XX/XX/XXXX, my now ex husband left myself and XXXX children and ran off to California. At that point I went to my church for help. They were willing to pay everything even pay out the loan completely but Carrington could never give us a dollar amount!! They told us that it changed everyday. And that we needed to request a " pay out amount '' and that would come to me via regular mail and email. I never received the pay out amounts. No, excuse me I did receive one UT by the time it got to me the amount had changed again. We went round and round with this for over a year until my house and property went into actual foreclosure. And at that point I was given an auction date. That ended up not being correct. I was then given the correct auction date and was informed that Carrington had bought back the land and house. Ever since that day XX/XX/XXXX I've been trying to get Carrington on the phone but none of the numbers worked. That's when I tried to XXXX and see if they were having phone issues. And then I stumbled on an article saying that Carrington has been under investigation since XXXX of XXXX. The complaints and reasoning g for the investigation were for the same exact things they did to me. So I found the number to the people who was investigating Carrington and I was instructed to come here and make a complaint!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft someone has used my social to get medical care and another account in my name.
Product: Mortgage

On or about XX/XX/XXXX our loan was transferred to Selene Finance, LP. I had filed bankruptcy back in XXXX and didnt re-affirm the dept therefore I am still on the mortgage but not responsible on the Note. From XXXX XXXX my mortgage never showed up on my Credit Report as me being liable for the Mortgage. As soon as Selene Finance took over they reported this loan to XXXX and showed up on my credit report that I have a mortgage to XXXX which made my credit score drop XXXX  points. I have sent them email about this and called them. One representative told me that they didnt report it and they wouldnt due to the bankruptcy. I sent them the proof that they did and now I got an other representative that was useless and could not help said it would have to be researched. They're also not supposed to charge any late fees due to the bankrputcy and they seem to be a little unclear on this as well. 

Any information or guidance would be appreciated.
Product: Debt collection

Furnishing of un-verified and un-authorized accounts to credit bureaus and/or consumer reporting agen cies.
Product: Debt collection

I have sent two verification letters to Caine and Weiner to verify the debt that they say I owe them. Once in XXXX and again last month and I have not gotten any written response. The amount they are claiming I owe them is {$1000.00}. I do not have a signed contract with this company binding me to any debt.
Product: Mortgage

I have a mortgage with Freedom Mortgage. Since XXXX 2015, even after I send my payment and they cash it, they send me threatening and abusive letters saying my payment is overdue and they will foreclose. I send copies of all paperwork and they say they will check it out, but nothing improves and the same behavior continues. I USPS track all my payments and send packets of copies of cancelled checks and letters from Freedom.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

I had multiple houses with mortgages held by Green Tree XXXX, now Ditech. In XXXX XXXX I instructed Ditech to payoff XXXX of the mortgages and wired the money to them with the explicit instructions to pay off a specific account number. Unfortunately Ditech paid off the wrong mortgage, despite the instructions that were provided. I immediately called them to indicate the mistake, and they agreed that it was a problem on their side, and they would correct it immediately. It is now XXXX XXXX, and Ditech has still not corrected the problem. Worse yet they are threatening foreclosure and they have indicated non-payment on my credit report. They have been non-responsive, and obviously this delay is incredible.
Product: Mortgage

Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX On XXXX XXXX, 2016, I was forced to sign a bad offer from Ocwen. Ocwen is a predator in terms of servicing and loan modification under the HAMP tier 2 program sponsored by the Federal Government. 

I was unemployed since about XXXX 2016 to XXXX 2016. At that same time within the original hamp modifications, my mortgaged had just adjusted and it was due to be a major increase in paymets from XXXX to XXXX per month approx in XXXX. 

During this time, I was in financial duress due to my unemployment. I was concerned about my current mortgage responsibilities. 
I called Ocwen about any possible remodificatiosn and they told me they coul dput me on a program. 

I applied and supplied proof of my unemployment income and my monthly statements. 

I qualified for the Hamp tier XXXX. However as soon as I was told that I was been put into a 3 month trial period, I asked Ocwen for detail full disclosure to include include amortization plan. 

Ocwen refused to provied any such information even XXXX try to get that information from them to no avail. 

The day beofore they terms of the offer was due, they gave me some level of explanations and details but yet still no full disclosure. 

Since, I faced the possibility of going into a foreclosure path, and my credit would be reuined, I was forced to accept the very bad deal in order to protect the home and my family. 

Ocwen, violated my right as an american consumer with utter disregard of the banking regualtions to and good faith estimate to provide timely information even at the request from an officer of the court. 

Please, allow me full legal consideration for this issue with ocwen.
Product: Bank account or service

Regarding Bank of America Lack of Access to Fraud Reporting Today, XXXX XXXX, 2016 at XXXX PDT I called to report fraudulent activity on my checking account. I sat on hold for 24 minutes with the fraud department, then was transferred to claims for another 16 minutes, in all, it took 58 minutes to report an unauthorized transaction. 
Both Fraud and Claims department are seriously understaffed while the voice on hold says my time is valuable and maybe I should call to make an appointment to go to the bank. Though, when fraud is reported at the bank, they just point you to a phone in the corner. 
I 've spent less time waiting on IRS. There is a general withdrawal of services by BOA and I feel it is a serious oversight in staffing for FRAUD when a consumer must sit on hold during workday for an hour. 
XXXX XXXX XXXX XXXX, 2016 XXXX to XXXX holding for a person in the fraud department. 
Phone : XXXX XXXX to fraud department prompts XXXX XXXX, 2016 XXXX to XXXX then holding for person in claims department. 
Transferred to XXXX XXXX ( claims )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to XXXX and Equifax requesting that the unknown inquiry be remove or verify thats on my credit report both credit bureau are stating that they didnt receive my certified letters my United States postal service nor did they make any attempt to verify or validate the inquiries on my credit that being reported on their behalf. I also sent the same letters to XXXX, they recently been removed from my credit report as of today due to the lack of information provided by the creditors that requested the inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is incorrectly reporting a business account on my personal credit. The account reporting in question has numerous inaccuracies including the payment history, charge off date and current balance. I have informed them of the error and requested the business account in question be deleted from my reports or that the entire account history be reported not just selected time frame of negative information.
Product: Money transfer, virtual currency, or money service

All the information is in the attached PDF - but in brief I received an email supposedly from XXXX XXXX stating there were fraudulent charges on my XXXX account. They wanted to refund {$900.00}. They sent me an online form to submit a refund request. Apparently a computer expert later found that there was imbedded code on the form ( unbeknownst to me ) that allowed them remote access into my online banking. They then said they accidentally deposited {$9000.00} into my account and they could not reverse transaction and I would need to send them {$8100.00}. I checked my account and sure enough there was a {$9000.00} deposit, I did not discover till hours later that the deposit was actually a transfer from my own HELOC into my checking. So thinking it was a XXXX deposit, I went to bank and withdrew the {$8100.00}. They instructed me to transfer this via a XXXX XXXX. Immediately upon returning home, I finally realized this seemed ridiculous and I contacted my bank and they opened a fraud investigation, Additionally I made a police report, froze my account in all XXXX credit agencies, changed my banking passwords and added multi faceted identification for login. Bank planned to reassign a number to my HELOC ( which was not completed until 12 days later. 
I also closed my XXXX account, submitted a fraud claim to XXXX XXXX and the XXXX XXXX XXXX XXXX stated they would forward info to XXXX XXXX. 
I received a letter from bank on XX/XX/year> but dated XX/XX/year> saying 'since I personally benefitted from transaction, claim was denied!!! 
I resubmitted claim for reconsideration after faxing all the information in the attached PDF. they confirmed they received the faxed documents but immediately denied the claim which leads me to believe they did not even review the faxed material.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  account belong to someone with similar name. bureau deleted then it came back
Product: Money transfer, virtual currency, or money service

Since XX/XX/2021, when I made the last transaction in my Coinbase account, I got the message : account in verification.

3 months have passed since that day and my account is not yet verified, I can not withdraw, add or move cryptos. I contacted the company and they told me that it would be solved shortly and not to send that claim again. Since the company has not solved it for me yet, I have looked at possible solutions online, they have not solved anything for me. until I get to this website thanks to a forum. I need a help now. I need to move those cryptos.

I hope you can solve it. Thanks greetings.
Product: Mortgage

Hello I'm the primary person for the loan note since I became XXXX about XXXX ago I started asking the mortgage company to adjust my mortgage and when I did they would sell it to another company and when I would ask them the same question they would sell it to another it's been aleast five company 's and my wife was paying the mortgage and I wrote the company called and left messages and they wouldn't talk to me and she got behind she didn't tell and they wouldn't talk to me and I'm the primary of the loan and it's messed my credit up and I've been paying the taxes every year and I just found out that they were without me knowing and by me being XXXX the county had me waiting 6nonths for both year to get my money back I know I have rights I was certified with the state of NC before I got XXXX and I went to my local branch social security office and they told me to contact you'll and I knew something didn't seem right so I had credit repair challenging the other mortgage companies and have recipients for my taxes that got sent pack