23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

SLS recently began servicing my loan when the IR reset causing my payment to double. So starting in XX/XX/2016 I began submitting all of the required documentation to have the loan modified. Since this time the experiences I have encountered have made me lose confidence in their ability to execute loan modifications timely. Today is XX/XX/XXXX and I just got another call stating the XXXX doc that I sent back in XXXX is now invalid because the date is old. Furthermore, they told me the XXXX submitted for the co-borrower was also invalid when in fact just a few weeks prior they confirmed it was fine. It appears every 15 days or so they contact me to tell me about another random document that was n't requested up front is now needed and if I do n't send it I wont qualify. I have been very responsive when it comes to providing the necessary documentation but these long delays between calls and these random requests for documents that were not requested up front need to stop. In addition my single point of contact is 'bullying ' by stating [ with attitude ] that the mod wont get done if do n't supply the documentation. I do understand this but the aggression she showed is class-less. 
I am struggling to pay my mortgage and need a decision ASAP on if I qualify for a loan modification. I am borrowing money to keep the loan from going 60 DPD but it is becoming increasingly harder to make the payment. Based on these poor experiences I now believe SLS is purposely delaying the execution of mortgage assistance because the MHA program has ended and so has the Obama administration. this perceived negligence needs to stop and I only hope the CFPB can help end the madness. I think it is safe to assume hundreds ( if not thousands ) of other customers who have SLS servicing their loan are facing the same situation. I take confidence knowing the long reach of the CFPB and thank XXXX almost daily for their existence. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple of disputes no information provided by the company ( XXXX XXXX ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX . 
I have only received a reply from XXXX that they verified information and its accurate and complete!!!??? Accurate and complete??? As per enclosed Screen Shot last time they verified this account XX/XX/XXXX.It means they never did .Equifax sent me Equifax sent me a post card stating that they can't find me in a system with a bogus explanation, which is basically computer generated " go away, do not bother us no more '' message .XX/XX/XXXX did not even bother to reply ever .Please review all attached documents and Certified Mail Receipts. 
Bellow is my brake down of how the account is reported by the furnisher and all 3 Credit Bureaus : Date account opened : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX # of Month of terms : XXXX XXXX XX/XX/XXXX. XXXX EQ XXXX XXXX XXXX Balance : XXXX {$6100.00} XX/XX/XXXX XXXX EQ XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It means XXXX have never conducted investigation and have never responded to XX/XX/XXXX and XX/XX/XXXX .XX/XX/XXXX and XXXX have never initiated investigation either. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXXXX/XX/XXXX refers to!!!!! How do I even know who this account number belongs to??????? 
To establish the credit file the furnisher must submit the initial contract to all 3 Credit Bureaus, than how this account number belongs to me without my signature????
Product: Credit reporting, credit repair services, or other personal consumer reports

This past spring I was in the process of paying my Target store credit card bill. This time when I put in my name and password someone else 's name came up on my account with his store charges but my home address. I immediately contacted Target customer support. When I identified my name to the customer service rep, he too asked why is someone else 's name on the account? They said they'd fix the problem and I said I wanted to wait to pay my bill UNTIL my name was on MY billing statement. Apparently that took a few weeks but when it was finally straightened out I immediately paid off my bill in " full '' to a zero balance. Target said they would not charge me a late charge but to my big disappointment they DID report my account as paid in full but past 30 days late. That's not right! I tried to pay my bill but was afraid I was paying someone else 's bill. It is stopping me from getting a refinance on my home loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SUBJECT : DISPUTE for DELETION of Unauthorized/Inaccurate Credit Inquires. 

Dear XXXX  Dispute Department, I am writing to formally dispute the following unauthorized or inaccurate inquires listed on my credit report. I have reviewed my credit report and found these inquiries were made without my consent or are inaccurate. The details of the inquires in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to the Fair Credit Reporting Act, U.S. Code 1681 e ( b ) ACCURACY OF REPORT, & 15 U.S. CODE 1681 i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ). 

According to the Fair Credit Reporting Act ( FCRA ). ONLY authorized inquires should appear on a consumers credit report. I have not applied for credit with the companies listed above, nor have I authorized these inquiries. Therefore, I am requesting that these inquires be DELETED FROM MY CREDIT REPORT. 

Enclosed with this letter are copies of my identification and a recent utility bill to verify my identity. I would appreciate your prompt attention to this matter and kindly request a written conformation once these inquires have been DELETED from my credit report. 

I look forward to your timely response within the 30 day period allowed by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America ( as well as other major banks ) makes special effort to be opaque about the fees that are associated with specific bank accounts. For example, despite my efforts, I was not able to find on my online account what fees are associated with incoming international wires ( the best I could find is " fees varies '' ). There should be an easy to find link from each online account that specifies clearly what are the fees associated with every transaction for this particular account. Right now it is extremely hard, and the feeling is that the bank deliberately makes it hard to figure out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed these errors in XXXX XXXX and their response did not fix the errors. I am a consumer overstanding my right 15 USC 1681a2 and by law ; its ground for deletetion from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Zales Jewelry is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) 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. Zales Jewelry is in clear violation of this law. Zales Jewelry is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. Zales Jewelry has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Product: Credit reporting

I signed a contract for alarm service through XXXX, via their contracting company XXXX XXXX XXXX XXXX XXXX, in the contract, it simply stated a credit bureau would be ran. For clarification I asked the representative XXXX XXXX if it was a soft or hard inquiry & he assured me it was soft. The company then messed up on all kinds of things including the running of my credit. They ran my credit on XXXX/XXXX/16 & XXXX/XXXX/16 ( 2 days after the first time ). I contacted my rep XXXX XXXX again & told him they ran it twice and it was a hard inquiry not a soft as her assured me. He apologized and said he woudl try to get it straightened out. This was all via text on XXXX/XXXX/2016. Nothing was done. I spoke to XXXX at XXXX approximately 3 weeks ago, and was told she requested a deletion of the inquiry from XXXX but they will only remove XXXX inquiry not XXXX I pulled my credit again today & XXXX inquiries are on there. 
I believe that it is only fair that XXXX inquiries should be removed, as I was given false information by XXXX 's authorized provider XXXX. I never would have agreed to the contract if I was told it would be a hard inquiry. The company should be accountable for the information their employees provided me and the inquiries should be removed from my credit. The XXXX inquiries dropped my score XXXX points on Equifax. The damage to my score is not my fault and they should be removed as I was deceived by the company 's representative. I have all the texts should the company like to see them.
Product: Credit card or prepaid card

On XX/XX/2023 I used my American Express Credit Card to hire a BRAND new law-firm in Arkansas who had been recommended to me by a friend-of-a-friend to help me in my child custody case. I had never met this lawyer in person, but I was in a bit of an emergency situation because I had just been hit with a surprise child-custody case that had been filed against me by my ex-husband, and I was trying to stop the emergency hearing from happening without me because I was living out-of-state. When the law firm who agreed to help me last minute tried to run my credit card, it flagged with American Express as fraud. That surprised me, but since it was an emergency situation, I overrode the charges ( and my instincts ) and let them charge it anyway for {$3500.00}. After that, things didn't get better, and last month, my American Express card mysteriously lowered my credit limit without warning me and without explaining why. 
Also, my law firm XXXX XXXX XXXX XXXX XXXX in XXXX, AR ) has been very unprofessional in a number of various ways, and very difficult to get in touch with. She ( XXXX XXXX ) keeps neglecting to give me important information, she wanted me to get a psychological evaluation for {$5500.00} ( I didn't! ) she let me waste an airline flight to Arkansas by not giving me vital info sooner, and I am concerned that in not knowing her/them, being recommended to them by someone I may or may not trust, and having their credit charge flag as fraud, are all huge red flags! Then, with my credit company suddenly lowering my credit limit... none of it adds up or makes sense! Please help me. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen continues to give me a run around. Ocwen continues  to refuse to include both non borrower 's income and borrower 's income to evaluate my mortgage for a loan modification.  Ocwen has failed to  accurately evaluate my request for mortgage assistance based on my household ' source of income that has already been submitted to them.    Ocwen 's notic e dated  XXXX / XXXX / XXXX , states, " The denial decision was based on the monthly gross income you reported, which was {$430.00} '', see notice attached.    Ocwen 's no tice dated  XXXX / XXXX / XXXX , states  " I   ncome calculation : you have two sources of income : Social Security income and contribution from two non-borrowers '', see notice attached. The notice includes both the income amounts and calculations from both non-borrowers and borrowers income.
I have repeatedly told Ocwen that there are both non-borrower 's income and borrower 's income that pays for the mortgage, previously documented and incomes have been submitted.
Ocwen continues to ignore and deliberately refuses to evaluate my request for mortgage assistance for a loan modification based on both my non-borrower and borrower sources of income. Ocwen contines to give me a run around, fails and refuses to correct errors, and sends me inaccurate notices and denial letters. Ocwen 's incompetence and improper practices has cost me money.
I am in imminent default and I request that my submitted mortgage assistance application be evaluated for an affordable loan modification under the Federal HAMP Tier I and Tier II guidelines.       I look forward to your prompt response.
Product: Debt collection

By Law this account was written off as income with a 1099c. You NCB Management has purchased this debt which mean you are trying to collect on a debt that was considered as income. This alleged debt you claim I owe should not be sold to a third party company than NCB  MANAGEMENT gave information to another third party company XXXX, XXXX AND XXXX and refused to send me the wet ink signature that gave them authority to place this account on my consumer file. As the law states permissible purposes and I havent written you and ask you to furnish negative information on my consumer report. This is my attempt to settle this matter with good faith and clean hands. I conditionally accept this upon proof that you were allowed to furnish this information to my consumer report as well as furnish this information knowing that this debt was written off as cancellation of debt. You have caused damage to my report and I am denied good faith and credit due to the derogatory mark. If this matter isnt handle I will have to file a 3949-a to the IRS for investigation to accounting. As well as a 211 form with the IRS to investigate.. I am a natural living woman, you have trespass against my person and refuse to the codes and statues YOU NCB MANAGEMENT must uphold. This IS NOT DEBT IT IS CONSIDERED INCOME when a 1099c is filed.
Product: Debt collection

This company states that I owe a debt. I have no knowledge of this debt.
Product: Checking or savings account

This is in response to Capital One 's asinine response to Complaint # XXXX
Product: Bank account or service

On XXXX I made a deposit to an ATM machine co-located with a branch of Fifth Third Bank in XXXX, GA. The ATM accepted the {$400.00} cash deposit, but did not present a receipt nor did it acknowledge the deposit. The teller then told me they had been having trouble with the ATM and the XXXX technician had just left. I waited for the technician to return, and after an hour, he returned. He confirmed that the {$400.00} deposit had been made. The teller called Fifth Third HQ and I was given a " provisional credit '' of {$400.00}, reportedly until the ATM was balanced. On XXXX, the bank transferred {$110.00} from my account stating that the ATM did not balance and it was short {$110.00}. I referred to the teller and XXXX technician who both confirmed that I had made a {$400.00} deposit. The matter was further referred to their dispute resolution committee, which determined that they were entitled to keep the {$110.00} and could take up to 14 additional business days to investigate the matter. My complaint is this : the malfunctioning ATM machine is not my fault, and caused considerable inconvenience for me on XXXX. Why am I being prevented from using {$110.00} until they discover where the problem lies? Is this just miserable customer service or is there an actionable conversion of funds by the dispute resolution committee?
Product: Credit card or prepaid card

Attached, please find a formatted complaint in PDF. 

I filed a complaint on XX/XX/2018 against the company and in a letter dated XX/XX/2018 they replied with many and many lies and disinformation, following are some of them : 1. They failed to address the fact and issue that of the hours and hours of wasting my time going over the same old directions be the prior reps while this were already high ranking reps from their executive office, they didnt even have notes about some of the prior phone call, indeed I was promised in one of my phone calls by XXXX who undersigned the reply letter that she will check it out and will get back to me with answers as to why this was like that, but instead she as well as the other just decided to just hide the facts and just try to get away with lies in their reply and not to address the core issues. 
2. How will a mock enrollment help, if it wasnt done on my specially on my account, this is so stupid, as there maybe certain factors that are on my account while not on their mock account and if they tried it on my account, so how come they just didnt enroll my additional account while themselves while doing that mock enrollment. 
3. If there is no way that I can enroll that account, why would it be so difficult that there back office should just do it, this is just an issue of adding an account to existing functional online access? 
4. They claim that a digital technician tried contacting me XX/XX/2018, this a blatant lie, as I have a record of all of such a phone call, besides the fact they even failed to specify what type of security standards failed. 
5. I was already in United States since then and even tried to enroll while there and no luck, so they are simply declining from taking responsibility for their failed acts. 
6. All their troubleshooting steps where completed and the undersigned of that reply letter knows that, so whats her point of writing it? While that failed? 
7. The claim to trying to reach the customer while there is a suspicious charge, this was not the case here nor did they even allege trying to reach me, so the question is even bigger, if thats their policy, how come they didnt bear by their own policy of trying to call me in order to verify that charge. 
8. The reply letter also simply ignored and didnt address the XX/XX/2018 complaint filed. 
9. Lastly, upon receipt of their reply letter I made sever attempts to call the undersigned of their letter and had no luck reaching her and I wasnt lucky enough to even receive a return call after leaving her a voice mail to return my call ASAP and letting her know that if I will not receive any return call, I will be filing this complaint again.
Product: Credit card or prepaid card

I Ordered what I thought was a living lemon tree on XX/XX/21 from XXXX. When it arrived, it was a plastic lemon tree. I immediately went on XXXX  and said that I want a refund and that I would send the item back. I then sent the plastic tree back. No refund was given by the merchant. Finally, ( and unbelievably ), XXXX actually denied my dispute about this even though I sent the tree back, which is crazy! I appealed and supposedly chime reopened the dispute. Also, I spoke with XXXX  again and XXXX  says it gave me {$55.00} credit but none has yet shown up in my credit account, It has now been two weeks since then. I don't understand how this dispute could have been handled so badly, Or why I don't have the money back yet? Please help.
Product: Debt collection

Company continues to call my parents landline phone when I have asked them to stop. They also constantly call my cellular device when I asked them to cease multiple times. 

This debt is from XXXX. I payed my final bill and they tacked a crazy amount of money for leaving their service, which I should not have to owe them a thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was the last letters I can sent now I am force to hired an lawyer. 

I sent Dispute Letter and Cease and Decease Letter certified and notarized to Equifax Credit Bureau and XXXX Credit Bureau reference to Discharged Ch-XXXX XXXX and Dismissed/Closed Ch XXXX XXXX are sealed records and they are purposely reporting them and have sent certified and also notarized letter from the bankruptcy court which do not report this information. I am constantly getting denied employment and credit loans due to this information hurting my chances of obtaining gainful employment. I have to 2 children and custody of my 3 nephews and take care of my XXXX  mother. I am stress daily and making sure I can provide for my family. Please help me to rectify this situation per Fair Credit Reporting per 45 names I should have received something or the information needs to be deleted. I also ask them to remove incorrect names, old names and addresses, incorrect accounts, and inquiries and it has been over 2 years in dealing with these credit bureaus. I have not received any information pertaining to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert XX/XX/20 from my credit app XXXX  showing EXPERIAN has reported my XXXX account in the following language - Account is deemed as uncollectible by the creditor and written off as " bad debt '' or " loss '' " which RESULTED IN MY SCORE DROPPING 23 points. This is misleading and malicious credit reporting. I've spoken to XXXX, on a recorded line, and the credit representative states they DID NOT SEND IN THIS INFORMATION REGARDING MY ACCOUNT. 

For one, I am currently in a repayment settlement agreement since XX/XX/XXXX, paying {$59.00} a month. I've used Experian 's online tool to dispute the account showing the incorrect status information along with submitting supporting documentation - of the " alert language and the settlement repayment plan, they state they can't see the information because I am not a member, A PAYING MEMBER. Further, they state it's an automatic alert, yet no one at the company can tell me who sent it and why. The representative hung up. IT APPEARS IT COULD BE AN ATTEMPT TO SEND AN ALERT, DECREASE MY SCORE AND FORCE ME TO EITHER BUY A NEW CREDIT REPORT FROM THEM TO SEE WHAT'S GOING ON. I WANT THE MALICIOUS AND MISLEADING CREDIT INFORMATION REMOVED IMMEDIATELY!!