23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a Mortgage Escrow Account analysis recently from my mortgage loan servicer Ocwen Loan Servicing. The analysis showed an escrow shortage of XXXX. This amount was broken down as : {$3300.00} escrow advance and {$1700.00} balance needed for the next year. 

I called Ocwen on XXXX XXXX, 2015 and requested they cancel my escrow account. I was told to fax my request and pay the shortage ( {$3300.00} ) and to also make my request in writing. A letter making the same request along with a check for the shortage was overnight mailed on XXXX XXXX. 

Ocwen has cash my check and applied part of it to the XXXX payment in spite of the check being mailed specifically to the Escrow dept. along with a cover letter referencing to be used for the Escrow shortage. 

Today when I called Ocwen to find out what the new mortgage payment would be I was told that no decision was made and to call back. 

I have complied with all of Ocwen requirements to cancel my escrow account but all I getting is the run around from them. 

1. I want the escrow account closed2. I want the entire check amount to be applied to the escrow shortage3. I want a new payment invoice showing only the principal and interest. 
4. And I want all of the above without delay
Product: Credit card or prepaid card

I am on maternity leave and I am getting paid through a Bank of American EDD prepaid card every 14 days. On XX/XX/2023 someone stole {$990.00} out of this prepaid account. I was left with {$290.00}. They took the money from an atm in California at XXXX on XX/XX/2023. I tried to get assistance inside the Bank of America branch and no one could help me. The teller and personal banker said they have nothing to do with these government prepaid cards. I have spoken to the Bank of America EDD fraud department over the phone and have a claim started. I want to make sure I get my money back. I am not working right now and I have a newborn baby to take care of. I also want to make sure this terrible situation doesnt happen to any one else. I was told by XXXX the woman that helped me over the phone from the fraud department to not use the ATM located outside of the bank and always go inside and withdraw money with an actual teller. I never knew it could be dangerous to use a bank ATM. This situation has never happened to me. I never used this EDD card anywhere else other than making withdrawals at the ATM when I get paid. I have also reported this theft to the police and made a police report. I would like to get my money back as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE 2 PREVIOUS ADDRESSES THAT DO NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX  Balance : {$2500.00}, XXXX - XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX  Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found my data had been breached from XXXX this led to a free sign up with trusted id, i registered on XX/XX/XXXX, however i was not able to sign up for the service as i got the security questions wrong as they referenced a car loan and an amount of the loan was question 2,  question 3 was also for a loan taken in XX/XX/XXXX and question 4 was the amount. I don't have any loans so failed the security test and was directed to call, when i called i was told after answering my date of birth that they could not continue the call as the date of birth on my social security number is very different to mine, i was sent an email to address the issue and had to provide copies of my Driving license which i did on XXXX XX/XX/XXXX, i have called and emailed and still the executive team have not resolved my date of birth and i still have no access to trusted id. 
I tried to get a free credit report with experian and was met with the same response and wasn't able to access a credit report due to the security issues.
Product: Mortgage

This is an additional complaint, about a continued failure of PHH to comply with Federal law and pay a delinquent tax bill on a property that they service the mortgage for. Consult the first complaint for the circumstances that led to there being a delinquent tax bill. 

This complaint is a separate, second issue, which is that once I notified PHH of their previous failure, they have continued to fail to correct the action by paying the bill. I first notified them on XX/XX/XXXX through their website. Then as of early XXXX I started routine phone calls with " escalation managers '' who are utterly incapable, unempowered, to do anything about the problem. They say that they have passed along the problem to the tax department, but they refuse to put me in touch with that department. 

As is stated on the delinquent bill, and as I have stated with every conversation with PHH, if the bill was not paid by XX/XX/28, the county would be advertising my name in the newspaper as a delinquent tax payer, and charging me a fee to do that. 

Being that such action would cause irreparable harm to my reputation, beyond the harm already caused by having my bill marked as delinquent in a public-facing search, I elected to pay the bill and the late charges out of pocket to prevent the advertisement. I have not notified PHH of this action, because I'm curious to see how long it takes for them to get around to fixing the problem that they have created. When I spoke with the supervisor of the escalation managers, after the XX/XX/28 final due date, she said " be assured, it will be taken care of. '' Taken care of? If the bill wasn't paid as of then, it was already about as not taken care of as was possible. Clearly PHH is perfectly fine with my name being advertised in the newspaper as a delinquent. If this had played out, I would have been happy to sue them for this, which would have changed absolutely nothing but would have wasted plenty of my time and their money. 

As of now PHH continues to delay and take no action, perhaps up until the point of the county foreclosing on the property and selling our home, all because of PHH 's inaction despite repeated calls, a Notice of Error, and the previous CFPB complaint. Meanwhile all I get from them is letters that say they need more time to investigate. There is no more time! These proceedings have deadlines, and those deadlines have passed.
Product: Credit card

On XX/XX/XXXX went online to make a cc payment to Amex. I thought the payment went through until I received an email XX/XX/XXXX saying the payment was not received yet. It was due XXXX first. I immediately went online and paid it again and the payment was accepted the first was a XXXX  and the XXXX a XXXX. I called customer service knowing that Amex would charge me a late fee and they had. I spoke with an associate and then a supervisor and both claimed that they could not remove the late fee. The reason they gave me is because there was a payment mishandled in XXXX of XXXX and XXXX of XXXX. I told the supervisor I know what happened as I got correspondence from Amex regarding what happened to the mishandled payment for XXXX and XXXX. I had lost my credit card prior to those months and when I made payments Amex posted them to the lost credit card number rather than the new credit card number. And they say as a courtesy they refunded both late fees and I received an apology in writing. I was told by both Amex associates that this is why they would not be able as a courtesy to refund my payment that did not go through their system this month because the incident was considered negative??? I said well it was your fault not mine that you had posted my payments to my old account number in XX/XX/XXXX and XX/XX/XXXX and not mine as I made both payments online. Still no they will not waive the late fee of {$29.00} for this month. The account only has a {$60.00} balance and they are charging me almost XXXX XXXX each month and I have good credit! They have treated me very poorly and need to stop taking advantage of consumers with not adjusting late fees as a courtesy if there was a problem with making the payment. And not because they claim the payment was late due to a fault of their customer.
Product: Credit card

We have a dispute with Discover Credit Card regarding a merchant, XXXX XXXX Home Services. We contracted with XXXX to repair our oven. The amount of the charge is {$710.00}. 

On XX/XX/XXXX, we had a repairman from XXXX out to inspect our oven and diagnose the problem we were having, with the oven. The tech said that it required a new main control board. We agreed to proceed with the repair. The part was ordered and both the labor and parts charge was prepaid On XX/XX/XXXX the tech installed the new control board. The next day, when we turned the oven on, it had the same problem. We immediately notified XXXX. After several phone calls and many hours of discussions XXXX sent out second technician on XXXX XXXX tech stated that the first tech mis-diagnosed the problem, that it required a new part, that would cost several more hundreds of dollars, plus labor, to be paid upfront before they would do any more work. We declined paying any more money and contacted Discover to dispute the {$710.00} charge. 

Discover is declining to back charge XXXX. Discover 's explanation s that XXXX did the work. We agree that XXXX did install a new control board. However, it DID NOT fix the problem. 

XXXX 's invoice for this repair included a guarantee that is not being honored by either Discover and the merchant XXXX Home Services. 

We have tons of documentation to back up our side of this dispute And Discover already has most of our documents in their file. 

We appreciate any help you can provide to help us with this dispute. 

Thank you, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Account Name : XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Debt collection

On XXXX XXXX I sent a signed letter via certified mail offering to pay the full amount of XXXX as reported to all three major credit bureaus. My offer also states that the collection company would either remove the collection or change the status to pays as agreed. Collection Bureau of America did not respond in XXXX to 45 days or in a reasonable amount of time per the Fair Credit Reporting Act and collection was removed and no longer reporting. Collection Bureau of America did respond on XXXX XXXX, XXXX. Collection Bureau of Americas ' statement incorrectly states that I disputed collection and requested verification. As a reusult, the collection was reinserted and is reporting as a negative collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, To whom it may a concern, I have recently pulled my credit report and noticed the closed account SEARS/CBNA being reported as a charge off, however the address associated with this account is incorrect and inaccurate. According to the fair credit reporting act I ask this account be deleted and completely removed off my credit report immediately.
Product: Debt collection

I called Convergent on XX/XX/2022 in order to get some more information about this debt. I have been monitoring my credit heavily the past few months due to trying to buy a home and I never received anything in writing from them to let me know about this debt before it appeared on my credit which they do have to notify me, in writing, prior to reporting and they did not do so. If they had followed the proper procedure I would have entered an agreement with them then to resolve this. I did call them to make an attempt to deal with this, but again they did not notify me in writing prior to reporting on my credit.
Product: Debt collection

I have no debt owed to anyone that has contacted me. Portfolio continues to use Ghost numbers that do not show it is them. And since I have employees that travel I have to answer in case they are in need of something. 

My debts have either all been paid or were purchased years ago by Portfolio and have expired. I do not now or have I in the last yars received any mailing concerning a debt owed. Plus I have never approved any lender sending something to a third party.
Product: Debt collection

Hello I have tried to resolve this matter on my own with the company I still dont know what they do the gentleman explained that you have to give them your date of birth social security number and then be read me off some card numbers which I then I told him were not even mine
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my XXXX XXXX and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance with the incorrect account being reflected on my credit report. This error has harmed my reputation, and I need your help to resolve it. Your poor handling of my credit report has caused me great distress, and the inaccurate reporting has greatly impacted my reputation. You need to remove this false information from my credit report.
Product: Credit reporting or other personal consumer reports

refusal to remove collections and inquiries just replying verified after disputes.
Product: Debt collection

Account numberXXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have a hard inquiry on my transunion report by XXXX XXXX on XX/XX/2018. XXXX XXXX had stated since I was never was told by any representative there would be a hard inquiry they would remove this information on my file Immediately. It has been a while and they have yet to do so. Would just hope this would be straightened out as soon as possible. 

To my understanding with of the companies I had bought something from went thru XXXX XXXX and since i did not sign anything with XXXX XXXX directly under the fair credit act this would come off. 

On a separate note on my addresses reported the following address was suppose to removed as I am not affiliated with it XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payment entries on my credit report. Upon examining my records, I discovered these erroneous late payments which I have previously disputed in writing over 30 days ago. However, I have not received any response from your organization, nor have you provided proper validation for these misleading negative entries on my credit file. 

I am respectfully requesting your prompt assistance in correcting this issue. Despite my prior attempt to resolve this directly with your company, you have failed to address my legitimate dispute over the inaccurate late payment reporting. I am now formally demanding that you fulfill my original request without further delay by updating my consumer credit report to remove or properly identify the payment transactions in question.
Product: Credit reporting or other personal consumer reports

I requested a validation of debt multiple times and the company did not provide the information requested, yet they continue to try and collect on the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax provided lax security to my personal information and was hacked ... then wants me to sign up to monitor my credit. Unbelievable!
Product: Credit reporting, credit repair services, or other personal consumer reports

This car loan doesn't belong to me the subject : XXXX XXXXXXXX XXXX  ( without prejudice )