23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquiries regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also, future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Oh XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I need XXXX XXXX, XXXX, and XXXX XXXX to OPT OUT my name and information from all their products and remove the inaccurate information. I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute.
Product: Mortgage

Ocwen is the worst mortgage company on the planet! Our loan was sold to them by Homeward some years ago! We had no control over that. How a mortgage company can manipulate account balances with extra charges and random fees is beyond criminal. Every statement must be examined. We have been dealing with Ocwen lying about making an insurance payment to our insurance company for 2 months now! They claim they made the payment in a batch of other checks. Check was not found. After repeatedly calling Ocwen back they claimed they would overnight the payment so that our insurance would not be cancelled. The overnighted payment was not received by our insurance company! This happened again and again. We had to make the insurance payment to avoid being cancelled. The payment addresses for our insurance company has not been changed. Ocwen claims this matter is in research and they will call us with a resolution.They put you on hold and say they are making notes and you will get a call. These people are XXXX based speaking bad English and they have no answers for you the customer. Why are they allowed to remain in business?
Product: Money transfer, virtual currency, or money service

I am submitting this after discovering that CashApp has been fined for allowing fraudulent scam transactions to occur. In XXXX XXXX I saw a post on XXXX to receive money ranging from {$2800.00} to {$8000.00}, for only sending {$700.00} to maybe {$1200.00}. I have screenshots of the XXXX messages I had with XXXX XXXX. Once I sent the {$700.00} and an additional {$110.00}, as an additional {$1000.00} was required to receive the {$8000.00}, the communication stopped, no money was received. I realized I had been scammed, reached out to Cash App, they advised they will not do anything/an investigation and then ended up closing my Cash App account. I was at a loss on what to do, didn't know who to contact/what to do. Within the last week, I saw the article that Cash App was fined and CFPB was the one who fined CashApp so I wanted to reach out and see if there was anything that could be done to return my money.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details 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 The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked over my credit report, I found that some of the accounts listed there were incorrect. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I have written letters to the credit bureaus requesting that they look into and correct any inaccurate information that has been reported about me, therefore I am disappointed to find that they have chosen to ignore my pleas. It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting in my file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$9900.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Debt collection

On XX/XX/XXXX I got a call from XXXX and they said they collecting for XXXX okay. I first set up payments paying XXXX that day with my debit card. That night my husband and I talked about it and pulled money from savings and I called back the next day and paid off the balance. So the full balance was paid XX/XX/XXXX. I have them both on my statements. So they say - we will send you a letter blah blah. Well we are in the middle of moving since my husband was separating from the XXXX, and to be honest kinda forgot about the letter. Fast forward 3 months and we are trying to buy a house. My lender pulls our credit report low and behold- a new collection account popped was reported XX/XX/XXXX- and blows our credit score way down. I was furious we had an offer on the house and waiting to close. I called XXXX, and ask why was this reported XX/XX/XXXX when we paid it in XXXX!! All they said was sorry we will updated the balance to {$XXXX}! No I said I need it removed. She said sorry we do n't do deletes here. You just cost me my house! and they refuse to remove it even when I paid it 3 months ago!! How can they report it AFTER it was paid.
Product: Checking or savings account

Credit Karma Money has been holding my funds illegally with no reasoning and no communication with me in regards to withdrawing funds for months now. I finally received an email from them recently stating that they will return my funds via ACH transfer or by mail to the address on file. I then tried to link my bank account for the ACH transfer and they wouldn't let me. Contacted support again and they once again stated they can't give me any information on anything. So this was over two weeks ago and I still haven't received the check and still no access to link my bank account for transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I could not access my credit karma account due to an unauthorized and unrecognized email, XXXX. I could not cancel the account or speak to customer support about this issue. I need assistance as soon as possible on what to do next
Product: Credit reporting, credit repair services, or other personal consumer reports

POLICE REPORT WAS SENT TO ALL 3 BUREAU 'S VIOLATES HIPPA, CRA AND MY RIGHTS INACCURATE INFORMATION MUST BE REMOVED XXXX POLICE CASE NUMBER XXXX XXXX
Product: Bank account or service

on XXXX XXXX, XXXX, I open new online saving account and Discover Bank will give {$100.00} bonus by XXXX XXXX, XXXX. But Discover bank never gives me {$100.00}.
Product: Debt collection

I received notification in XXXX of XXXX that the debt was no longer owed due to the absuive tactics that the XXXX companies I will list below attempted in hopes of receiving money. 
In XXXX of XXXX the XXXX account was closed. Amount was decreased by {$980.00} XXXX then started receiving multiple calls per day before and after the XXXX and XXXX limit, threatening legal action from Comenity Bank Collectors. I submitted a claim last year against this agency and my disputed information was found accurate. 
In XX/XX/XXXX, the account was closed and the debt was removed from my report. 
In XX/XX/XXXX Comenity Bank sold the account to XXXX XXXX XXXX, I have received multiple phone calls again, tried to contact the number on the paper multiple times to ask why this debt is again being reported on my credit report. 
Now it has lowered my credit score and now there is a {$1000.00} amount on my report. 
I do not owe this debt, I have been harassed for over two years. I thought I had this taken care of with my previous dispute and accurate conclusion to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic, XX/XX/XXXX, I contacted XXXX XXXX for late payment forgiveness for obvious reasons at the time. I had missed my payment and contacted them once I paid it off to see if they would forgive the missed payment due to the global crisis. Instead, they returned and ADDED a second missed payment to my XXXX account from XX/XX/XXXX. I have no idea where that came from or why I wasn't notified but having two missed payments on my credit is hurting my business as we are growing and looking to secure financing. 

Those missed payments do not accurately reflect my credit worthiness. 

Please help me fix this and hopefully remove both of these missed payments from my credit report.
Product: Credit card or prepaid card

I have a XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX. I mainly only use it around the holidays for my kids toys. Note : My FICO is over XXXX. 

In short every time I use this card, there are fees and interest ; no matter when I send payment in. Always marked a day late " every time '' Most of the time they remove them, but ; this last time when I called to complain on XX/XX/XXXX @ XXXX, no go. When I asked for a Supervisor they instead hung-up on me! I called back later and even more charges accrued and still no relief. 

Here is my theory, they talk you into the card for the 5 % Discount then they advertise they give another 5 % to Charity. So, in short, " everyone '' gets a late payment no matter when you send in a payment. Always just one day late! There are hundreds & hundreds if not thousands of complaints for the exact same reason on-line. This is a scam!!! 

They bill on the XXXX of the month. Add, 5 to 7 days for mail ( their time frame ) and I am getting the bill on the XXXX. Plus, I allow 5 to 7 days return mail, that takes us to the XXXX. They close out and must receive payment by the 5th. That leaves just 13 days for that transaction to close out. No matter when you send the payment ... always one day late. 

Please look into this matter at your earliest convenience ... I am certain they are paying for their charitable contributions and the discount with exorbitant late fees and following interest charges. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to Equifax dated XX/XX/year> requesting all information in my credit file, as well as a free copy of all reports. Equifax responded in a letter dated XX/XX/year> stating that " We received your request for a copy of your Equifax credit report. However, we need additional information in order to verify your identity and address ''. " To help us fulfill your request, please send us a letter with your full name, social security number, current address, and your date of birth ''. " Please also include a copy of a document verifying your identity ( ex : driver 's license or birth certificate ), your social security number ( ex : social security card or W2 form and a copy of a document verifying your address ''. " The documents you provided were illegible ''. " Because the information you provided as proof of your identity does not match the information we currently have on your credit file, we ask that you send us a copy of two different items ''. My complaint is why did Equifax state in they response letter that " I provided DOCUMENTS that were ILLEGIBLE ''? I never provided any documents to Equifax, I only mailed Equifax a letter, CERTIFIED MAIL SIGN RECEIPT. Secondly, why would Equifax state in they response letter that " Because the information you provided as proof of your identity does not match the information we currently have on your credit file, we ask that you send either pay stub with complete Social Security number, valid Social Security Card, or W-2 form with complete U.S. Social Security number , ect? XXXX XXXX sent me letters dated XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> all denying me a CREDIT LINE INCREASE as well as a AUTO FINANCING LOAN based on information obtained in a report from Equifax. As a result, how can Equifax state in they response letter that my request letter sent to them doesn't match the information they currently have on file? I also have a XXXX XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX!
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I received a hard inquiry on my XXXX credit report from Capital One. The inquiry occurred on XX/XX/year>. I have not sought to open any lines of credit through Capital One or submitted any applications to do so.
Product: Prepaid card

On XX/XX/year> I tried to use gift cards with the XXXX website in order to make a purchase. Before the purchase I did e-mail the company and they responded that they would be more than happy to take two gift card in order to split the order. However when I called them the next day, the customer representative told me they would not take my American Express gift cards. I have also tried to spend my XXXX gift cards on XXXX by trying to " reload '' a digital gift card, however XXXX will not take these gift cards as well.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the XXXX formal attempt to address this critical matter. 

Despite my repeated efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$6200.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've noticed these credit card inquire that I do not recognize. These bank did not take part of making a solution when the inquires was made. Dates provide below are the dates inquires was reported and when the they was informed. 


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

Imma victim of idnrntity theft and they have my extended fraud alert and police report to block these accounts and inquiries and now XXXX   refuses To delete them as they have in the past and Equifax too XXXX   has removed the information that they are reporting
Product: Mortgage

This is the second time in two years that I am submitting the same exact complaint about Select Portfolio Servicing. Nothing was truly done then other than receiving their reply and closing my complaint. They also settled with the federal government for these very same practices that are occurring. 

I have been paying my mortgage, I am not 30 days late. I have paid my XXXX, XXXX and now XXXX payment this month. All my payments have been placed in a pending status yet again ( same as last year ). My account has three pending payments, also shows my account has a payment due date of XX/XX/2022, if all these payments were applied as they should be, my payment due date would be XX/XX/2022. 

Today on a phone call with SPS at XXXX XXXX  the customer service rep acknowledged my payments were not being applied, but he was trying to talk me into a mortgage modification which I said I would not discuss if they can not apply my payments correctly. The rep then tried to submit to correct this, his supervisor refused stating my account was in " forbearance '' with an outstanding modification offer. At no point did I ask for my mortgage to be put into forbearance or modified. 

I am asking my payments to be applied as they should when paid and for them to do their contractual duty with regard to servicing this mortgage. The federal government forced them into a previous settlement that SPS refuses to abide by yet again. I am also asking the government to do their duty and protect us from predatory practices like SPS continues to partake in. 

THIS IS MY SECOND COMPLAINT FOR THE SAME ISSUE IN TWO YEARS, DO SOMETHING AND FIX IT.
Product: Debt collection

I requested verification of debt from another collection company in XXXX. I answered a summons and plead not guilty, as they would not provide me with verification of the debt. Regardless, my wages were garnished by this agency. I was not aware of another judgment attempt. I contacted them in XX/XX/XXXX requesting verification of the debt, but they told me that they had a legal garnishment and were not sure that they would be able to find verification of the debt. They did state that it is for XXXXXXXX XXXX. That information did not have any meaning to me. I filed a complaint with the CFPB and Montana Attorney General XX/XX/XXXX. All communication stopped at that time, so I believed the issue had been resolved. They now phoned me on XX/XX/XXXX and stated that they have a judgment through XXXX. I believe the debt is not only not mine, but also past the statute of limitations.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX,2017 I registered two sells with Coinbase,  the first was for Ethereum - {$500.00} - Ref : XXXX. The second was for LTC - {$500.00} - Ref:XXXX. Both transactions are marked " Completed '' on Coinbase 's website. They state an expected transfer delay for ACH bank transfers of 4-6 business days. I submitted a support ticket with Coinbase on XXXX, still no response. It has been exactly one month today and I have received no response to my support ticket, phone calls, nor have I received any payment ETA.
Product: Checking or savings account

On XX/XX/2020 I was scammed out of {$1000.00} for an online purchase. I reached out to my bank Wells Fargo to dispute the charges. I was told that a claim was open, I should be receiving my money back into my account and someone from Wells Fargo should be contacting me within 7 to 10 days. No one ever contacted me. I called back and Wells Fargo said I should be receiving something in the mail. I never received anything in the mail from Wells Fargo. I called back to Wells Fargo to get an update on the claim and was told to call back in a couple of days. I called back in a couple of days and was told there was no claim on file and the process would have to start over. I was informed a claim was opened up, Wells Fargo would investigate and to call back and speak to someone in the advocate department. When I called back I was told someone would call me back and there would be a resolution by XX/XX/2020. I never received a call back from Wells Fargo and had to call Wells Fargo back. There is still no resolution to my claim and I am still getting the runaround for over a month from Wells Fargo. If you could please assist me in getting this matter resolved. Also, I filed an FBI Internet Crimes as well. My FBI report is for {$960.00} however the total amount taken from my account was {$1000.00}. Please let me know if you need any additional information. 

Wells Fargo Claim # XXXX