23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Visited XXXX XXXX  XX/XX/XXXXXXXX  to order furniture to be oredered nad delivered in XX/XX/XXXX. 
Salesperson told me " Promo '' started XX/XX/XXXXXXXX  and is 12 month in duration. Trap # 1 Set up auto pays so could pay over time- I have a XXXX credit score and no credit cards bills Next- I get XXXX statement from Synchrony Bank and no interest is charged so I assume all is correct. XXXX I see an interest charge and I IMMEDIATELY call - we start a dispute to clear up confusion as my 12 month " Promo " should be XXXX or now. 
I have made 19 calls to both Synchrony AND XXXX to problem solve. Spoken to at least 20 different people, like XXXX employee ID XXXX, XXXX and XXXX employee ID XXXX. Calls spanned from XXXX through today and I have those details. 
One acct manager had a solution of asking XXXX  to extend the promotion int heir system so it would feed to Synchrony, adjust and then we would be clear. XXXX, managet at the XXXX store in XXXX FLorida agreed and submitted. Synchrony is saying sorry - not possible and I woe over # XXXX in accumulated back interest at a whopping 30 %. I was given different information and acted in good faith. I am reasonble and have taken the neecesay action steps- so much as paid the balance in full in XX/XX/XXXXXXXX  to be sure by XXXX we were in a credit balance. I am so upset as can not affor to waste {$3300.00} in insane highway robbery inteest rates. This sounds borderline illegal. I need help advocating as I have exhausted myself trying to elevate and problem solve. ANy recourse other than go to court at an additional expense? thank you in advance!
Product: Mortgage

XX/XX/XXXX, Ocwen Loan Servicing sent a notice regarding a settlement that I was eligible to participate in. The claim form was returned before the deadline. I spoke to someone who confirmed that not only was the form received, but they also gave me the amount I 'd be receiving. 
XX/XX/XXXX, I called to check on the settlement payment. I was told that the check had been mailed. It 's now XXXX, a year later, and I still have n't received the check. 
I 've called Ocwen a few times, the last time being XX/XX/XXXX. I keep being told that I 'd have to send a written letter to Ocwen 's research department. 
If a check was mailed in XX/XX/XXXX, why do I need to write a letter to the research department. Either the check was sent or not. This is unacceptable! This mediocre way of doing business is exactly why Ocwen was in violation of so many things and a settlement was reached in the first place. 
This issue has lingered on long enough. As a XXXX-year veteran XXXX, I 'm highly offended that this issue is still continuing and I 'm still getting the run around. Any assistance provided would be greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an inquiry on my credit report from XXXX XXXX in XX/XX/2018. 
I did not consent to this. 
I tried to call them several times and their phones are always down or there is no one available. I want this off of my credit report.
Product: Mortgage

XXXX made contact with PHH @ XXXX to get information to request a partial release. 
this was sent to us XXXX Dear XXXX XXXX, Thank you for using our email service. I apologize for the delay. 
I have requested for the requirements for a partial release of land to be mailed to the borrower. Please allow 7-10 business days for delivery. 
XXXX borrower did not receive anything in the mail XXXX urgent request to PHH borrower has not received package also included borrower authorization. 

XXXX urgent request to PHH with borrower auth need requirements for partial release request. 
XXXX urgent request to PHH need update on status XXXX borrower did not receive a package only a letter of authorization to be completed. he sent that to us and we emailed to PHH XXXX called PHH finally someone told me they will not talk to me because they did not accept borrower signed authorization because his signature did not match. 
I have called a total of about 5 times. I have had borrower cause a few times and they will only give me daily authorization and borrower will have to call in every time I need to talk to them. 
this has delayed closing 3 months, and we still do not have the required list of items they need to request a partial reconveyance, and they still will not accept borrower authorization form they supplied for him to sign.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a letter from Lexis Nexis providing a link and pin to access my consumer file. The link/pin combination does not work and it says the pin is invalid. I tried different variations ( using O instead of XXXX in the web link, for example ), and also tried to access from XXXX different internet browsers. The link simply does not work. The Lexis Nexis website has several phone numbers to call for help, and the letter provided XXXX as well. While all of them offer a " live representative '' in reality none of them allow for a human and all of them end up directing you to input information to receive the letter that I already got, there is no way to seek help. I sent in a web form and only received a copy/paste form telling me to try to use a different browser to access my information. The closest I got to seeking help was a recorded human voice offering me a free XXXX XXXX button on their help line. I want a working link and access to my consumer file, which they are supposed to provide.
Product: Checking or savings account

Chase is not allowing me to login to my account.

They debited the account negative on a fraudulent charge. 

There is no outstanding balance on the account. The account was closed with a XXXX balance. Chase by their own omission has said payment is voluntary. 

I had one dispute approved and the issue happened again. 

The landlord was charging my rent payment and taking out other fees. This is not only illegal in the state of Colorado, but is a fraudulent charge on the account. 

Chase chose not to refund me and is now restricting access to bank statements and account history that would allow me to directly receive a refund from the landlord. 

Now I have bill from the landlord for the disputed amount that was already sent back to them. 

All disputed were for the very same reason, so there is no reason the final dispute was not approved for the full amount.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 card

Open card but they want send to my po box like All my other cards because I don't get mail here at my house and they said I only have three months to use it all day going to close my account and if they do that it will affect my credit
Product: Checking or savings account

On XXXX XXXX a charge was made to my account from Approved Auto of XXXX for XXXX for the down payment plus extended warranty for a XXXX XXXX XXXXXXXX XXXX. The vehicle didnt even make it back to my residence. It had to be towed. After contacting the dealership several times we were told to have the vehicle towed to the mechanic listed on the extended warranty. After running diagnostics on the vehicle, we were told that the vehicle was not safe to drive. I contacted CashApp about receiving my money back and was told that theres nothing they could do. I filed several disputes and they refused to issue my money back. Even after the car dealership released me from the contract and all obligations to the vehicle on XXXX XXXX. CashApp still refuses to give me my money back even after I sent them a copy of the release letter. Ive filed several complaints with the XXXX and my states attorney general. I didnt have the vehicle a week and CashApp knew all of this. And I still havent received any of my money back. The person that reached out to me after I filed my complaint with the XXXX  was cold, and didnt care that the vehicle was bought and returned on the same day.
Product: Checking or savings account

A transfer of {$10000.00} was sent to an external account on XX/XX/23. The funds ( {$10000.00} ) were withdrawn from m account at that time. XXXX withdrew {$10000.00} again on XX/XX/23 which caused my account to go into the negative and they charged me a fee ( {$15.00} ). The transaction was labeled deposit adjustment. I have sent multiple messages asking for resolution and it has been over a week since they last responded to me and their system will no longer allow me to send messages. It now generates an error message when I try to message.
Product: Mortgage

My father passed away. I have completed probate and have them property listed for sale and have a contract to sell. The service provider has done everything possible to try to stall the sale. Including stealing items from property. My realtor and title company have requested in writing pay off amount and have been stalled and hold multiple excuses. Everything has been completed in writing as well as verbally requested. I myself have done the same. PHH continues to stall. We all feel this company as trying to steal the property. All im asking for is a payoff balance so I can close and actually pay off the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

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

I recently disputed invalidated accounts on my consumer report with and the investigation did not fix any of the errors nor was I provided any proof of these alleged debts.
Product: Credit reporting or other personal consumer reports

I believe that I am not treated fairly when it comes to credit reporting, and this is affecting my credit score and credit integrity. So many inquiries have been made toward my credit over the period. Other report has been send to the credit which I believe to be hurting my credit score.

I am kindly asking this entity to please and fairly look into this issue and help me resolve this. I am a XXXX of XXXX boys and the only source of income for my family. I love to keep my integrity very clean and focus on the better tomorrow for my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many attempts to fix this account but without any contact information it very tuff to make contact to update the situation at hand of my Identity theft and the errors involved.
Product: Debt collection

XX/XX/2020, I sent a letter to Jefferson Capital Systems, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with XXXX  and XXXX, sent them a copy of this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
I previously disputed the following information on my Experian credit report : Account Name : XXXX  Number : XXXX issue : is reported in deficiency of reported mandates and protocols.Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : Account Name : XXXX  XXXX Number : XXXX issue : is reported in deficiency of reporting mandates and or standards must be eradicated as is my in a manner acceptable requested resolution, therefore the obfuscation please do so HERE AND NOW! This claim has acclaimed ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : evidence to support my dispute, Experian failed to conduct a proper investigation. 
Account Name : XXXX XXXX XXXX Number : XXXX issue : XXXX XXXX reported in deficiency of reporting mandates and or standards must be eradicated as is my in a manner acceptable Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Account Name : XXXX XXXX XXXX  XXXX : Is reported in deficiency of reporting mandates and or principles Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Account Name : XXXX XXXX XXXX XXXX XXXX issue ssue : Is reported in deficiency of reporting mandates and or principles Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their I disputed these un resolved errors with Experian every month from XXXX XXXX XXXX  with no accurate results Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report today XX/XX/21, I noticed XXXX  & Equifax are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.
Product: Mortgage

This Complaint is against OCWEN, Loan Servicing, LLC for failure to foreclose on a residence property. 
I vacated the residence in Virginia in 2009. Originally, XXXX XXXX XXXX had the loan but then it was conveyed or sold to OCWEN, LLCDue to a divorce in 2009, I was required to pay {$2700.00} per month to my ex-wife. I could no longer pay my mortgage payment. For the past 6 years I have attempted to short-sale ( 3 times ), then for the past 3 years have attempted to utilize services related to Deed-In Leiu of Foreclosure to no avail. All theses liquidation attempts were made through Ocwen services. 
Impact to my life : I am a homeless veteran that can not obtain credit or use my VA home loan to re-start my life because OCWEN is showing that I have an active loan on my credit report. Bottom line : Ocwen will Not foreclose on property.
Product: Debt collection

Please reference XXXX I dont know what's going on with your. company but you closed out my complaint for no reason. I advised you guys back in XXXX that this is not my account, I send a letter and go no response back from this company, I even submitted an affidavit and got no reply im asking for a removal of this account
Product: Mortgage

Fifth Third Bank purchased my mortgage for a Florida condominium in XXXX of XXXX and started servicing my mortgage that month. In XXXX of XXXX, Fifth Third Bank unilaterally began deducting a monthly escrow amount of {$890.00} from my checking account to cover flood insurance. We already have coverage for flood insurance and have provided proof of this to Fifth Third Bank and over the past several months dating back to XXXX discussed this with multiple customer service representatives at Fifth Third Bank. They have acknowledged receipt of the insurance policy and verbally committed to return seven months of escrow payments that have been arbitrarily and capriciously deducted from my account. Instead of returning such escrow money, they simply continue to deduct it from my account. 

I want them to stop wrongfully deducting {$890.00} from my checking account on a monthly basis and return the {$6200.00} with interest.
Product: Money transfer, virtual currency, or money service

I had a Venmo account that I used for my direct deposit and to receive payments for clothing that I sold to people. I was able to access all my funds and direct deposits. I also was able to use my Venmo debit card with no problem. Then on XX/XX/XXXX I got a email saying Venmo seen unusual activity on my account. So I checked my account a seen all my funds were being transferred to someones XXXX XXXX immediately verified my information with State ID and a picture of me holding my State ID for proof. I was hacked and they were transferring all my payments to their XXXX XXXX. I immediately filed a dispute for them on XX/XX/XXXX. I then changed my password and ordered a new Venmo card all on XX/XX/XXXX. Then on XX/XX/XXXX they emailed me and suspended my account and told me XXXX cant access my funds. I ended up winning my disputes on XX/XX/XXXX and it successfully put the money back into my account. But my account is still suspended and I cant access funds. Venmo support tells me they are not the ones dealing XXXX my case and they cant give any info on who is. They say just respond to emails but I get no reply anymore. I have over {$800.00} stuck on Venmo and I have to pay rent!
Product: Credit card or prepaid card

First, there is the general fact that when you go to the Bank of America website, you have to manually tell it you paid the bill for the month, or it leaves an alert saying your bill is over due ... I have made 2 payments in a month because of that in the past. 

Next, I had to make a payment by the XXXX of XX/XX/2020, which wasn't applied until the XXXX, because of the time zone, even though I signed up for automatic billing the month before, and was charged a XXXX dollar late fee. 

Lastly, there is the fact that I had to be walked through the process to sign up for a minimum payment to be made because it is labeled in a misleading way that makes it very hard to discern that it is the minimum payment option. Not having this as a more easily found choice caused me two months of underpayment fees, which were removed when I complained. And sadly that is why I have the XXXX dollar fee : I could not set up the minimum payment with one of their associates. because all of them told me that was what they had set me up for in the previous months when they truly set it up for th minimum due that month. It wasn't until I spoke to someone an Online billing specialist that I was alerted of this and helped to find the minimum payment option, after spending 49 minutes on the phone trying to get everything set with an associate, who assured me they had done what I asked, In short, I assert that the website for Bank of America is designed in such a manner as to make it hard to navigate and maximize their profits by garnering benefits from the fees and overpayments they receive because of its difficulty.
Product: Mortgage

I received a promotional mailing from E Mortgage Management LLC ( XXXX, NMLS # XXXX ) that made extremely misleading, borderline deceptive claims about the savings I would get from rolling a credit card balance into my mortgage. 

The mailing contained a table showing my projected monthly payments " Before '' and " After '' combining a credit card debt with a mortgage, in large bold font. However, in smaller, not-bold font, the " After '' payment amount was labeled " P & I Payment. '' As a result, this table compared my principal, interest, taxes, and insurance monthly total ( " Before '' ) to a new principal & interest monthly total WITHOUT taxes and insurance ( " After '' ), which would of course be lower. 

Underneath the table, large bold text says " You Save {$410.00} Per Month In This Example '' and " That's {$5000.00} Per Year! '' which while technically true, is misleading because it excludes the taxes and insurance that would still be required. 

This mailing was labeled XXXX on the front and labeled XXXX on the back. 

Here 's other identifying info for this company from the back of the mailing : E MORTGAGE MANAGEMENT , LLC DOES BUSINESS AS " XXXX XXXX '' IN DELAWARE, NEW HAMPSHIRE, NEW JERSEY, PENNSYLVANIA, MARYLAND AND CONNECTICUT. XXXX XXXX   IS A DIVISION OF E MORTGAGE MANAGEMENT , LLC. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX. NMLS LOC ID : XXXX.
Product: Debt collection

My federal tax refund for the year 2023 was seized by an unknown company without receiving a debt validation letter in the mail.
Product: Debt collection

I am a XXXX XXXX XXXX Veteran who receives VA compensation and SSDI benefits. I first learned of a civil default judgment against me by my Homeowners Association ( XXXX XXXX XXXX XXXX ). I was never served or notified of the hearing. However, around XX/XX/XXXX, I realized my bank accounts were frozen and more than $ 50K was held with respect to default judgement. I filed a claim for exemption ( XXXX ) and the hearing was held with Judge XXXX XXXX XXXX on Thursday, XX/XX/XXXX. The Judge ruled that my funds at PNC bank are exempt and that the holds on my accounts be removed. I took a copy of the order to the bank on Friday, XX/XX/XXXX. On Tuesday, XX/XX/XXXX, an order was faxed to XXXX XXXX of PNC Garnishment once again requesting removal of the holds on my accounts. On Wednesday, XX/XX/XXXX, the holds on my account are still in place. In addition, I received my SSDI direct deposit benefit which is also frozen despite the Judges order that the funds be released. 

I want XXXX XXXX and the PNC garnish department to be forced to comply with the Judges order. Anyone can look up the Civil Case ( XXXX ) and it states the Judge ruled the funds are exempt from garnishment on XX/XX/XXXX but, now, nearly a week later funds are still frozen, defying the Judges order.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is not mine and I don't even know what it is it keeps on reappearing on my credit report I was never notified about it and there no contact information for this company and I am unaware what this is.