23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I scheduled my XXXX mortgage payment on XXXX XXXX, 2015. The system then said that my next payment due was XXXX XXXX, 2015. I knew this was an error because I only scheduled XXXX payment for XXXX which would make the next payment due on XXXX XXXX, 2015. I informed Ocwen of this error and told them that I would stop payment on those XXXX errors and would reschedule another payment from my other checking account. I scheduled the payment from my other checking acct on XXXX/XXXX/2015 which cleared my bank on XXXX/XXXX/2015. Then, on XXXX/XXXX/2015 another mortgage payment debited my XXXX checking account which was unauthorized. I informed Ocwen there must be a glitch in their bill pay system because they were taking XXXX payments each time when only XXXX was scheduled. XXXX XXXX XXXX was able to retreive the extra payment from Ocwen that was made on XXXX/XXXX/2015. Ocwen is now saying that I have not paid for XXXX and had returned checks for XXXX after showing proof form the bank that they made extra unauthorized debits and proof that the XXXX XXXX payment I authorized posted and cleared. After XXXX letters, XXXX calls from the Bank and they will not fix my account. They even sent me a check in error and told me to deposit it then they would credit my account. Well, that check was no good from them and they charged me for it after they told me to deposit it on XXXX/XXXX/2015. Today is XXXX/XXXX/2015 and this error began on XXXX/XXXX/2015 and nothing has been done, even after contacting their ombudsman. My bank tried to talk to them but they would n't talk to them because the call was being recorded. I have never been late with my mortgage payments and I do n't appreciate being treated this way. Something is shady about Ocwen because all of a sudden my mortgage payments increased due to escrow which they are now taking $ XXXX yearly over the amounts of my property taxes and home owners insurance. Then, this fiasco with XXXX debits happened just two months later. Ocwen Loan Serving needs to be investigated. There us something REAL shady going on with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date XX/XX/2021 I sent letters informing XXXX, Equifax and XXXX  of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX, Equifax and XXXX  another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship in our lives.
Product: Debt collection

I received a notification from experian on around XXXX saying that my credit score dropped significantly and there have is now an account in collection. I tried to dispute the account several times but it didnt work. The debt amoun is for XXXX dollars I was not made aware of this debt and the account. I cant not file anymore dispute because of experian with the lack of information, I have proof that contradicts that. On XXXX and XXXX there is no account in debt showing. It just showing on experian. Im trying to get rid of this account because I am currently XXXX  an overseas tour in the XXXX. Which make it impossible for me to open up and an account with a phone provider since I have an XXXX phone service instead of United stated.
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if futher information is required.
Product: Mortgage

On XX/XX/2023 a request was placed with Lennar Mortgage to pull my file from them to place with another mortgage company. On XX/XX/2023 a call was placed to me from Lennar mortgage asking for additional details on my employment background and they requested a letter from employer. Because I was switching to a new lender I did not provide. They did not send case to new lender so I made request in writing on XX/XX/2023 via email. They ignored request for file transfer. Due to being a FHA loan this is a required step in the process. Instead of transferring file they waited 3 days and rejected file affecting my ability to obtain a mortgage for 6 months. When my current home is a week from closing. So with kids and no home. They made a decision with incomplete information and did not count half my income. They did not complete a through review of income and did not have complete information to make a reject noting my credit file. Their reject was spiteful and un professional.
Product: Credit card or prepaid card

Synchrony bank XX/XX/XXXXcredit card was applied on XX/XX/XXXX, for the promotional reward of {$150.00} when spend {$500.00} or more within 30 days of account opening. 

Numerous inquires have been made since the XXXX statement, requesting for the {$150.00} credit on the statement, and the responses have consistently been " ... will show up on the next statement. '' Received a letter from Synchrony Bank, dated XX/XX/XXXX, stating that " ... the statement credit in question will appear on your billing statement within 1-2 billing cycles ... '' On XX/XX/XXXX ( after 2 billing cycles ), contacted the bank and spoke with the Supervisor ( XXXX XXXX, as a result of not seeing the {$150.00} credit. She had indicated that the credit did not appear on the statement because I have a {$0.00} balance in the XXXX billing cycle. The reward credit will appear in XXXX 's statement, only a balance is generated within a billing cycle. I mentioned that I have never heard of this process before, and XXXX repeatedly said " ... this is the way we do it ... '' It should be noted that the this particular process was also confirmed via chat with a representative on their website. 

On XX/XX/XXXX, contacted that department again just to confirm the credit upon a purchase on XX/XX/XXXX. I was told that I am not eligible for the reward program ; however, a request has been submitted for further evaluation on XX/XX/XXXX.
Product: Credit card

To who it may concern I bought a service on XX/XX/XXXX for XXXX from XXXX XXXX and XXXX. This service was ongoing service but after our initial talk they were out of reach for multiple months and have not gotten the service that was promised. I filed a dispute with my credit card company but was unable to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly impacting my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Debt collection

I have never done business with this merchant or signed any contracts or provided payments to the merchant. Merchant has reported that they have received payment from me I have disputed the merchant multiple times and still no resolution. I am writing you to have errors corrected based on 15 USC 1681 and 15 USC 1666 .All verified information must be promptly removed. I am requesting that you remove the following : Jefferson Capital {$6000.00}
Product: Credit reporting or other personal consumer reports

I reported a fraudulent usage of my card to XXXX XXXX they initially cancelled the then present card and issued me a new card, also returned all reported fraudulent charges. About 6 months later they returned those charges on my new card without any explanation. I called discovery many times to report this issue and also to complain about their findings, to no avail, rather i was asked to set up a payment plan. At this point, the account has been charged off and reported to the credit agencies. I have called and asked for this report to be deleted and reaccessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent a letter to each major credit reporting agency ( XXXX, Experian, XXXX  ). Under FCRA 611 ( a ) ( 7 ) I sent a request to be supplied with all of the information used to investigate my dispute of several inaccurate accounts on my credit reports. I was not supplied with sufficient information and the inaccurate accounts should be immediately DELETED from each of my credit reports.
Product: Mortgage

We change home insurance company 's. We received our escrow from the previous insurer and sent it to out Mortgage Freedom. They miss processed it and are saying we owe the entire amount still. They have admitted they missed processes over 2 months ago but are still charging us for the amount in our monthly payment which is {$370.00} more than our normal amount. We have called the over 6 times and they said they would get it fixed but still have not. I don't know where to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, account XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. Section 604 A 2 It also states a consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a phone Call from ERC for a debt in XXXX of 2016 Paid debt in full cleared my bank account on XXXX XXXX 2016 still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a 30 day comply letter to Transunion in regard to three fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX  ) on my report. Attached was a copy of an Identity Theft Report filed through the Federal Trade Commission. Transunion 's lack of consideration for this issue is unacceptable and I demand an immediate removal of the fraudulent accounts.
Product: Credit card or prepaid card

Chime stole XXXX from me. They then closed my account without me knowing and stole my money
Product: Bank account or service

Regions Financial opened a savings account and credit card account without my authorization. After seeing what XXXX did to their clients I personally wanted to ensure they get investigated as well as I contacted them and they could not understand why the teller opened the account.
Product: Debt collection

In my credit report, it's showing a negative report in Experian for XXXX, and it's appearing under my credit report, a company kept on calling me years ago about a collection against my son XXXX XXXX, stating it'll go to collection and I would be responsible for his debt, once I call stating that I was his father, but I didn't owed anything to anyone as a matter of fact, they ask me to identify myself by giving them my SS number, I was like why, why would you ask me this, she was just to ensure you're not XXXX, and now his debt is appearing under my credit report, I believe this collections company should be taking out of business and be removed from my credit report, if you can help me, please contact me at my email : XXXX. 

Thank you.
Product: Credit card

CAPITOLONE Credit Card Account was Created. Identity theft! and opened XXXX XXXX Ive recently tried to apply for a loan and was told I have a payoff debt balance of XXXX credit limit balance of XXXX dollars. The account was closed on XX/XX/. I have checked my credit report with credit karma which I have provided photos and proof.
Product: Credit reporting or other personal consumer reports

This is a Request for the Procedures used to come to the conclusion that my dispute I submitted on XX/XX/2023 and your office verified my dispute that I received the results for on XX/XX/2023. I submitted my dispute via CFPB # XXXX on XX/XX/2023. 
The account is listed below in which I demand be deleted because it is violating my PRIVACY RIGHTS. 
" XXXX XXXX XXXX XXXX XXXX .... 

I demand this account be deleted in accordance with FCRA Section 602 which states I have a right to pri act and Section 604 ( a ) ( 2 ) which states a credit reporting agency can not furnish an account without my written instructions. The Gramm- Leach - Blilley Act Section 6801,6802 as well.

I am submitting my Request for the Procedures used to verify/ update Trade : XXXX XXXX XXXX XXXX XXXXXXXX ... ... demanding that it be deleted from my Equifax Credit Report because It is violating my privacy rights and has NOTHING to do with the reason Equifax stated was the reason for verifying this account reporting illegally on my credit report.

The reason Equifax stated was that : " THIS ACCOUNT BELONGS TO YOU '' My dispute has NOTHING to do with whether or not this account belongs to me.

I use the absurd reason for verifying as PROOF that Equifax has totally IGNORED the basis of my dispute. Equifax is acting in BAD FAITH and I am now requesting the name ( s ) of the person ( s ) you spoke with along with their telephone number ( s ) and address along with the procedures that were used that led to the conclusion that this account be verified/ updated.

I make this Request in accordance with FCRA 611 ( a ) ( 6 ) B ) ( III ) and FCRA 611 ( A ) ( 7 ) that I understand states I should receive in XXXX  Days or you will be violating FEDERAL LAW and I could also use in a COURT of Law and sue Equifax for {$1000.00} if I do not receive all the information in a timely manner ( XXXX  Days ).

I am asserting my rights based upon Equifax failure to fulfill it's reinvestigation requirements and thus is required to delete XXXX XXXX XXXX XXXX XXXX... .. due to lack of verification. 
Delete account immediately.
Product: Debt collection

The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX  / XXXX / {$850.00}
Product: Debt collection

I received a collection notice from Carter Young collection agency in XXXX Ga about a student housing from XXXX XXXX XXXX. I have told them on a previous occasion that I did not guarantee any student living or any other accommodations This is not my bill. they need to go back to the original student They are perpetrating a fraud using my name. I have told them on the phone that this is not my debt but they still send me a notice.I have never heard of this student living facility
Product: Student loan

I recently was approved for loan forgiveness through the XXXX program which is great news. However, while my application for XXXX was in process, I was required to make payments in excess of the required XXXX payments and thus " overpaid '' by about {$4000.00}. I have been trying for months to get Mohela to issue a refund of this money but have been unsuccessful. My loans were forgiven XX/XX/XXXX and the overpayments were made in XXXX. Each time I have called Mohela about the refund, I have been told that they are " looking into it. '' Today, I have been on hold ( so far ) for XXXX hours and XXXX minutes without being able to speak to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I believe I should be apart of the Wells Fargo settlement. There were extra fees ( insurance ) applied to my loan that I was unaware of. My car was repossessed because I could no longer afford the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am trying to get my credit report to be 100 % accurate. I have disputed several times now with all three bureaus and with each bureau I get the infamous response of verified as accurate. I am going to attach copies of the dispute letters that I have submitted and the evidence to support what I am asking. Items such as collection accounts showing a past due on my credit report which is a violation. The date of status or date updated are inaccurate and show me that the credit bureaus aren't even conducting an investigation at all so how can they say the verified as accurate? Monthly payment due on closed accounts and late payments showing after the account was closed and still reporting. These are all violations and because of this they should be on my report. I have disputed these specific reasons and still am not getting results. I am also have a issue with XXXX and XXXX   reporting my personal information inaccurately. I have provided them with the proper documentation but I still have more than one phone number listed more than one address and more than one full name listed. I should know what my information should be and look like so this shouldn't be a issue. I am also having issues with hard inquiries on my credit report that I have no open account that they could be attached to or my authorization to run my credit. I have not authorized anyone to run my credit for anything
Product: Credit reporting

I checked my XXXX today on XXXX XXXX 2016 and found that I have an unauthorized hard inquiry from XXXX XXXX on XXXX XXXX 2016 on my equifax credit report. This was not done by me I do n't know if there is something opened in my name because as of now it only show the inquiry. I do n't want to get stuck with something that I did n't do. This is fraud if XXXX have anything open in my name.
Product: Mortgage

I was preapproved for a Mortgage with 10 % downpayment and a fixed interest rate. After submitting an offer on a house and paying for Earnest money, inspections, application fees, and 2 weeks away from the closing date, my lender informed me that they now required a 20 % down payment and were increasing the quoted interest rate by .6 %. The house offer was made and planned for based on the preapproval and I do n't have the additional 10 % down payment available. Because of the late notice, it is near impossible to get financing with another lender before the closing date.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unauthorized Hard Inquiries To whom it may concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not authorize : [ XXXX XXXX ] [ XX/XX/2024 ] In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), hard inquiries require express authorization from the consumer. If an inquiry is not authorized or verifiable, it must be removed from my credit report under Section 611 ( a ), which grants me the right to dispute inaccurate or unverifiable information. 

As these inquiries were not authorized by me, I am requesting that you immediately investigate and remove them from my credit report. I have attached a copy of my identification. 

Please be advised that, at this time, I have placed a freeze on my credit to prevent any potential fraudulent activity due to the unauthorized inquiries. I believe this precaution is necessary to protect my credit and personal information while we resolve this issue. 

Please provide me with written confirmation of the removal of these inquiries or, if you believe these inquiries were authorized, provide proof of my consent. Failure to do so within XXXX  days constitutes a violation of the FCRA and may result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates to my address above.