23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for credit card at best buy I was denied for card I applied for got determination letter saying I didn't qualify for then a couple weeks later I was sent a lower card I qualify for in witch I didn't apply for but I thought about it ok it's less of XXXX I applied for but then when I received it in I never thought a card was coming after denial letter so I opened it and called to activate it my information didn't match so they transferred me to someone I thought would help me but keep getting the run around asking me for personal information I didn't feel comfortable giving nothing but wrong information steady tried to get personal information I tried to tell them why should I tell you that if not needed to access this account nothing matches I gave them information on bill I got for a card I never activated gave account number on a bill I got still couldn't help me steady asking for personal information
Product: Mortgage

I filed bankruptcy in XX/XX/2022, it did not include my mortgage. SLS included a claim of an amount due that was already paid, it was a monthly payment they have since collected in it after its already been paid. They removed my online access which does not allow me to pay online anymore. I now have to pay by phone by the XXXX or Im charged a fee. However, my mortage contract gives me until the XXXX until delinquent. This is mistreatement of customers in bankruptcy. I have use bill pay to get around the fee and they have taken my funds and put them in an account which we caused them to report to my credit that Im delinquent. I call to get it fixed and they tell me Im good. Then I call back about PMI which I am now being charged for incorrectly and they said Im delinquent again. I sit on hold and then they hang up. I have no access to my mortgage and no one at SLS can answer my questions. They have admitted to providing incorrect information. I do not receive paper statements and can not access electronic statements online. I believe I am being mistreated as a customer and would like a resolution.
Product: Mortgage

I have contacted company directly to try resolve matter and their attorneys. I offered to pay an agreement or pay what the property is worth after they do an interior appraisal. I can get financing from other sources. I have family members willing to assist me. Although the bank knew and knows that I am the deed holder. They have not afforded me a post Covid conference, amended me to foreclosure or any other required provisions in banking law for foreclosures. I am not sure if this loan is a FHA Loan. I Have not been able to ascertain any proof of debt from lender or their attorneys.
Product: Mortgage

XX/XX/XXXX Re : Ocwen Loan Servicing, LLC Loan Number : XXXX To whom it may concern, I would like to file a complain regarding Ocwen Loan Servicing Escrow department. On XX/XX/XXXX I receive an Annual Escrow Account Disclosure Statement, upon reviewing the statement it indicated that according to their projection for the coming year, the expected escrow balance is {$1000.00}, making the escrow balance deficiency {$0.00} and based on the expected balance deficiency of {$0.00} and the minimum required balance/Cushing of {$640.00}, an additional {$250.00} is needed for the escrow balance. 

A coupon was sent in the package for me to send the additional {$250.00}, therefore on XX/XX/XXXX I mailed the additional money via priority postage with a tracking number which was sent to Ocwen Loan Servicing Dallas Texas office location. 

On XX/XX/XXXX I notice that the check was not process as yet and I decided to track the letter I sent with the check and it stated that the letter arrived on XX/XX/XXXX. However, I called Ocwen Loan Servicing to inquire about the additional funds that is needed for my escrow account ; I spoke with XXXX at Ex XXXX and was told upon further research he did not see where the funds were process to the escrow account but should give him 24 to 48 hours get to the bottom of whats going on. I did not hear back from XXXX in time so, I called him and left him a message regarding my escrow account. 

I decided to call back Ocwen once again and was transfer over to XXXX at Ex XXXX after explain to her what is going on, she did some checking and did not see any new updates no my account and ask me to give her chance to get to find out what is going on and why the payment has not process as yet and to further give her until XX/XX/XXXX to get back to me. 

I have not heard back from Ocwen regarding this very important matter and it make me nervous about the situation and have me wondering if some nefarious afoot, I am sorry but I cant help myself for thinking that way about the entire situation. 

Hence, as of XX/XX/XXXX I have check my bank and the funds is still in my checking account and has not been process by Ocwen Loan Surviving as yet. So, I decide to file this complaint against Ocwen. 

Thank you for your attention toward this very important matter and I truly appreciate your help. 



Sincerely, XXXX XXXX PS : Attachment 1 tracking # XXXX USPS Attachment 2 Ocwen documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I talked to them on the phone and they said I still owed a debt, I was taken to court earlier by a different attorney and this debt was dropped because I have a XXXX XXXX and paid-off note! this is not my debt. The court in XXXX XXXX has a record of this information and I am no longer to be contacted over this debt. This is unfair and the original collector knows it was paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to XXXX, transunion, and XXXX. The credit companies are not complying with their own policies in a timely manner.
Product: Credit card or prepaid card

Back in XX/XX/2018 I believe it was I was scammed by a woman online who made it come off as I was her than boyfriend, however, I later discover after she got a hold of my discover card login information that she went to try & clear the balance and each time after about a week or so the payments where all returned, I tried to speak to a number of discover card customer service reps and was told by one I was  scammed by what called a girlfriend scam however, they where not willing to do anything. I not believe Discover card would not even freeze the account or call me and ask me what is happening I mean this happened like over like two or so months & yet Discover never once said this looks out of place or anything to cause them to contact me other than asking me for payments or when I can make a payment to the account, granted I was at fault as well for falling for such a scam, however Discover didn't do XXXX XXXX $ anything to step in when they saw payments where returned and asking what is going on or freeze the account when they noticed payments where return. I don't know about anybody or anyone else but if I would have noticed this faster myself I would have never used the card any longer & would have done everything to fix this. I am angry and upset at Discover card for failing me when they could have surely protected me when I could have used it most at the time, but instead, they sit there and did nothing. I was a brand new customer of their 's and this is the thanks I get, I mean discover card now put my account in collections and just wants there money, I am beyond upset and angry about what happened and needless to say more hurt because nothing was ever done to help protect me as customer. I am not disputing the fact I should have known better, but I feel discover could have done something to step in when they saw one returned payment and ask me what is going on instead of not doing a XXXX thing. Now my balance is over {$3500.00} & growing, this is crazy more so when I feel if discover card could have helped me out and saved me from more problems instead they didn't do anything at all. I don't quite understand how any credit card company can just sit back and do nothing more so when a person becomes scams like I was by some person online who doesn't care who she / he hurts.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house, but then I realized that I had damages on my credit report. According to the 15 U.S.C 1681 law there should not be any damages on my report. it is a defamation my character.

I am wanting to dispute these inquiries to be deleted because I did not authorize these companies to run my credit, they are fraudulent.
Product: Credit reporting or other personal consumer reports

I called Equifax and Spoke with an employee named ( XXXX gave me employee ID # XXXX Supervisor ) who basically told me that he was the highest-ranking person I could speak with, on XX/XX/2024 I submitted an FTC report along with other supporting documents, and both XXXX and XXXX investigated this case of Identity theft ending in the same result. Equifax has been putting me through a very difficult time after explaining that, I went through XXXX XXXX and during that time my information was compromised. I am a victim of identity theft. The fraudulent information is showing on my credit file but is not mine. This complaint is regarding an employee named ( XXXX gave me employee ID # XXXX XXXX )
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX AUTO FINANCE IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>
Product: Debt collection

I made the payment in XXXX. It was removed off my credit report. Now 5-8 months later I'm getting a call that I owe money when I already paid. They are saying they have no record of payment when they even took off my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has never corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my current credit report from your bureau, I came across the disputed accounts, and I don't think they are 100 % correct. Would you please UPDATE these ACCOUNTS from my credit report.
Product: Mortgage

I have been working diligently with Select Portfolio Servicing to preserve my home since XX/XX/XXXX. I applied for the request for mortgage assistance ( RMA ) on XX/XX/XXXX. The process was 3  months, and I was denied the RMA. At one point, I waited for over three weeks to get a response from my relationship manager, XXXX XXXX ( **email dated XX/XX/XXXX ). I work closely and regularly with XXXX ( **emails titled My email Correspondence XX/XX/XXXX- XX/XX/XXXX ). The emails will show my due diligence and the lack of communication from SPS, to genuinely assist me in preserving my home. At the same time, I was receiving a barrage of mailings daily from SPS ( **email dated XX/XX/XXXX ). I sent an email to XXXX stating this was redundant, causing confusion, and stress with no response from her. In addition, I sent an email ( **dated XX/XX/XXXX ) asking about these erroneous charges to my mortgage account. I sent an email ( ** dated XX/XX/XXXX ) asking why a {$100.00} pyt. I made in XX/XX/XXXX was not applied to my mortgage and why there was a {$15.00} fee, and XXXX explained the fee is for a drive by. They are aware I am living at the property. I sent email ( **dated XX/XX/XXXX ), because I did not receive a scheduled call from XXXX . I received two mailings ( **XX/XX/XXXX & XX/XX/XXXX ) and a call about an outreach event in XXXX XXXX . I informed the caller, my RMA was denied in XX/XX/XXXX. I received a certified letter from SPS ( **XX/XX/XXXX ). I have returned every message/call I received promptly. I emailed XXXX ( **XX/XX/XXXX ) about harassing phone calls ( XX/XX/XXXX & XX/XX/XXXX ) about my account being in default. I informed the SPS Rep. that I have been in close contact with XXXX. I sent an ( **email on XX/XX/XXXX ), questioning why my {$600.00} pyt. was not applied to my XXXX statement. I received another call ( **XX/XX/XXXX, XXXX XXXX ) after I filed a complaint regarding these calls. I informed the Rep ( XXXX ) I was working with XXXX. The Rep informed me, my acct. was on auto dial And, If I remove my number, there wouldnt be able to contact me. She questioned me about my intentions for the property. In addition, I have received three SPS letters ** ( Add Date ) The {$600.00} and {$300.00} payments were not automatically applied to my XXXX and XXXX payments on my Mortgage Statement ( ** XX/XX/XXXX ), as I was informed by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/XXXX, I was informed by my auto insurance provider that they were unable to request a credit report using my name. This was not surprising - I completed a legal name change earlier this year. My legal name is " XXXX '' with no last name. My court order ; Driver 's License ; and Social Security Number card all accurately reflect that my only name is " XXXX ''. 

That same day, I created an Equifax account and attempted to use the provided tools to update my credit reporting information. I was not able to update my name as the webpage requires a last name, and would not accept my usual workarounds of either a hyphen or a zero-width whitespace character in place of a last name. Still on the same day, I contacted Equifax customer support via XXXX to report that I was not able to update my information. They responded in XXXX direct message, and also later by email, requesting documents to prove my change of name ( " Proof of Name '', " Proof of SSN '', and " Proof of Address '' required ). I promptly provided the requested documents ( a Court Order of name change, a photocopy of my driver 's license, and a photocopy of my SSN card ). The next day ( Tuesday, XX/XX/XXXX ) I received a follow-up email saying that they are " currently unable '' to correct my name, due to system constraints requiring a first and a last name. I replied within XXXX hours to tell them that leaving my name as-is was a completely unacceptable solution, but that I would be happy to work with them to find a solution that does not require them to implement a costly code change. I received no reply. On Thursday, XX/XX/XXXX I reached out to the Equifax customer service team via XXXX once more to report that I was still waiting for them to contact me to find a solution. I was told that the XXXX XXXX had already contacted me and " provided the indications '', which I understood to mean that they considered the case settled. I again told them that leaving my name unchanged was not an acceptable solution, but I was willing to work with them to find an acceptable solution. I received no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous accounts on my credit that mostly XXXX is reporting incorrectly but also a few on TranUnion and XXXX. 
The first is a public record that is hindering my ability to qualify for credit. XXXX is around 60 points lower than my Transunion and XXXX score due to the fact that they are still reporting a bankruptcy that was filed in XXXX. It was removed from XXXX and Transunion in XXXX of XXXX. I have disputed it twice since then and it is still reporting. 

The second issue is in regards to all three credit bureaus. They are all reporting my Department of EducationXXXX TWICE per account. I have 4 accounts and they are reporting 8 times ( two per account ). The account is current and reporting accurately as current and then also reporting a second time as negative which is it not. In XXXX into XXXX I did a rehabilitation program to bring these accounts out of delinquency and instead of updating the accounts and reporting them accurately, it now appears I have 8 student loan accounts when I have 4 and only 4. 

The third issue is XXXX XXXX is posting as a negative account when A ) it is too old to be reporting and B ) I paid this account off in XXXX to a collection agency prior to purchasing my home. The issue here is that all the way up to XX/XX/XXXX, they are reflecting missed payments when this was sent to a collection agency and settled two years ago. 

The fifth issue is The bank XXXX XXXX  which is also posted as a negative account. This account as well is too old to report. It was also paid off to a collection agency in XXXX prior to purchasing my home and it still reporting missed payments up to XX/XX/XXXX. It has been paid for over two years. 

The last issue is XXXX XXXX. I have dealt with nothing but issue with this company since the getgo. The date of delinquency is incorrect. It was settled prior to purchasing my home in XXXX and it was supposed to be removed. When you speak to their company they are rude and hard to deal with. One person tells you one thing, another tells you something else. 

All of these issues are affecting my credit and I have tried for two years now to have my credit report reflect accurate information. I have worked hard to redeem my credit, make all payments on time and opened my own business over a year ago and because of these errors on my report am constantly denied credit when I should be credit worthy. 

This is my last attempt at correcting it myself before getting an attorney involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding an accurate and unknown thing 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: Credit card or prepaid card

This account has been charged off as of XXXX, 2019. Since then the account has repeatedly been updated as closed and charged off every single month which is an update in the payment history which to my understand charged off accounts should NOT include an ACTIVE PAYMENT HISTORY. Need I remind you this also FALSELY MANIPULATES THE STATUTE OF LIMITATIONS.. This has caused tremendous stress and poor scoring on my consumer report.
Product: Debt collection

GLA collections is trying to collect a debt through vip imagining llc that is not mine. I have sent them the police report and the FTC paperwork several times. I am a victim of identity theft and this account does not belong to me. I have no clue what it is even for
Product: Checking or savings account

I deposited a check via mobile app on Sunday/ XX/XX/23 I received an alert that my funds were on hold. I was told it would not show up until XXXX Monday and the alert was automatic. So XXXX days down I finally go into the branch after talking to three representatives and two supervisor because its XXXX and my funds are still on hold .Truist says the hold will be there till XX/XX/23. I have never waited longer than 3 days. This is more than a week and I have the physical check present. Then I was told to return to the branch, get in touch with the issuer of the check ( XXXX XXXX ) to verify and they would release the hold. This was the end of the day now it is XX/XX/23 I went into a XXXX XXXX they had never heard of such policies, I also contacted the person who signed the check. I am currently on the phone with Truist and they have me on hold waiting to talk to administrator. But they made sure to take out fees from my monkey they have on hold and makings me do the leg work just to not need it and take off hold anyways. Very dissatisfying I feel as if I was profiled and treated as such. I just want access to my money when I need it. I will be closing this account and taking my sticks back I will not invest in a system that operates like this. Truist is not true to what they represent I have been with them since the merger I am done do not bank with Truist they do not support everyone. Now Im being told to have the issuing back scan a copy front and back to show that its cleared. I have literally never heard of this procedures. And the nerve of the local representatives to shift blame on the mobile hotline. When they all are under the Truist umbrella same training. Do not bank with Truist because disappointing is what you will receive.