23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A. On XX/XX/XXXX was told by Ocwen via equator message that the net was short around {$3000.00} and to submit a higher offer. 
B. Higher offer was submitted on XX/XX/XXXX which increase the offer to {$260000.00} the net by {$2500.00} ( which is around $ XXXX ) C. Escalation dept confirmed receive of document XX/XX/XXXX yet underwriting did not not the file as complete until TWO WEEKS later despite my follow ups. 
D. File was at a standstill until XX/XX/XXXX despite weekly follow ups we should not be penalized for underwriting taking much longer than they should have. 
E. XX/XX/XXXX I increased the net even more to {$230000.00} which it is over {$3000.00} higher in net then the original hud submitted I do not understand why the short sale is not pending approval with the above considered
Product: Checking or savings account

XXXX charge of {$200.00} on XX/XX/2023. The product was faulty and I could not file my tax extension. The admitted, I have pictures and a video it and still refused to give me a refund. I filed a dispute with bank of america. They refused to give me a provisional credit because of the " type '' of company XXXX XXXX is. They sent communication to XXXX XXXX . Bank of america claims they never heard from XXXX XXXX. A lie. I have proof XXXX XXXX did in fact tell them that my money would be refunded. Then Bank of america told them they had already issued a credit which they had not. So XXXX XXXX won't refund me. Bank of america says still I have to wait 45 days for XXXXXXXX XXXX  to respond when they already have. They claim still they have never heard from XXXXXXXX XXXX  and that they are lying to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it shows my XXXX XXXX account still in collections. When it has indeed been resolved which means it is no longer in collections and needs to be removed off of my 3 credit reports.
Product: Debt collection

on XXXX XX/XX/XXXX  at XXXX XXXX  i received a phone call by one of my employees that work at a different group home that i have mail and i was not in a envelope and informed me that all of the employees seen i my personal information well as of my social security number the company name is Asset Acceptance LLC XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

For the following two loans
  1-01 DL Consolidated - Unsubsidized, disbursement date XXXX
  1-02 DL Consolidated - Subsidized, disbursement date XXXX
Navient lists XXXX as the receiver. I did not go to XXXX in 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate and unverifiable information and has effected my lively hood. Because of this I have been denied jobs, housing and credit lines. Below I have attached a screen shot of the accounts that are inaccurately reporting per consumer protection law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has incorrectly reported late payments I am enclosing an ledger report from XXXX show that they payments were made and that no late fees were accessed. 

I have included bank statements showing the payments were made within 30 days. And an complete payment history for the payments made while I was in Bankruptcy. 

XXXX was paid off in XX/XX/XXXX and then after payoff they reported to XXXX   and Experian that in XX/XX/XXXX I was 180 days late, XX/XX/XXXX 90 days late, and 150 days late in XX/XX/XXXX. Please note on the credit report they show XX/XX/XXXX through XX/XX/XXXX No late fees and all my payments are listed on their ledger. I have highlighted them for you starting on page 32 - 37. 

Enclosed also find a summary of payments from the trustee XXXX XXXX. Please note how XXXX posts credit and how the actual payments from XXXX XXXX the trustee differ.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN REFERENCE TO THIS ACCOUNT LISTED BELOW : NATIONAL CREDIT ADJUSTMENT Account # XXXX NATIONAL CREDIT ADJUSTMENT Account # XXXX I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE.

2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED.

WITHOUT PREJUDICE. 

THIS COMPANY HAS FAILED TO PROVIDE A WET INK SIGNATURE SAYING THAT I OWE THEM THIS DEBT.
Product: Debt collection

I received two notices from National Credit Systems , Inc . Both notices stated that I had until XX/XX/2022 to dispute all or any part of the debt and that I could do it by phone or mail ... Because I had received the notice days before the dispute deadline, I decided to call to issue my dispute on XX/XX/2022. On this date, I called with XXXX XXXX directly at ( XXXX ) XXXX and spoke with him... I informed XXXX XXXX that I was disputing both notices with reference numbers XXXX and XXXX and requested that he prove that i owd the debt by providing me with a debt validation letter and supporting documents. XXXX XXXX at the time asked for my email address and I informed him that I was requesting this information be sent by mail. XXXX XXXX then agreed to mail these documents to me, but to no avail. XXXX XXXX website also clearly states that National Credit Systems does not provide any correspondence via email. I later received another notice from XXXX XXXX of National Credit Systems statting that I haver not made a suitable arrangement to resolve my debts. On XX/XX/2022, I called XXXX XXXX again and informed him that I did not receive the requested debt validation documents ... XXXX XXXX went on to indicate that he did not have the documents but that I still owed the debt. I asked to speak with XXXX XXXX XXXX and XXXX XXXX ended the phone call. I tried calling back right after and was left on hold by XXXX XXXX for a long extended amount of time with no success of being connected to a supervisor or manager. I followed up with another phone to XXXX XXXX on either XX/XX/2022 or XX/XX/2022 and had an extensive conversation with him. I informed him I was disputing these debts and still wished to speak with his supervisor, again to no avail ... XXXX XXXX informed me he would again email me documentation and I informed him that his website clearly indicated that National Credit Systems did not communicate with clients via email. XXXX XXXX informed me that he would have his supervisor contact me that day but I have yet to receive a telephone call. These accounts have been placed on all three of my credit reports and have caused my scores to go down over XXXX per bureau. Because of this inconvenience, I have not been able to obtain the requested credit needed for myself and my family. I appreciate your assistance in helping resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports., 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 gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Checking or savings account

On XX/XX/2020 I received a promotional email from Bank of America ( BofA XXXX ) that offered {$300.00} for completing these three steps : 1. Enroll in the offer ( I clicked on the hyperlink to enroll ) 2. Open an eligible checking account ( I was approved for the checking account on XX/XX/2020 ) 3. Direct deposit {$4000.00} within 90 days ( which I completed within 30 days ) The {$300.00} promo should have been deposited within 60 days of satisfying all requirements above. However, six months went by without any update from BofA. I called their customer service department on XX/XX/2020, was given a case number XXXX, and was informed to follow up after 45 days if I don't hear back. 

I waited more than 60 days and still heard nothing from BofA. I called their case review team on XX/XX/2020 at XXXX and spoke with Supervisor XXXX. He agreed that I met all requirements for the bonus and assured me that it should post within the next 14 days. 

Almost another month went by without any update from BofA. I spoke with XXXX on XX/XX/2020, who said that she will ask the Supervisor XXXX from the last call to follow up with me & gave me 3 business days timeframe. 

After not hearing back from XXXX, I called for the FOURTH time to BofA and spoke with XXXX on XX/XX/2020. He stated that he submitted a new escalation # XXXX, and informed me that a member from the Escalations Unit will follow up with me within 3-5 business days. 

Almost another month has went by without any update from BofA. I am very frustrated at how the bank baited me into opening an account, set up direct deposits totaling over {$10000.00} throughout 2020, and then put me through a ridiculous and unprofessional runaround just to deny the bonus that they offered me in the beginning. I have collectively spent 10+ hours just on the four phone calls, and each time I reach someone with neither the authority nor the initiative to enact any changes, but simply stick to re-reading some " update '' that my bonus was denied but can not provide details as to why. 

I have completely lost patience and trust in BofA as an organization. I will be closing my three credit cards with them shortly and recommend all of my friends and family to think twice before conducting business with this bank.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, between XXXX to XXXX, I got a call from someone claimed that they are XXXX XXXX XXXX that I need to make a payment of {$190.00} through XXXX or they will shut off my electricity with 30 minutes. So I did. Then they transfer me to their " supervisor ''. The " supervisor '' said the {$190.00} is not enough to stop them to cut off the electricity. The lowest is {$280.00} otherwise the electricity will shutt off still with 30 minutes. So I had to pay the {$280.00}. Then they told me to put a refund code of XXXX to get the {$190.00} back, after I did that, it actually sent another {$990.00}. So they said that I did too slow the refund code was expired, my account was locked. So they said I need to send {$490.00} safety secure deposite to get my money back. But after I sent this I still did not get my money back. I realized that I got scammed. I called Wells fargo right away, they said they gave me 3 referance code, but they closed the case in 3 or 4 days. They told me that It's like I gave them cash, so I can't get my money back.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681 -permissible purposes 15 U.S Code 1681 C-2 " blockage of information ''. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I was reviewing my credit report and observed that there were new hard inquiries to my credit report that I did not authorize. I have contacted the institutions and they have zero information associated with the accounts or information to provide. I have called Transunion and they have not helped remove the hard inquiries mentioned. I demand this to be removed immediately
Product: Debt collection

I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. 

XXXX XXXX XXXX XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

I understand the complexities involved in such disputes, but it is crucial to comprehend the gravity of the situation from my perspective. Every day that passes with these fraudulent accounts tarnishing my credit report brings about additional distress and uncertainty. 

I implore you to expedite the process and ensure that all the accounts in question are thoroughly investigated and resolved within the shortest possible timeframe. This matter requires your full attention and diligence to bring it to a satisfactory conclusion. 

I expect a written acknowledgment of this dispute letter and a commitment to completing the resolution of my identity theft claims promptly. The law mandates a timely response, and I insist that your bureau fulfills these legal obligations without further delay.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Kohls Dept Store has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

Mr. Cooper has not initiated foreclosure, but threatens to weekly. My complaint is with their tactic of not applying overages towards satisfying outstanding balance on my mortgage, and instead withholding the overage ( partial payment Unapplied ) in a zero-interest escrow account that they wont apply to a Shortage until the complete Amount of said shortage is submitted. In my case, they are sitting on over {$1200.00} they should refund to me. Im going to ask for it back again today as the payment ( w penalty ) is not due for 30 days from XX/XX/22. Im short on cash given they were sent {$2500.00} of my {$3000.00} pension, leaving me little cash for food, utilities, transportation and the like. This is a tactic designed to push me to modify my loan ( which will take XXXX months total to complete ), and foreclose in the meantime. As the nations # XXXX mortgage lender, this company must be scrutinized to a higher degree! They are doing whatever they want and DC seems satisfied to let them proceed! Please, look into their partial payment unapplied scheme?
Product: Debt collection

This company has been calling myself, family and friends for about three weeks starting on XX/XX/XXXX. In both cases detailed messages were left on their machines. Since then they have both been contacted numerous times. I contacted the company on XX/XX/XXXX to figure out what was wrong. They told me I was being sued and I would be served at my workplace. everything sounded fishy, so I decided to do more research before paying them.

Today, XX/XX/XXXX. This company somehow got the number of both my girlfriend and her mom and have been calling repeatedly back to back. They also contacted me 22 times over the course of 3 hours today.
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle was paid off and should not be reporting to the credit bureaus as a repossession.
Product: Payday loan

I took out a loan with Westen Sky and it was immediately sold to XXXX XXXX and then ended up with Delbert Services. They never took out the payment on the date they stated. It always took longer and ended up costing me in overdraft fees, etc. 
I have been called by several companies claiming to collect for Western Sky and Delbert Services, etc. They all threaten and call friends and relatives with threatening tones.
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY SERVICES is in direct violation of my Consumer Rights. 

They are reporting inaccurate information to my consumer report. 

See attached.
Product: Credit reporting or other personal consumer reports

I have inquiries that i did not authorize on my credit report XXXX XXXX  Inquiry : XXXX XXXX, XXXX  XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX, XXXX  Credit Unions and Finance Companies Other Than Personal Finance Companies I did not authorize these inquiries neither do i recognize them please remove with urgency
Product: Credit reporting or other personal consumer reports

I am making this complaint because I have not got a response from Experian and it is past the 30 day mark they received my dispute. I sent them a certified letter stating that I was not responsible for some accounts on my credit report due to identity theft. They received my letter on XX/XX/year>. The article number is XXXX. The tracking number is XXXX. Can you please help me with this unfortunate and time consuming matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent request over and over and sent letters to TransUnion, XXXX and XXXX, for them to update my information correctly because they have old information online consumer report numbers that I can no longer be reached at and addresses that are not mine as well as phone numbers that are not mine and I asked them over and over to update my information correctly on my consumer report and they have failed to do so.
Product: Credit reporting

I had recently applied for a mortgage loan and was denied. I was troubled by the results because I had recently hired XXXX XXXX to help me in repairing my credit score. After getting denied I asked to view my credit report. So online I viewed it and noticed some disturbing information. Experian has had a lot of errors that has affected my credit for a long time. 
In the personal summary, the XXXX main problems are as follows : The social security number is completely wrong. As well as the names listed. However, I do know the person that is listed on my report. It clearly states that the name on it is XXXX XXXX who indeed is my son and it is also his SSN on my report. 
Which means they are looking at his history and not minds. Also I wondered why was my application for numerous things always being denied and yet it never hit me til now. Because I know my credit should n't be at a poor status even the other credit monitoring companies have a differential in score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning on XX/XX/XXXX I attempted to file an online dispute with Transunion & got an error message saying " online disputes temporarily unavailable ''. I tried several more times over the subsequent days & then finally called in on XX/XX/XXXX to get assistance from tech support. To date I have received several explanations as to what the cause may be & what can be done to solve the problem, but nothing has changed & frankly the explanations seem made up. For example ; I was told there was a conflict with my online information vs what appeared in my credit report. This doesn't track considering on XX/XX/21 I mailed letters to all 3 bureaus providing all of my information & requesting any erroneous info be removed from my file. Most recently I was told that the issue stemmed from me previously filing a dispute via USPS on XX/XX/XXXX, which is obvious nonsense seeing as the issue started with me not being able to file online nearly a week prior to that date, not to mention I haven't been able to mail anything because I haven't been home. Every time a new excuse is given, I am required to wait days at a time to see if the new fix will work. 2 weeks in & I am still unable to file the dispute online through no fault of my own & mailing in the dispute represents a hardship, as I am an over the XXXX XXXX XXXXr that seldom gets home.
Product: Debt collection

XX/XX/2015 I contacted TFC Credit Corp in an effort to clean up my credit. They informed me that my collection had been sold to XXXX XXXX, and that in order to take care of the collection with them, I would first need to pay off the debt with XXXX XXXX and subsequently, TFC would delete my collection as well. I was told this on two separate occasions, with several different people who work for TFC. I asked them for something in writing that would guarantee this policy, and they refused to send me anything. So, in XX/XX/2015 I settled with XXXX XXXX, thus taking care of my debt with both collection companies. Several months later, I looked at my credit again, and while XXXX XXXX had deleted my account from my credit report, XXXX still had not. I contacted TFC a few weeks ago to find out why they had not deleted their collection that no longer existed, and they said they could n't help me. I am writing this letter to report that I have paid this debt through the company they sold my debt to, and now I no longer owe TFC. That being said, TFC needs to remove the debt from my credit report as it is now falsely reported.