23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a scheduled sale date on my home for XX/XX/2019. I was under impression that I was getting help from Ocwen Loan Servicing, and then I received a transfer notice from Ocwen that I was being transferred as XX/XX/XXXX, XXXX before the transfer Ocwen had already given me the amount of {$2400.00} as my payments. I was waiting for the actual trial agreement to send the payments. 

I have been waiting to hear from Ocwen, then the transfer took place and now I have a sale date of XX/XX/XXXX, XXXX never received an correspondence from PHH.

I received nothing from PHH continuing where Ocwen left off. The only information I received was Mortgage Account Record, FDCPA Validation of Debt. 

I never received the welcome letter offering to help me save my home in any way. 
I did not receive the Sale Date information, I found out from a company offering to stop the foreclosure sale for me. 

The transfer took place XX/XX/2019 and every time I called concerning my account they told me the loan was not in the system yet. That was XX/XX/2019. I was not given any information of options to save my home. 

I feel that I have been treated very unfairly and did in fact experience discrimination in this situation.
Product: Money transfer, virtual currency, or money service

Hello Sir/Madam , I'm using paypal for online business buying loads, game credits online, transferring funds using XXXX  or digital services. 
My account XXXX was permanently limited since XX/XX/2022 and has a funds stuck in it, i wish to withdraw my funds and hoping it was restored soon Thank You, XXXX
Product: Checking or savings account

I have called customer service over and over and am getting nowhere. I have emailed the ceo twice now and no response. my account XXXX I have now gone on XXXX  and I will keep positing away until someone from corporate responds to me about my account. I have sat on hold for over an hour and am still sitting on hold while they investigate I put a dispute in about a XXXX  transaction on XXXX for {$170.00}. XXXX was not authorized to take it, I cancelled automatic payments with them and set them up with XXXX XXXX, they took it anyway. Of course XXXX is saying they cant return the payment and theyll just credit it to my credit card. Absolutely not. I call you bank, a simple process.. can you return the payment and put a stop payment on it? No you have to wait 90 days for investigation.. investigation on what? Return the XXXX payment and stop them from taking again and give my money back! Simple concept. XXXX XXXX wouldve given it before I even hung the phone up. The process shouldnt be this XXXX difficult. I am beyond furious. Simply have your people return the payment and put a stop payment on it. Do you really think XXXX is going to say yes we werent supposed to take payment no theyre not. Its my money and I want the payment returned and returned now! I will post all day and night on x until I get the money back and the payment is stopped!! Fix it!! XXXX is absolutely ridiculous and 100 % unacceptable. I will also be filing a complaint with the XXXX  tomorrow if I do not have the money back in my account in the morning. They absolutely refuse to send the {$170.00} back to XXXX and keep telling me they have to investigate as if XXXX is just going to be like okay cool. I want my {$170.00} back asap!
Product: Credit card or prepaid card

I already have complaint : XXXX. Capital One informed me in the complaint that they would resolve the billing dispute in my favor if I could provide proof of delivery. I provided that on XX/XX/XXXX and have not heard back or seen the dispute resolve in my favor yet. The tracking number I provided was XXXX ( XXXX )
Product: Prepaid card

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on https : XXXX XXXX XXXXaccount and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is fraudulently reporting a credit card debt and delinquencies to my credit profile. XXXX XXXX has been found guilty for deceptive and predatory practices, including reporting inaccurate account information to the two major CRAs, Experian and XXXX. There is a XXXX XXXX account that MUST BE REMOVED from my credit profile immediately! My request to block is not being made in error ; nor is my request being made on the basis of misrepresented material facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading, or factually invalidated information. I have been made aware of the following accounts that can not be verified and it must be immediately BLOCKED and DELETED from my credit profile. I have completed and filed an FTC IDENTITY REPORT and attached the document to the complaint filed and delivered via CFPB communication portal to the 2 CRAs, EXPERIAN and XXXX. 

XXXX XXXX XXXX Credit limit {$300.00} XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is illegal to furnish history transactions without written consent. It is a violation of privacy. There is a need to ensure that the Consumer Reporting Agencies defined as ( CRA ) exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, Equifax and XXXX are all Consumer Reporting Agencies. I am defined as the consumer. Being the consumer I am exercising my right to privacy. 
XXXX XXXX XXXX is defined as a Finacial institution under title 15 USC 1801. I do not and will not give consent written or unwritten, verbal and non-verbal consent to any Finacial institution or ( CRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, Equifax and XXXX. I only got response from Equifax but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as Equifax provide. So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid. 
My other half ( my co-borrower ) and I requested pre-approval letter same time and we both faced same issue. XXXX removed inquiry from his report and waiting for other two to remove from report. So, I tried to reach directly to them to resolve issue without complaining on this platform. But it was really really tough to reach them over the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncrony bank was one of my accounts.

Ill start from beginning when they gave me this card my fica score was prolly low ok Ive been rebuilding my credit but in my opinion its unfair anyway I have credit cards with low limits that can be used in one time and then it puts one credit usage high abs lowers the score my score would go to XXXX etc then back down to XXXX etc and I feel that unfair but thats not what Im complaining about, what Im Complaining about is Syncrony bank gave me a account and I paid that account on time every month for yr or so then they closed my account shut my online statements off where I couldnt get online to pay or see what to pay they never sent a statement out until somewhere around three or four months I can prove through cause I have XXXX app there are pictures of my mail daily ok then they reported me over 39 days then over 60 days and so fourth and ruined my credit I actually am not ever worring bout the unfair credit system but they got me XXXX something dollars where my limit was only a XXXX dollars owed Im needing some help with this because I feel that Im not the only one they did this to my if they think that I believe they dont have people with lower scores than I have especially with the last yr of pandemic where people arent even working etc I dont believe that but This needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies violated my rights XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct # XXXX According to 15 U.S.C section 602 A, I have the right to privacy and my privacy had been violated.

15 U.S.C 1681 section 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written consent and I did not provide any written consent for my information to be furnished in which this too is another violation.

I DEMAND the removal and deletion of all accounts listed above immediately.
Product: Credit card

XX/XX/scrub>XXXX XXXX XXXX I authorized a charge to XXXX at XXXX XXXX for application of an apartment ; {$200.00} was for administration fee and {$75.00} was for an application fee. The entire process was on XXXX website and there was no notice about anything being non refundable, however as a renter, I know the application fee is usually not refundable, but the " administration fee '' should be if I don't take residence. 
XX/XX/scrub>XXXX XXXX XXXX I texted the merchant that my mother had an emergency and I wouldn't be able to move and requested a refund of the " administration fee ''. They replied that their " policy '' is not to refund the " administration fee ''.

XXXX XXXX XXXX I filed a dispute with Capital One since the merchant refuse to refund the administration fee but couldn't tell me where that notice was given to me. They issued a provisional credit for {$200.00} during the investigation process.

XXXX XXXX XXXX I received notice from Capital One that the merchant had provided information to support the charge. I called Capital One since the documents provided only had a letter form Capital One and I did not see what proof the merchant provided that I was notified the {$200.00} was non refundable. I supplied all documentation, including the texts from the merchant which proved I contacted them first about the issue, but Capital One reversed the provisional credit and notified me with a letter on my on line account that they will not be helping me with the claim. " Unfortunately, based on the information we have, we are unable to assist with your claim. ''
Product: Credit card or prepaid card

X/XX/2017 XXXX charged on my boa credit card and bank denied my dispute and now Im stuck paying for something I did not do
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/XXXX, I submitted a dispute to a company called XXXX regarding a recent report provided by them to a potential landlord that evidently included information that shows that reasonable procedures may not have been followed to assure the accuracy or lawfulness of its gathering or distribution. I called XXXX today, XX/XX/XXXX, to inquire further about about the dispute process. Despite the screening report they provided claiming they received their information from Experian only, the agent I spoke with claimed they were waiting on input from XXXX to proceed. Considering the inclination these XXXX bureaus have to go hand in hand, I have reason to believe XXXX has this inaccurate information as well. 
In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected rights to both privacy and confidentiality as enumerated in 15 USC 1681 ( Section 602 of the FCRA ) and The Financial Privacy Act of 1978. Further, in what I've found so far, their actions have violated 15 USC 1681a ( k ), 15 USC 1602 ( p ), and 18 USC 894. 
These violations have directly caused my access to housing to be denied. Considering how badly people need homes and homes need people, this has been deeply damaging to my life, livelihood, safety, and happiness. 

Names Reported : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

These credit furnishers have violated my rights, and restrain trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 ( a ) ( 2 ) that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681s2 ( a ) - Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

In XX/XX/2016, request to convert my CitiGold account to a Basic Banking account. This request was acknowledged by Citi and I maintained the minimum {$1500.00} cash in the account for the XXXX Banking account, instead of the {$50000.00} minimum for the CitiGold account. After looking at my account today, I see that they never converted the account to the XXXX Banking account and I have been charged {$30.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A total of {$120.00}. They refused to reverse the fees and said that there were disclosures I needed to accept in the bank messaging system that I needed to approve for them to convert my account. However, I was not notified of this and was under the impression that my account had successfully converted. They acknowledged my request but could not show me their email of disclosures and stated that these messages drop off after 90 days. I requested they convert it to the basic banking account today, but I would like for them to refund me the {$120.00} in fees they took. I was not properly notified of the unsuccessful conversion.
Product: Checking or savings account

I have a DDA account with SunTrust Bank NA, now Truist. I observed a pair of unauthorized charges on my account dated XX/XX/2020. I immediately contacted the bank and disputed the items. Soon thereafter, the bank credited me back for both amounts. The bank provided also provided me with a new debit card, however they appear to be using a system called Mastercard Automatic Billing Updater which basically fed my new number back to one of the companies who submitted the original fraud charge. Thus, my replacement card is also no good. One of the companies behind the original fraud charge later submitted another charge ( with the new debit card number ) for some type of membership fee. I am now left with no ability ( other than a personal check ) to purchase things like groceries and gas. The bank does NOT provide me with the ability to opt-out of Mastercard Automatic Billing Updater, which I find to be an unfair practice. I don't understand how a bank could be allowed to perpetrate fraud by providing the new account numbers back to a merchant for whom I affirmed to having never ever having a business relationship with. I am considering taking legal action against the bank as well as the merchant who submitted the second charge.
Product: Credit reporting or other personal consumer reports

Transunion is reporting a serious error on my report. they are being negligent with correcting incorrect personal information of mine and now banks are denying me credit I need to operate my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just spoke with Experian there is a false social security number on my account and false addresses This has been happening since I was XXXX years old. Someone continues to use my info falsely Now there is a false Social Security number added to my account I don't know how to stop this I keep filing fraud reports
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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: Credit reporting or other personal consumer reports

These lenders have accessed my credit file without my knowledge or consent, some have even done it multiple times and within a period of 5 days apart. I have sent letters to these organizations to have these hard inquiries removed from my credit report and I keep receiving requests asking for an account number, which I don't have or know. Some have also responded stating that they would remove the hard inquiry, but it still shows on my credit file, affecting my ability to obtain credit approvals from lenders I actually want to solicit. Please have these organizations remove their hard inquiry from my credit file. I also have submitted a report for identity theft : IdentityTheft.gov Reference Number - XXXX XXXX / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX / ( XXXX ) XXXX Inquiry date - XX/XX/XXXX XXXX  / ( XXXX ) XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX Inquiry date - XX/XX/XXXX responded would remove inquiry, yet it still reflects on my credit file. 

XXXX XXXX / ( XXXX ) XXXX Inquiry date - XX/XX/XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/ ( XXXX ) XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX/ ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX  / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX ; XX/XX/XXXX XXXX - XXXX XXXX  / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX ) XXXX No response from dealership Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Said there would be no impact to my credit score, yet here it shows up XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX NA Inquiry dates : XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX