23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been reaching out to Ocwen/PHH mortgage company since XX/XX/XXXX for a lien release on the property located at XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX The mortgage on this property was settled in XXXX through a loan modification and a cancellation of debt issued by Ocwen through the provision of a 1099, which is attached. I contacted the company and was assured that the mortgage was settled with them and that I didn't owe them any more money. I have had absolutely no communications from Ocwen since XXXX concerning this mortgage since the provision of the 1099. 

I began to attempt to sell this property in XXXX. I found a prospective buyer and entered into a sales contract with a settlement date of XX/XX/XXXX. On XX/XX/XXXX, the title company contacted me to notify me that Ocwen still had a lien on the property, that I needed to provide proof that the lien was satisfied through obtaining and providing a lien release. I proceeded to contact Ocwen that same day, which is now affiliated with PHH Mortgage Company, to obtain a lien release. One of their escalation managers, XXXX XXXX, assured me that he would be getting back to me within 3-5 business days. He never got back to me. I then contacted another escalation manager, whose last name was XXXX. He sent my Ocwen account number to the Lien Release department along with the 1099 showing the cancellation of the debt. I received an email indicating that this information had been provided to the Lien Release Department. My realtor than asked for and received an extension on the settlement date to XX/XX/XXXX to provide more time to receive the lien release and to preserve the sales contract. 

Around XX/XX/XXXX, the title company representative, Ms. XXXX XXXX, and I then began to reach out to the Lien Release department on a daily basis asking when we would receive the lien release, informing them all the while that we needed it as soon as possible to proceed with the sale of the property. Ms. XXXX even informed the Lien Release department that XXXX XXXX, the title company that she worked for, would file the lien release. After another week of sending emails to check on the status of the XXXX release around XX/XX/XXXX, another Ocwen/PHH escalation manager, last name XXXX, told Ms. XXXX that the lien release could not be issued for another 30-45 days without providing any other reason than that it would take that long for the Lien Release Department to process it .

As of this date, I still don't have the lien release on a mortgage account that should have been closed out in XXXX with the cancellation of debt. Ms. XXXX informed me that the mortgage company is legally required to issue the lien release within 45 days of closeout of the mortgage account. I will lose the deal to sell my house because of Ocwen's/PHH 's failure to issue a duly-owed lien release on the property in even a remotely timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to refinance the remaining balance of a 2nd mortgage ( XXXX XXXX ) in XX/XX/XXXX which was denied due to incorrect information being reported from primary mortgage lender. I continue to make payments and have never missed a payment but in XX/XX/XXXX XXXX  charged the account off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. XXXX has been contacted regarding this issue at least twice, once in XX/XX/XXXX and once in XX/XX/XXXX.
In a letter dated XX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement.
In a letter dated XX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date in XX/XX/XXXX.
I applied for a mortgage loan in XX/XX/XXXXof this year and was approved for same pending appraisal and final underwriting. I am now in receipt of a loan denial because XXXX is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed.
XXXX was contacted via USPS and via CFPB, according to XXXX  they are reporting to that credit bureaus that my account is " charged off and currently paying under a partial payment agreement '' and that " XX/XX/XXXX is the charge-off date. '' The letter went on to say that the problem lies with the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

No knowledge of this account. Filed a report for fraud/identity theft with the federal trade commission account XXXX XXXX Date opened : XX/XX/22 amount : {$480.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent INQUIIRES in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any INQUIIRES listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

We purchased a Refrigerator from J.C Penny store on XXXX2017 and it doesn't work at all. No cooling whatsoever. We contacted them several times then, and finally came on XX/XX/XXXX to pick-up their Defective appliance, Selling Defective Appliances really terrible, they charges us XXXX  for the Refrigerator. And XXXX for the Windows Blinds., and on other statement showing $800.00 some dollars. Therefore; J C Penny must removed the Refrigerator price from the statement period. and rectify the Blinds amount correctly.
Product: Debt collection

I have always been covered by XXXX XXXX XXXX   XXXX. The bill should have been billed to XXXX  instead of me. Ive called the company to try and get proper involve on how to get the bill to them and they have been unhelpful
Product: Debt collection

This collection agency Franklin Services is trying to make me pay a XXXX  related services i didnt get from a Hospital nowhere near my city. On there bill, i received 3 services including XXXX XXXX  and XXXX in XX/XX/2020... Ive never got those services so it doesnt make any sense at all ... Because i have proof that the only XXXX XXXX  i got that year was in XX/XX/2020 in a different location and paid by insurance. I dont have records of any XXXX or XXXX XXXX not even from my own hospital and primary care Dr. and why would i go somewhere else? Not to mention that the bill is signed by someone else. not even my signature. And the adress they had was from That State. Id tried to have it removed from the credit thru XXXX with all my evidence and they denied me. I would like to report this matter and have this resolve asap.
Product: Checking or savings account

I am a Chime banking customer. I tried to use the approved atms per the chime app and the atm located to find atms that are in network and can accept cash. I was unsuccessful at 3 different atms. When I tried to use the automated system to ask for help I was unsuccessful and given the option to talk a representative. After being on hold for 10 minutes, I was transferred to someone who told me that having issues with deposits since XXXX prior. Although, no alert or email was ever sent to me. When I asked why I couldnt deposit money, I was told to give me money to the cashier who will charge my card with the amount that I wish to deposit. This goes completely against the instructions that the app and the automated support system advised. The person then asked me to go to XXXX and try several other ATMs around town, I asked them out right why it was not working and they were not providing a solution. I asked to speak to a supervisor and was told that the supervisor would not take the call. This bank is essentially lying to its customers about the ability to deposit cash into the ATMs, the company is not providing me with an answer and I want this issue resolved.
Product: Debt collection

I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation
Product: Credit reporting or other personal consumer reports

I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received an email from Experian to check my account that a new address has been reported. I subsequently received a similar message from one of my credit card accounts saying that they got this updated address from Experian. 
The new address doesn't exist, first of all. 
On the Experian website, it said the address was supplied by Experian. 
When I tried to dispute the information, it said it was provided by XXXX XXXX 
Their system wouldn't fix the problem, so I called them and they are VERY difficult to reach in person. The agent and I discussed XXXX addresses on my page that are incorrect. I asked who reported these and she rattled off ALL of my creditors. This is impossible and I checked with most of them. NONE of them say they ever even had these addresses for me. 
I think Experian somehow found somewhat similar addresses, added them to my report, then reported them to my creditors and when my creditors send them updates each month, they are just sending back all of the information they are getting from Experian. 
Experian refused to do anything for me. 
The XXXX incorrect addresses have NEVER been used by me. They are not " variations '' as Experian likes to call them and I shouldn't have to contact all of my creditors and ask them to remove these addresses that they ALL say they do not have for me. This is ludicrous and a complete waste of my time. Help!
Product: Credit reporting or other personal consumer reports

I sent certified mail with my identification asking if they can make sure everything was correct on my Bankruptcy have yet to receive anything back. I have my receipts from the first day I sent.
Product: Vehicle loan or lease

I sent out a notice of rescission, truth of affidavit and cease and desist to the company Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and neither have replied. Bridgecrest has since stopped the phone calls which was explained in the cease and desist which gives indication that they have received my letters however they never responded. I have documented proof of delivery of these documents to both companies. I entered a contract with these companies on XX/XX/XXXX and have since noticed many violations of my consumer rights. I listed those rights in the mailing and explained how they violated them and by law what they must do. I have asked for my down payment of {$2000.00} and all monies paid towards the vehicle.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Mortgage Reporting by XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for the continued reporting of inaccurate and unauthorized information related to my mortgage account with Cardinal Financial . Despite multiple attempts to resolve these issues directly with XXXX, they have failed to take corrective action, resulting in significant harm to my credit profile. 

Summary of the Issues : Inconsistent Reporting of Account Opening Date : XXXX has inaccurately reported the date on which my mortgage account was opened as XX/XX/XXXX, while another credit bureau has reported XX/XX/XXXX. This discrepancy has not been corrected despite my providing evidence of the accurate date, which is XX/XX/XXXX. 
Incorrect Date of Last Activity : XXXX has reported the date of last activity on my mortgage account as XX/XX/XXXX, while another credit bureau reports it as XX/XX/XXXX. This inconsistency affects the reporting period and, ultimately, the duration for which this account impacts my credit score. Despite my dispute, XXXX has yet to rectify this error. 
Inaccurate Payment History : The payment history reported by XXXX for the account in question is inaccurate, particularly for the months leading up to XX/XX/XXXX. The discrepancies in the payment history between the credit bureaus for this period have led to a misleading representation of my payment behavior, which is detrimental to my creditworthiness. 
Violation of Permissible Purpose Under FCRA : XXXX has reported this mortgage account without my explicit authorization, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reports may only be furnished under specific permissible purposes, none of which apply here, as I did not provide written consent for this account to be reported. 
Previous Efforts to Resolve : I have made several attempts to address these inaccuracies directly with XXXX, including providing them with supporting documentation to verify my claims. Despite these efforts, the inaccuracies remain on my credit report, and XXXX has not taken the necessary steps to correct or remove the erroneous information.
Product: Debt collection

According to 15 USC 1692 C ( c ) when a debtor refuses to pay an alleged or valid debt. The creditor must cease and desist all attempts to collect a debt.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information on my credit report in violation of METRO2 COMPLIANCE AND in violation of 15 USC 1666b ( a ). I am in the XXXX XXXXXXXX XXXX XXXX XXXX please remove and update all alleged late notations too PAID AS AGREEDED NEVER LATE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over XXXX days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been appearing on my credit report a change of address when in fact I've never changed my address. Ive spoken to the Postal Federal Police concerning these false changes and they seem to think someone is doing such on line. None the less its being reported as if i have a new address in a different state when in fact my drivers license and id currently says my location is in XXXX California. The postoffice states that someone has reversed engineered the mailbox keys from the back of the mailbox and such these entities and or enemies are hacking systems and making an attempt to steal property by changing addresses and taking property such homes cars tags registrations and credit cards. Recently someone was caught on camera using the stolen property on camera twice once at a bank and the second time at a XXXX  XXXX. Please contact officer or agent XXXX XXXX XXXX internal mail theft, or USPS postal police inspection services XXXX XXXX mail theft ask to speak to postal inspector for these individuals enemies and or entities have created counterfeit keys which is floating in our area.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX ( 17 days ago ) I wired {$6300.00} from my personal bank account and it still has not been depositted into my USD wallet. I opened a support ticket ( # XXXX ) two days after sending the funds ( on XX/XX/XXXX ) but I have yet to receive any useful information about my transfer. I have left numerous requests for update on the ticket and with no response. 

I have called the support number twice and spoken to two different reps after 20+ minute wait times. Both reps told me that they can not access this information but they will escalate the ticket to a specialist and I would be contacted back. Coincidentally, both calls ended with them hanging up on me followed by a response to my ticket stating " Sorry, we got disconnected ''. After the last call on XX/XX/XXXX, my ticket was marked as closed even though they did n't give me my money. I immediately reopened the ticket asking why it was marked as closed but I have n't received a response in 3 days now. 

Also, on XX/XX/XXXX I went back to my bank to make sure they did n't mess this up on their end. They ensured me that the money was successfully deposited into Coinbase 's bank account. They gave me the confirmation number which I included in my ticket. 

Attached to this complaint is proof of my wire transfer provided by my bank and the full transcript of my communication with Coinbase support via my open ticket.
Product: Checking or savings account

I have called capital  one  3 times requesting that my account be taken off of the hold and deleted from my record. They 're saying that they ca n't do that because of the hold. I have  XXXX  refund trying to go through, but it ca n't as it 's frozen. That refund would have covered the {$74.00} in negative balance. I have a police report attached stating that this has to be done or the criminal would have more access to it.
Product: Credit reporting or other personal consumer reports

I am disputing these accounts on my credit report due to information being inaccurate and not correct, I am requesting for validation of these debts that I have never received and for these accounts to be verified in writing to me with correct amounts and dates or to be deleted from my credit report thanks.. I will be attaching documents
Product: Debt collection

AFNI , Inc : trying to collect debts from someone who opened an XXXX XXXX XXXX acct. This account was not opened by me. Reported and disputed as fraud. Unsure the amount charged.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX - XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX - XXXX XXXX customer service representative.
Product: Checking or savings account

XXXX at XXXX I attempted to deposit 2000 cash into my account via the atm at truest bank elkin XXXX..the atm shut off as it was counting my deposit..it didn't post the deposit to my account and took my card..I called the bank right then and was told it would be resolved today XXXX called the branch to today and they didn't resolve my missing money and bank card..said they didn't know how long it would be till they knew something..this is very unprofessional when all they need to do is get the atm company to come out and retrieve my money and card..
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$440.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX  bombards you with interruptions to do their free trial.. once u sign u and dont pay thej XXXX dollars a month for stuff that should be free. you try to sign into ur account, .., it takes you to a payment page. there isnt even an optiohn to cancel its pay or no account access furthermore there are items on my report that i have been challanging and they refuse to take a look at.. i was a Victim of disasters.. hurricane in florida.. i was also a victim of XXXX  data breach.XXXX XXXX XXXX.. and several others and i am challanging authenticity of all accounts during that time as i do not regularly use credit as my file will show you. i need all negative outsanding items removed as per applicable laws.
Product: Credit reporting or other personal consumer reports

I do not have an account with your company. The information is not accurate