23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Homeowner Insurance Company mailed the check to repair my roof and ceilings to my Mortgage company Ocwen Loan Servicing LLC. The Check was mailed to me from Ocwen to endorse so they could send the funds to me so I could replace the roof on my home and repair my water damaged ceilings. Prior to me sending the check by XXXX I called Ocwen claims dept and was told to submit a letter stating I was requesting private repair to replace my roof and repair the ceilings. I have not received the check as of XXXX. 2017 I called Ocwen today and I was told by XXXX XXXX XXXX, with Ocwen Executive resolutions that since I was delinquent on my mortgage and Ocwen was processing my mortgage modification request Ocwen will not send me the Insurance check to repair my home and I would have to have a License Contractor for them to send the check for me to repair my home. I 've spoken with the persons whom I want to fix my house and they are ready to do the repairs. 
I feel Ocwen is discriminating against me, my neighbors also has Ocwen as their servicer and they had claims and they allowed them to pick who repaired there houses and they too were in processing with Ocwen for mortgage modification.
Product: Credit card or prepaid card

On my Uber Barclay credit card I had a lot of rewards sitting in the rewards center. Specifically {$420.00}. I'll pass over the fact that I'm XXXX about how the rewards were cash back but then they said I could only use them on Uber ... so that's the reason so much money was sitting in the rewards. On XX/XX/2020, somehow, all the rewards were redeemed to an unknown account : all my {$420.00} in rewards were stolen/fraudulently taken. I reached out to Barclay to solve the issue but they said since the money is in the reward section and has already been pulled out by Uber this is a problem I have to solve with Uber. With Uber, they are slow walking the issue and coming to no solutions and even being very rude to my persistence in finding a solution. It's been months and heard about this more official complaint channel so I'm going to give this a try. Uber recently said they would give me the {$420.00} back but they have yet to give it back and won't respond to me in anyway. Won't call back. Keeps closing the chats I create.
Product: Debt collection

I spoke with an agent by the name of XXXX after being transferred from billing to the collectinos department. To start from the beginning I had XXXX estimated from around XX/XX/XXXX to XX/XX/XXXX. I was given equiptment by XXXX  but when i got into my apartment i noticed that there was equiptment in the living room closet. After having issues setting up my equiptment a XXXX  tech came, took my equiptment and left the equiptment from the aparmtnets. I called to get on record that my equiptment was taken and that i am using the apartments equptment so to remove mine from my account. I was told that I still had to pay a rental fee for using the apartments equptment. I asked to have it notated and it was done. Fast forward to me moving out XX/XX/XXXX sometime after i get a collections notice owing over {$300.00}. I called XXXX was informed that I was XXXX being charged for the equptment that I never returned. After reuesting a full investigation around {$300.00} was removed from my bill leaving me with an outstanding balance of {$77.00}. I AM NOT DISPUTING THIS, which is what I was trying to get XXXX to understand. What i am disputing was the fact that my account was sent to collections wronfully. Without getting into the credit reporting consumer laws as I do not have enough space I was not notified of this dept and I was sent to the collections agency incorrectly. After the investigation this should have been removed from collections, I should hav received a new bill of the new balance giving me the oppotunity to pay XXXX. Now the balance on my collection account has changed from around {$300.00} to now {$96.00}. XXXX informed me that this was a collection agency fee that they charge to the consumer after saying all that I owe is {$77.00}. She also informed me that any issues with the account in collections I will need to call the agency. I have no problem paying the {$77.00} as long as i get a bill. XXXX tried to transfer me back to billing to dispute my bill. I informed her I am not disputing my bill and that my request is to review the original discreprancy and error identified from XXXX and made by XXXX, the removal of my account from collections and to send me a bill as promised by the agent prior to me speaking with her. She continues to ask me to call billng and the collections agency. I declined and ask to speak with a SUP multiple times as she continued to inform me that the SUP would only be able to provide me with the information that she has already provided me. I informed her that I did not feel like she was explaining my request properly to the SUP as she kept saying that i wias disputing my bill. She said I could not speak with a SUP and declined to transfer me to XXXX. I have never heard of being declined to speak with SUP in customer service even when I worked in billing. I would like for someone to review my request. Remove my account from collections and to send me the proper bill via Email or address on file AND I WILL PAY MY BALANCE OF {$77.00} IMMEDIATELY. I have worked in customer service for many years and I have never been denied a supervisor.
Product: Credit reporting

I disputed a 30 day late pay on XXXX. It is being reported XXXX 2010- I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, shortly after receiving my permanent residency, I went to a Chase branch in XXXX, XXXX, with my wife to be added to her exisiting checking account and also applied for a Chase Freedom Credit Card. 

At that time, I was approved for a freedom credit card. The card was sent to my home and I activated it. However, when adding me to my wife 's account, the banker at the branch input incorrectly my details ( birthday and social security number ), and consequently this resulted in the bank account being frozen a few days later for a number of days. Sadly, even after the details were corrected by the branch manager, and my documents approved in person, I was informed by Chase that they will " no longer have any relationship '' with me, which led to a cancellation of my freedom credit card, just 4 days after it was activated, as well as not being able to join my wifes accounts. 

It is worth noting that Chase would not disclose any information or give me any explanation as to why they decided not to have any relationship with me, and I am not aware of anything I did wrong, only know that the mistake that occured was by a Chase XXXX. It is important to note that I never used the credit card. 

As somebody who has just immigrated to the XXXX, I do not have a credit score, and therefore am obviously in a much more sensitive position than the average person. Due to this situation a credit inquiry was made with the credit bureau. This can potentially create an unfavourable outcome to me with any future applications and affect my credit score. 

Given I was not able to use the card for an issue that was out of my control and was not related to my card application, I have asked Chase to remove this inquiry from my credit report. However, Chase refused. I have tried to dispute this decision by contacting them on multiple phone calls and also sent them a letter in the mail to explain the situation, but they refused. 

Just to clarify, if I had known that the credit card application could be affected by the mistake the XXXX made on another Chase application I would not have applied in the first place. That information was never discussed with me and the banker processed both applications for the credit card and adding me to the checking account at the same time. 

In conclusion, a mistake made by the banker ( her putting the wrong birthday and ssn ) to an existing Chase account of my wifes led to a decision made by Chase to stop their relationship with me without giving any reasons, which then caused the credit card I was just approved for to be canceled, affecting my credit report and lowering my chances to successfully build a decent credit score in the XXXX. Finally, I would like to add that since this issue has been dragged on for so long, my credit score has fallen down further due to inactivity.
Product: Checking or savings account

I processed an ACH transfer through XXXX XXXX online platform from my XXXX savings account to a linked account at another bank. XXXX XXXX did not process the transaction and put my account on hold claiming a fraudulent transaction. I have called repeatedly and confirmed with XXXX XXXX that it was an authorized transaction. They have not re established access to my account, and will not provide a resolution date. Or provide any other resolution.
Product: Checking or savings account

On XX/XX/2017 I paid XXXX to XXXX accidentally. I immediately called both chase and XXXX card service and they both said the money would automatically bounce back into my account. This has NOT happened. The transaction ID is XXXX. XXXX card services has already investigated this through the consumer financial protection bureau and says that chase is the one who should issue the credit. The initial consumer financial protection bureau is number is XXXX. Please resolve.
Product: Mortgage

My identity and a mortgage scam have caused my house to be to foreclosed and possible eviction looms over me. From XXXX till XXXX XXXX I have been a victim of a predatory loan and {$52000.00} dollars to be paid to my bank HSBC and XXXX was stolen in a mortgage scam by people who said they were attorneys for the XXXX program. My original loan in XXXX I put {$6000.00} in escrow for my septic title XXXX is gone the bank, the attorney for bank do not know where it is ... ..its just disappeared but no work ever done! At closing no inspection was done and house has serious issues. XXXX informed me my personal information has been compromised I am a XXXX year employee of XXXX. I have filed paperwork with the XXXX of both XXXX XXXX and XXXX, the XXXX police and federal trade commission and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have receipts from all XXXX deposits I made to XXXX Mergers for payments for my mortgage to XXXX. Also wire trannsfers to XXXX bank XXXX .my wife is also XXXX retired postal worker. If there is anything you need. Please feel free to contact me at XXXX name is XXXX XXXX XXXX Also they hacked into my email and I was forced to change my email but it is XXXXXXXXXXXX thank you sincerely for any help you can provide and from XXXX XXXX till XXXX XXXX I did try to get a loan modification and assistance from HSBC and XXXX to right the ship but my house was upside down ... ... I tried everything to keep my house but due to the the identity theft my life has been turned upside down ... .i need your help, guidance and assistance thank you
Product: Debt collection

Commonwealth Financial sent a letter stated i owe {$820.00} i have a letter from commonwealth from XX/XX/2018 stated this is paid in full.
Product: Vehicle loan or lease

I had previously filed a complaint against Flagship Credit Acceptance. For issues in struggling due to Covid-19 pandemic. We were reached by a representative two days after we filed our first complaint, in which we made an agreement to make a payment. We agreed to make a payment on XX/XX/2020 in the amount of {$440.00} and then we would make another payment on XX/XX/2020 in the amount of {$440.00}. 

I did have to delay the XX/XX/2020 payment because unfortunately I started having the symptoms of Covid-19. I was tested on XX/XX/2020 and came back positive for Covid-19 on XX/XX/2020. I was required to quarantine for a period of time, as required by our local CDC. I did, contact Flagship to let them know about it and told them, unfortunately, I wouldn't be able to make the second payment. They did put in for the Covid-19 relief, which they deferred one month. Then we promptly set up a new payment arrangement date for the second amount of {$440.00} to be paid on XX/XX/2020, as I didn't get to even go back to work until XX/XX/2020, because of my quarantine time. ( If paperwork is needed to show proof I can submit that in addition ). 

However, even though we had a new payment arrangement agreed upon. Flagship Credit Acceptance has been calling family members listed as reference on my application asking them for payment on my account. They contacted my mothers phone number on XXXX XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. Harassing her for payment on the account, even though they have my phone number to contact me directly. At this point, it is becoming unbearable of their account representatives making harassing phone calls to obtain payment, even though we have an agreed payment date for the account situation. 
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Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am XXXX XXXX XXXX XXXX, and XXXXm submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. 
BRIDGECREST : Account number : XXXX - This account has not been investigated by the bureaus. I have already sent several letters, but it still states 'Account not disputed. Please remove this account due to the lack of investigation. '' XXXX XXXXXXXX : Account number : XXXX, Please remove this account due to inaccurate reporting. The payment history shows late remarks on a charge-off account, the payment status is listed as 'Unknown, ' and the account rating differs across bureaus, with XXXX showing 'Paid ' while XXXX lists it as 'Derogatory. 

XXXX XXXX : Account number : XXXX, This account has not been investigated by the bureaus. I have already sent several letters, but it still states 'Account not disputed. Please remove this account due to the lack of investigation. ". 
This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Student loan

I recently received a letter from Financial Asset Management Systems Inc in regards to a private student loans with XXXX XXXX. I am recently dealing with collection calls everyday where they are stating they are trying to collect a debt on a student loan. I recently contacted Department XXXX who looked up all student loans under my social security number. Department XXXX did not inform me of this so call XXXX loan with XXXX XXXX. Im in need of some assistant because this particular debt collector is telling me I owe them {$11.00}, XXXX which {$2700.00} are fees.
Product: Credit card or prepaid card

In early XXXX, I applied for the " Amazon Rewards Visa Signature Card '' through Chase/Amazon . I applied as a non-prime member, so the sign-on bonus was a {$60.00} amazon gift card. Soon after this application was submitted on my end, I became a prime member and was thus eligible for the {$150.00} welcome bonus on the " Amazon PRIME Rewards Visa Signature Card ''. On XX/XX/222, I contacted Chase to give them more details on my original Amazon Rewards Visa application. During this application process, I did tell them that I was now a prime member. On XX/XX/XXXX, I received an email that the application was submitted for the Amazon Rewards Visa and that I was given my {$60.00} gift card. Upon looking at my Amazon and Chase accounts, the Amazon Rewards Visa was not present, but the Amazon PRIME Rewards Visa was. Since I did not apply for the Prime Rewards Visa, I contacted Chase to explain that I did not apply for the Prime Rewards Visa, and that if they submitted my application for that card instead of the Amazon Rewards Visa, then I should be given the {$150.00} welcome bonus instead of the {$60.00}. The rep and a supervisor insisted that I did apply for the Amazon Rewards Visa, and not the Prime Rewards, but still am uneligible for the {$150.00} bonus. After this, no further action was done on my end. On XX/XX/XXXX, I received an email congratulating me on my Prime Rewards Card. On XX/XX/XXXX I checked my mail to see I had received BOTH cards. 

I see two scenarios that should have occurred. A ) I applied for the Amazon Rewards Card and should have received it and the {$60.00} or B ) My application would have been automatically " upgraded '' to prime since I became a prime member, and I should have received a Prime Rewards Card. Instead, somehow I got both cards without my permission and received the lower of the two welcome offers.

In the end, if I am an Amazon Prime member, I should receive the full benefits of the Prime Rewards Card including the welcome offer. I NEVER submitted two applications, and I never consented to an upgrade.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I attempted to get a free credit report from TransUnion only to be charged {$27.00}. I was able to get a refund. I saw an article about it happening to others and wanted to report it
Product: Mortgage

On XX/XX/XXXX I paid an escrow shortage of {$2100.00} that was assessed. I then received a notification of ANOTHER shortage in the amount of {$4900.00} on XX/XX/XXXX. When reaching out to the company it took me many phone calls before I did my own investigation and found out that the mortgage company had paid our property taxes twice, the amount was {$5100.00}. I pointed this out to the company who eventually received a refund from the city in XXXX of XXXX. The mortgage company issued a refund of {$600.00} to us a few days later on XX/XX/XXXX. I reached out to them at that point to receive a complete financial document that showed all credits and debits into the account as I don't believe the refund is sufficient, or want to see an explanation of why so much of my initial repayment of the shortage was kept when they had overpaid such a large amount in taxes that was returned to them and therefore into the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Care credit card closed my account based on XXXX reporting. Old accounts are not being waived. Student loan accounts are triple reported and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with American Express - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


American Express - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC report, a copy of the NPD report showing my information being exposed in a national data breach, and a validation of debt letter.
Product: Credit card or prepaid card

PENTAGON-BANKCARD IS OPENED FRAUDULENTLY, IHAVE ASKED XXXX   NUMEROUS TIME TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has failed to report the deficiency balance on this voluntary surrender. The balance that is reporting is incorrect. they have also failed to report the original balance or high credit. The date of first delinquency has also not been told to me or verified, as I believe the date of last payment has been changed to affect the statute of limitation and reporting date. This company has also failed to report that this account is in dispute. I have attached a copy of the credit reporting to this complaint.