23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been trying to sell the home since XX/XX/year>. The Title company ( XXXX  Title ) found that XXXX XXXX XXXX ( XXXX  ) had recorded the deed of reconveyance in XX/XX/year> with the wrong instrument number and requested they re-record it with the correction information. Both XXXX and I have contacted SPS by phone several times since XXXX to get this resolved. The standard answer is that they are still researching the issue, the reconveyance department is aware and should have a response with in the next XXXX  days. I have no way to contact the reconveyance department directly and the customer service reps with XXXX  state that they have no contact information for the department other then through email.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Credit bureau 's will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : Account name : XXXX Account number : XXXX
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 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 card or prepaid card

These dates are estimatesXXXX XX/XX/XXXX : created account with American Express XXXX card for XXXX bonus points 10x points on restaurants as the sign up bonus ( SUB ) when I signed up there system was down and I had to resubmit my application. 
XX/XX/XXXX : becuase of the system down problem I called to confirm I would be receiving the XXXX points and 10x restaurants on my card as SUB, agent confirmed that and I told him to put a note in the system XX/XX/XXXX : called again to confirm and told me I only received XXXX SUB, agent understood the previous call and opened a case XX/XX/XXXX : received a letter in the mail stating that the SUB was only for XXXX not XXXX XX/XX/XXXX : called Amex agent and told me to disregard that letter sent in the mail and the case was still opened XX/XX/XXXX : called and told me case was closed and they didnt no why, they reopened cased and put priority on it. 
XX/XX/XXXX : Received letter in mail stating I would only get XXXX, called and talked for an hour to a rude supervisor who just wanted to argue. I told him to go back and listen to the original conversation ( since they are recorded ) he got all defensive and said it didnt matter what the agent said. 
XX/XX/XXXX : called again today and was told the same thing about how this could not be fixed as it was not an American express error even though it was. 

I made a post on XXXX about this and it seems to be a very common bait and switch technique that American express uses to lure in customers. If you just type in on XXXX American express bait and switch it is flooded with XXXX   about this. This is very concerning and seems like it could become a class action lawsuit. I will include screenshots of XXXX  in the photos sections. They will also not share the phone calls of the first agent I talked too unless I subpoena it.
Product: Credit card

A guy I was dating XXXX XXXX stoled my identity somehow and got this card in my name before we were married on XX/XX/XXXX. When I found out that this and other cards were in my name without my knowledge I filed for divorce immediately. XXXX other accounts were declared fraudulent. This one was not even though XXXX admitted to US Bank that he was responsible for it and was made responsible for it in our marital settlement agreement. I did not know that I was on this account. I did not sign up for this account. I have asked for proof that I signed up for this accounts in XX/XX/XXXX and XX/XX/XXXX and have not received it. It has hurt my credit my credit rating and I want it removed.
Product: Mortgage

Citizens bank is demanding a balloon payment after three months forbearance ; those of us who own XXXX   XXXX certainly haven't had normal revenue these three months. Asked to merely tack on three months to loan duration in order to stay current ; bank offers nothing but a balloon payment. 

Customer service just tells you " that's all the bank is offering '' My mortgage is {$3600.00} mth ; in forbearance currently since XX/XX/XXXX
Product: Mortgage

OCWEN LOAN SERVICING PLACED UNAUTHORIZED FLOOD INSURANCE ON MY BEHALF WITHOUT MY KNOWLEDGE AND/OR PERMISSION. THEY HAVE BEEN DOING SAME FOR FOUR YEARS. THE HAZARD INSURANCE I KNEW ABOUT BUT CONVENIENTLY NOT THE FLOOD. I DID NOT KNOW I WAS REQUIRED TO HAVE FLOOD INS. NEXT THEY ARE PRICE GOUGING. I NOW KNOWING THIS AM GETTING MY OWN FLOOD INS FOR XXXX, THEY ALREADY TOOK MY MONEY AND ESCROWED FLOOD INS. FOR XXXX. THE ONLY WAY I FOUND THEY WERE DOING THIS WAS THEY TOLD ME MY ESCROW WAS SHORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX ( Original Creditor : 11 XXXX  ) 142
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my credit report says I applied for some personal loan with Citi financial. I never did this I called company and they referred me to you guys. I left a message with you on XX/XX/XXXX. It made a hard inquiry on my credit report I have not had hard hit since XX/XX/XXXX. I want it removed or will take further action. I will wait for your response. Thank You
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, MD XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$570.00} ; XXXX  XXXX XXXX XXXX XX/XX/2022.
Product: Student loan

I 've been paying on my loan for 4 years. I just got notice that Navient is raising my payment in order to keep me on my 10 year payoff schedule. I argue that I 've been given a payment and have paid it for 4 years now, and they 're just now discovering that the payment will not pay off the loan in the 10 years as statef and I 'll have to pay XXXX more a month to pay it off. Who is doing the math? Why am I responsible for their mistake? I think they should have to write it off, it is their mistake.
Product: Checking or savings account

I signed my daughter up for a teen card through Current. It was set up to have funds debited from my checking account every 2 weeks. Once the card expired XX/XX/2021 we stopped using the card. We requested the account be closed and was advised that the request had to come from the email address we used to open the account. When we were unable to locate that information we were given other criteria so that they can locate the account. We provided that information and was advised that the account was closed and that any funds in the account would be sent back to the funding account within one of the three business days. We waited and the funds were never return also an additional transaction from my checking account was deposited to the current account I reached back out and they again said they would process the closure request the account still never closed they processed it again for a fourth time and came back and told me the account was closed. I again waited for the funds to be returned to my account which. Back out to current letting them know I never received my funds back and they told me there was no funds on the account. Sent them a screenshot of several transactions showing that funds from my checking account was deposited to the current checking account they are now telling me they are unable to locate any funds.
Product: Credit card or prepaid card

On XXXX XX/XX/19 I purchased an item off of XXXX ( amount {$570.00} ) and charged it to my Paypal credit for 6 easy payments with 12.99  % interest, but, it turned out to be the seller was a decoy seller and XXXX refunded the {$570.00}. 

Paypal credit instead of applying the refund to the original transaction, they applied the refund on my other deferred interest plan ( no interest for 6 months ). So I contacted Paypal credit ( around mid XXXX ) regarding the issue as I am being charged 12.99 % over a transaction that was refunded. They indicated they will apply the refund to the original transaction and the adjustment should reflect on my next statement. 

My statement arrived, and it NOW shows the the original amount of {$570.00} has a remaining balance of {$860.00} with the purchase amount of {$1000.00}. I contacted them for the second time around the end of XXXX and did not get a resolution. I then again contacted them for the third time on XX/XX/19 and till this date still no resolution. 

I am attaching my online statement that shows the purchase amount of {$1000.00} with the remaining balance of {$860.00}. I am also attaching my paper statement in regards with the same transaction, but the same indicated a purchase amount of {$570.00}. I also highlighted the referenced information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX Date : XX/XX/XXXX Name of Credit Bureau Street Address, City, State & Zip Code of Credit Bureau Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. Inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name :XX/XX/XXXXXXXX XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : XXXX inquired on XX/XX/XXXX Creditor Name XXXX Inquiry Date : XXXX XXXXXX/XX/XXXX inquired on XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action on this issue. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address on file : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Debt collection

This account started with XXXX XXXX XXXX XXXX  ..This company that handles im assuming that XXXX XXXX gives there bills over to ... Didn't inform me of what this was until it showed on my credit and being after the fact was bullied into pay or it will cause more negative impact to my life and my credit report and score .They also use another company associated in florida thats damaged my credibility with my credit report ... This has been addressed if both company would have just done some basic investigation into this ... Would have found that I was the renter of said car..But I gave no other person Authorization to drive this rental while I was 3000 miles away whenever this car was damaged and the person Whom was driving was in the car and was in the police report and no relationship to me gave wrong information to police when asked ... So now this company after XX/XX/2018 decided to whom can we bullie to pay up..? .. well since there's no bullying going to happen or threatening manner to me they decided to after 2 years report it to my credit report?? No this will not be put on my report years later or in the near future ... ..Its been disappointing that it needs to come to this ... ..
Product: Debt collection

XXXX XXXX, is saying that it was a collections/charge off, but I pay in full
Product: Credit card or prepaid card

I have always paid this bill using my one and only checking account through my debit card. This mounts they changed their payment policy, and bills must be paid via account and routing numbers from this same checking account. When I tried to pay online it claimed that I was entering the wrong numbers, this occurred on XX/XX/23, XX/XX/23, XX/XX/23, and today XX/XX/23. On XX/XX/23 I phoned customer service and they tried doing it manually, still it claimed that I was entering the incorrect number. I explained that I had been paying this bill using the same account throughout the entire time that I have had the account, and that the only difference was I did it through my debit card. They informed me they no longer accept debit or credit cards it had to go through using routing and account numbers. They asked me to call telecheck to see where the problem was. XXXX investigated and said that all of my information was correct and that the problem was on their end. Genesis still wouldnt accept the numbers I was giving them, even though everything on my end was correct.I have over 5 hours in trying to pay this bill. I have never had so much trouble trying to pay a bill. As a result of their incompetence they are charging me a late fee and turning me into the credit collectors. I have been working very hard to improve my credit score, and now they are destroying my 100 % on time payments on my credit report. They refused to accept any other form of payment. I dont even know what to do next. They did mention going somewhere and try to pay through moneygram, but I am currently without transportation. The issue with the checking account is 100 % on their end this has been verified by XXXX and my bank! I really dont know what to do next! I would appreciate any advice you can give me. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  see attachedXXXX  I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNT REPORTING. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : LETTER TO REMOVE INACCURATE CREDIT INFORMATION To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

Here as follows are the items in error : XXXX XXXX XX/XX/2020 Balance : {$3600.00} Account Number : XXXX I am unaware of the above-listed account. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : XXXX ). Defamation XXXX ). Negligent Enablement of Identity Fraud XXXX ). Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via thXXXX XXXX XXXX XXXX  along with an online public press release, including documentation of any potential small claims action. 

Thank you for your cooperation in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize BARCLAYS BANK DELAWARE to review my credit report. I have a extend fraud alert on my credit reports. BARCLAYS BANK DELAWARE did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Product: Mortgage

I made my mortgage payments, on time, from my other bank 's bill pay service, as I had been doing for years. The bill pay service mails out physical checks. The 2 most recent payments, for whatever reason, did not get posted. I notified the bill pay service, and they eventually credited me for the missing payments. I made payments to Bank of America from a different method, but by the time I was able to do this, it was 30 days past the due date and Bank of America reported the late payment to the credit bureaus. I provided Bank of America with proof of my on-time payments, and Bank of America does not dispute that I actually paid on time, but they refuse to correct the report because the payments did not get posted. Bank of America seems to want me to explain what happened to the missing payments, but I can only guess that they may have gotten lost in the mail, or lost by the payment processing office. These are all things out of my control. I can only control making the payments. Bank of America should not blame me for not posting the payment that I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of identity theft I have found the least help from Experian in assisting me with correcting the errors on my report including the errors they have made, and for the fourth time they have responded by saying the account has been updated yet as shown on the credit report they sent still shows the account unchanged and failed to address the identity theft issue by only responding to the partial of the dispute complaint. 

**** The Dates of your payment history still shows the same error and fraudulent errors as you can see on the recent report you have sent as been updated as the past three times but ITS NOT.
Product: Checking or savings account

On XX/XX/XXXX of this year my bank card/checking account was hacked. I immediately called the bank to dispute fraudulent charges to which they did not let two transactions process but did let others post. I have been trying for a month to get them to credit me back the {$230.00} that the fraudster used my account to pay their XXXX broadband bill and SoFi will not give me any reason why they denied crediting my account. I have called and called and sent emails. I even emailed vyve to see if they could help me but they have not been able to because I dont have the account number of the persons account that was paid. I sent them transaction numbers but I have not heard from them besides me calling was he first they had heard of the fraud. The initially credit it and then turned right around and debit it without any reason. I objected to the denial and a few days later they emailed me that unless I have new information the claim was still denied. They know my account was hacked. I denied all fraudulent claims the same day it happened and I was told it would all be taken care of. I spoke to one of the other companies that my card was used fraudulently and the bank had not even reached out to them at all. I have never had my account hacked before. This is a first so its not like they have ever dealt with me on anything like this before.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's stressing me out and those negative items are already old but still reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention Self-Financial , Inc. is reporting certain payments as late : Account # XXXX : Self-Financial, Inc. reports to the 3 major credit bureaus as 30 & 60 days late in XX/XX/2020 & XXXX. 

Account # XXXX : Self-Financial , Inc. reports to the 3 major credit bureaus as 30 days late in XX/XX/2020. 

According to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), the following should be excluded from any consumer report : The report containing information solely as to transactions or experiences between the consumer ( myself ) and the person ( any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ) making the report.