23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX AND XXXX / XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX / XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX  ( Original Creditor : IXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}
Product: Debt collection

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account. 
Remove any charges on the unauthorized account, remove my information from the creditors & collection agency 's database. 
Take steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Mortgage

My mortgage is held by FirstBank. The loan servicing company for this mortgage changed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX, I received an escrow account disclosure statement indicating an anticipated escrow shortfall of roughly {$2100.00}, and a monthly mortgage payment increase of about {$500.00}. I had already paid an estimated shortfall of {$870.00} on XX/XX/XXXX. After reviewing the disclosure statement, it appeared to me that a tax payment of roughly {$4200.00} made on XX/XX/XXXX was not taken into account in the escrow calculation. I called the company and spoke with a representative, who essentially read the escrow statement back to me and seemed to be unable/unwilling to understand my concern. I filed an online inquiry and received an acknowledgement on XX/XX/XXXX saying the matter was complex and the company needs more time to resolve it. I have made 2 inquiries since then, and received the same letter back ( XX/XX/XXXX and XX/XX/XXXX ). I continue to pay the extra {$500.00} per month on my mortgage payment and FirstBank/XXXX  have yet to resolve the issue. I would appreciate any help I can get from the CFPB in resolving this issue. Thank you!
Product: Vehicle loan or lease

My car was repo at the last minute while I was paying to get it caught it to current. This American credit acceptance knew about the job change, XXXX, and just recently my grandma passing. I have lost hours at work due to this. All my property was in the car my laundry, my account cards, my shoes, my medicines, license, and knitting stuff. I didnt know about the default until they took my car. They advertise that they help customers keep their car. How is the helping?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : XXXX XXXX : XXXX asked for my phone number : XXXX : cashier located my account W/O my physical card present. I informed cashier of NAME CHANGE, ADDRESS CHANGE. Her XXXX said when the bill generates and forwards to you-make the changes and submit w/ payment. 

XX/XX/2021 : Never received statement via mail as expected. FOUND copy of XXXX XXXX XXXX  ( I DON'T have my card anymore ). Called Customer service : XXXX. Informed : NAME CHANGE, ADDRESS CHANGE. Representative asked if name change was due to Marriage/Divorce? Answered, " XXXX ''. Are you still with XXXX XXXX XXXX? " NO ''. My last name was, and I'm in a different state. 

Same day, XX/XX/XXXX, I paid over {$200.00} ( XXXX {$100.00} ). 

Letter dated XX/XX/XXXX, XXXX XXXX VIA COMENITY BANK : We can not send you replacement card. " I NEVER ASKED FOR REPLACEMENT ) And your account is CLOSED '' That's unbelievable. And reported to all XXXX credit bureaus. Score dropped ; XXXX points. 

Since I have other STORE credit cards, without the physical cards, due to lack of use- like XXXX, wrong name, wrong address, wrong phone number, I guess Comenity Bank will handle by closing these accounts as well. 

I'm the one that reached out, called, Comenity Bank updating out dated information on me, and they used the information to discredit me. I guess divorce and change of workplace is cause for irrational RUSH TO JUDGEMENT,
Product: Debt collection

On XX/XX/2018, Conns home appliance called Mr. XXXX XXXX XXXX on his personal cell phone which is XXXX. The debt being collected belongs to XXXX XXXX, his ex wife of 8 years. The initial contract signed with Conns, which I do have a copy of, no where lists Mr. XXXX responsible for this debt. I asked representative how hisnumber was obtained and it seems they XXXX Mr. XXXX name. This exceeds the limits of debt collection. I have no problem with Conns contacting me the debtor or any one listed for contact. They are however will be held legally responsible for calling someone that is totally not obligated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I sent XXXX Experian, and XXXX 2 letters asking them to update my personal information and they still haven't updated my address and name nor replied back to me. I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is my only name and my only address. I have uploaded my Identity theft Report to this complaint today as well.
Product: Prepaid card

about XX/XX/year>, I filed disputes on unauthorized charges on American Express Serve Debit account that receives two Government Deposits ; in total there are more than seven disputes with the necessary documents needed to solve the transactions that were made through access to other outside accounts and possibly internally. The activity as shown of transactions that were not authorized and missing or diverted deposits which remains unsolved. As part of a serious case of identity theft, breach of information, and unauthorized access to devices ; the compromise of loss funds remains difficult to settle with the financial institution.
Product: Credit card

On XXXX XXXX, 2015 I applied for a Goodyear Credit Card at a Goodyear service center and purchased tires. I began to fill out the paper app and was told to just wait and the sales rep would do it on the computer instead. I watched him and checked over the printed information after he was done. I have my multiple copies of my invoice which show my correct bill to street address which is what he used for my credit card application. 

I did not receive anything in the mail, and assumed it would be a few days extra due to the holidays and new year. 

On the morning of XXXX XXXX I called the contact number I found online because I had not received a card or any information yet. I was told that the address they had was incorrect ( missing apartment number ) and the original card was not returned to them and they would promptly send out a new card with a new number. At that time I made a {$200.00} payment over the phone because the payment was due on XXXX XXXX. 

Last week ( I believe the XXXX ) I got a phone call saying that i needed to make a payment on the Goodyear card. I told the female representative that I called on the XXXX and made a payment, and the representative said " oh I see that now, sorry for the inconvenience '' and hung up. 

I got a call this morning ( XXXX XXXX ) from another rep saying that I still had not made a payment. This time she informed me that the first payment was in the computer but they must have put in the wrong information and it was not processed. I made ANOTHER attempt at an over the phone payment this morning of {$200.00}. 

I FINALLY received my credit card the afternoon of XXXX XXXX. I was able to then access my online account and saw that I was penalized with a late fee of {$27.00}. I utilized the chat feature of the website and connected with a representative named " XXXX '' at XXXX ET. After speaking to him and him telling me that it was a late fee because they did not receive payment and that there are two " attempts '' at a payment on the account, I advised him of what happened and asked when the late charge would be removed and and he stopped responding. After 25 minutes of inactivity I closed the chat window.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FCRA credit reporting agencies must report accurate information at all times. Experian is inaccurately reporting 3 accounts as 30 days past due : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX while XXXX and XXXX are reporting the same exact account with the Payment Status : Paid or paying as agreed. Please update this inaccurate information " PAID/PAID AS AGREED '' if you are not able to update this information, please provide me with validation that this account has been late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX for a credit card XX/XX/XXXX never applied. 
XXXX XXXX XXXX XX/XX/XXXX Do not know what this is foXXXX XXXX XXXX XXXX I'm XXXX a credit card XX/XX/XXXX XXXX XXXXXX/XX/XXXX Never applied XXXX XXXX  trust XX/XX/XXXX Never applied XXXX XXXX  XX/XX/XXXX Never applied The State of Louisiana notified me that my information was stolen from the database I have never applied to any of these companies. this is affecting my score badly.
Product: Debt collection

Diversified Consultants Inc has reported a collection account to my credit report. I have disputed it and they have verifed the debt to the credit bureau. They have failed to provide any physical documentation to prove this debt or that they even have the right to collect for this debt.
Product: Credit card

My husband and I were getting an amicable divorce and we were both working at closing joint accounts. He called to close the Chase Sapphire Care but it turned out I had opened it so he could not close it. This action was turned into a security breach and from then on I tried but could not close the card. I explained the situation but no one would believe me and kept stalling me. I received a letter from Chase dated XXXX XXXX referring to a request for a copy of the statement. There had been no request for this. Finally, on XXXX XXXX I reached someone who could close the account. At that point I realized that there had been a {$3100.00} credit remaining. The agent who helped me said she would send me a check for that amount. I called several times to ask about the check and finally on XX/XX/XXXX after speaking to XXXX people I was told that " the check was in the mail. '' It could take up to 7 days to receive the check. Along the way I had visited the Chase Bank down the street and was told that the account was inactive and I should leave it that way. The divorce had just become final and I forgot about the {$3100.00} in the account. After 22 years of credit cards with Chase or earlier owners of the card I really expected better service. When I asked for the check to be expedited it was refused. My husband and I opened separate Chase cards but now I am sorry I did. Your customer service is usually substandard and it takes several transfers to get the right person. It is XXXX XXXX and I still have not received my refund. I think Chase should at least give us something to make up for the long delay and the poor service we experienced. When you lose your card the response is immediate but returning customer 's money and especially clearing up " security breaches '' is very slow. The last purchase on this statement was XX/XX/XXXX and the balance was paid on time perhaps before the refund of {$3100.00} was received. We have used our Chase card for everything for all this time and were loyal customers.
Product: Mortgage

The attached PDF is a complete history, summary of current state and each hour and date that passes is greatly hurting me.
Product: Mortgage

I am working with XXXX ( XXXX XXXX XXXX XXXX ) which has approved me to cover all back mortgage payments and bring my account current. In order to do so, my mortgage company ( 21st Mortgage Corporation ) needs to respond to their request for information. This outreach has occurred via fax and email, multiple attempts over the past months ( since XX/XX/XXXX ). 

When I contact 21st Mortgage directly, they state that outreach has not occurred, and will not provide direct contact information for where future outreach can be sent. Additionally, I am working with Vermont Legal Aid, who is able to help facilitate if a name of an individual or attorney who is managing the account is provided, but again, the company will not disclose this information. 

This would allow me to bring the account current, however as 21st Mortgage is not responding to outreach to anyone other than myself, despite having the appropriate permissions in place, I am unable to access the support that I am entitled to.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I have personally contacted Equifax, XXXX , & XXXX credit bureau through phone, online, and certified mail. It has been 5 long months. Neither bureau can answer or explain the process that is taken to verify an account. I honestly admitted several times that I am unaware of the accounts Ive disputed but its becomjng more of a problem where I must take matters into my hands and contact my lawyer. We will be seeking legal matters. I have every right as a consumer because you have broken several FCRA laws. Section 609, 605, and others but I want to get to bottom line of this. For the final attempt, what is the verification process? If you cant answer and prove the steps and process correctly by law you must remove the accounts that Im disputing. I have given you sometime to fix your errors but you insisted on being egotistic, and now you must pay the consequences for your actions in the courtroom. I have all evidence of the certified mail, phone calls that were recorded. I have my evidence and Im ready to take this to court and publish online about your company about the credit breach, you leaking my information, placing errors on my credit file, false information, not 100 % accurately verifying credit accounts & accusing consumers. I have contacted the creditors as well and this seems to be problem none are responding and are taking this situation as a joke which displays unprofessionalism total disrespect. Well see who gets the last laugh.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this is on there twice ) XXXX XXXX XXXX XXXX XXXX ( Equifax ) COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After already receiving confirmation that my mortgage payment for the month was made & without penalty, I received a threatening notice that " my payment was late '' & that " it still needed to be made ''. This is the same harassing contraction that I had to go through last month with the same mortgage company ( Caliber Home Loans ). For a monthly mortgage payment of {$1700.00}, THIS KIND OF UNPROFESSIONALISM NEEDS TO STOP! The unnecessary stress it is causing is compromising my ability to relax in my personal life.
Product: Vehicle loan or lease

Horrible Customer service. Account number on my billing statement was not correct. I waited XXXX minute to get a not accurate payoff amount.
Product: Mortgage

Ocwen took over my XXXX mortgage from GMAC ( for reasons unknown to me ). When they did, my payments went from {$160.00} to {$940.00}. When I tried to get information on why this happened, Ocwen refused to explain and told me to " pay my bill ''. I have been struggling with communication with this company. I know that according the the California Homeowner 's Bill of Rights I have the right to a single point of contact that has decision-making authority of my account. Although they have technically appointed me a " relationship manager '', this person is never available when I call. I get transferred to another " relationship manager '' who does not have the ability to make decisions on my account. Furthermore, whenever I submit all the paperwork necessary for a loan modification, they either 1 ) lose my paperwork ( the first time I faxed it and they claimed to have never received it ) or 2 ) Claim to be missing paperwork ( even though I have proof that I emailed it ). I have paid this company XXXX % of what I owe in a lump sum and they are still claiming that they are going to foreclose on my house in a week ( even though I am current on my first mortgage with another company ). They have not sent me an updated statement even though the loan has been reinstated. Instead, I received a letter that says they simply postponed the foreclosure. 

They also claim that their hours are " Mon-Fri XXXX-XXXX, Sat XXXX-XXXX, Sun XXXX-XXXX ET ''. However, when I have called on the weekends AFTER making a payment of over {$28000.00}, their offices are closed. I can no longer reach them during their weekend hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have settled agreements with the companies. 

All the XXXX accounts have been settled. 

The discover account has an agreement and payments are being made.
Product: Bank account or service

On XXXX XXXX, 2015 around XXXX, I went to the bank CHASE with branch in XXXX XXXX XXXX NJ, with my daughter to deposit {$200.00} dollars in cash. The bills I deposited were XXXX XXXX XXXX {$100.00} bills -each. After I deposited the money, the ATM machine malfunction and told me it was having technical difficulties, and it printed a receipt saying " that the ATM was having technical difficulties ''. After we stayed outside of the bank for XXXX minutes wishing that the money will come out, it never did and that 's when I called the claims department and they told me that this was going to take about 10 days for them to investigate the irregularity. I provided them with my email address and mailing address to receive news about my money, which I did n't receive any notification, until I called after the 10 days on XXXX XXXX, 2015. The customer service representative that I called informed me that there was nothing I could do since the claim was already closed and the investigation concluded that no money was found in the ATM. I tried opening a XXXX claim to find out what happened to the money I deposited in the ATM, but the Chase customer service representative did not allow me to, saying that there was nothing I could do anymore. I then went back to the XXXX XXXX CHASE branch on XXXX XXXX, 2015, to speak with the branch manager about my situation but he was not there, so I came back on XXXX 2015 to speak with him with the help of my daughter who was with me on the day I deposited the money and my son. The branch manager told me that he was going to follow procedure but most likely the result would be the same that my money would not be found. 
I did mentioned that it came to my attention thanks to a CHASE bank taller that the ATM machine I used on that day malfunctions constantly and the bank has not done anything to replace such machine. I am very upset that in order for CHASE to check security surveillance and other possible ways of find out the truth, they refuse to use those ways. I am hopeless to get my money as I live paycheck by paycheck and I have bills to pay, I lost XXXX XXXX dollars and CHASE is responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's information being reported is delayed and inaccurate on myself. The other 2 reporting agencies are within 30 points of each other and equifax is more the 90 points off. When calling them to inform them their information is false, they changed subjects, offered no course of action to update personal information, and they take more than 60 days to update any information. I have been improving my credit reports for the past 60 days, and equifax keeps dropping my score. They have no current information on myself other than an address and delinquent accounts. Any positive information is not carrying any weight to change for improvement. 

Equifax should not be so far off it prevents any individual from receiving services from any organization.