23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to request your assistance in resolving a longstanding issue regarding a second mortgage on my property located at XXXX XXXX XXXX, XXXX, MA, which has caused me significant harm and is now severely limiting my ability to purchase my next home. 

In XXXX, I purchased my home with both a first and second mortgage. During the financial crisis, I successfully modified my first mortgage with Ocwen Financial Corporation, but I have not received any statements, invoices, or demands for payment on the second mortgage in over a decade. Despite multiple attempts to obtain information from Ocwen, I have been unable to determine the status of the second mortgage, and Ocwen has not acknowledged the debt in their system. 

This situation has placed me in a difficult position, as I am now in the process of selling my home and purchasing a new one. However, without resolution of this second mortgage, I am unable to move forward with my purchase. The uncertainty around this mortgage has not only delayed my plans but has caused significant emotional and financial stress. 

I have attached all the documents I have been able to obtain regarding this matter for your review. I would greatly appreciate any guidance or support your office can provide to help resolve this issue, as it is deeply impacting my ability to move forward with the sale of my current home and the purchase of my next home. 

Thank you for your attention to this matter, and I look forward to hearing from you soon.
Product: Debt collection

I contacted XXXX today XX/XX/13 asking about the debt that I wasnt aware of and they checked all my info in their system and they said it is indeed fraud and to dispute it
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/year> There are no on time payments from XX/XX/year> to XX/XX/year>. This is inaccurate payment history reporting. I should have active payments XX/XX/year> to XX/XX/year> this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Experien failed to investigate this account properly after! repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is about Claim # XXXX which BoA denied. {$2500.00} was sent erroneously to a " XXXX '' on XX/XX/2022 and I've been told that the bank can't help me. This transaction was covered under Reg E so I should be compensated if the bank can't recover the funds.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15USC 1681 section 602 states i have the right to privacy 15 USC 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XX/XX/XXXX XXXX CREDIT ACCEPTANCE Auto Financing XX/XX/XXXX Experian XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX New XX/XX/XXXX Experian 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Consumer Loan

I was nearing the end of my first vehicle lease and went to XXXX XXXX XXXX to discuss my lease end options. The car had some obvious cosmetic damages that I pointed out to the sales representative. After speaking with the sales representative, he assured me that leasing another vehicle was my best option in order to avoid having to pay for excess wear and tear on the previous vehicle, so that 's what I did. 4 months into my new lease I got a bill from VW credit for all of the damages on the old car, over $ XXXX. I was sure that there as some mistake and went to the dealership. While there we reviewed my contract together and the lease termination was processed as a turn in, instead of a trade in, thus leaving me financially responsible for both cars. They denied ever telling me that I would n't have to pay for the damage on the car and since leaving there I have been unable to get a hold of the XXXX, they have been incredible non-responsive. I have filed a complaint through VW, the debt is now with collections and I do n't have the money to pay it. For someone without money for a down payment, or to buy the old car, it would make XXXX fiscal sense for me to lease a new car. The option that I thought that I was taking was the only way for me to pay nothing out of pocket. VW offered to make my final payments on my old car, and my first payment on my new car, and nothing down. It was the only way for me to not spend any money in the transition. At the least, I would have had the car inspected and opted to fix it myself through a certified mechanic friend before returning it to VW because it is common knowledge that the most expensive repairs are through the dealership. All of this was in XXXX of 2014.
Product: Credit card or prepaid card

Bank of America processed a fraudulent charge using my credit card for {$18000.00} on XX/XX/XXXX. Bank of America ( BOA ) sent a text alert denying fraudulent purchase but ended up processing the transaction without notice. Filed a fraud claim with BOA on XX/XX/XXXX. Received a letter from BOA dated XX/XX/XXXX notifying me of a credit for the fraudulent purchase. Received a letter from BOA on XX/XX/XXXX denying my claim and the credit was reversed. Filed a Police Report with XXXX XXXX on XX/XX/XXXX. Sent letter to XXXX XXXX on XX/XX/XXXX with no response. Filed ID Theft Report with FTC on XX/XX/XXXX. Sent letter to BOA on XX/XX/XXXX with copies of Police Report, ID Theft Report with copy of Notice of Furnishers of Information from FCRA. BOA reopened fraud claim. Received XXXX Proof of Delivery ( POD ) from XXXX XXXX on XX/XX/XXXX showing Bogus Shipping Address. Received claim denial letter from BOA on XX/XX/XXXX. Received BOA letter dated XX/XX/XXXX on XX/XX/XXXX asking for affidavit denying purchase. Sent signed BOA affidavit on XX/XX/XXXX. BOA Fraudulent claim reopened. BOA reopened case and continues to deny the claim. Retrieved XXXX POD from website on XX/XX/XXXX showing discrepancies in comparison with POD from XXXX XXXX. Sent letter to BOA on XXXX showing shipping discrepancies. Spoke to XXXX Customer Service on several occasions. In particular spoke to XXXX XXXX on XX/XX/XXXX. Received call from shipper name of XXXX XXXX on XX/XX/XXXX at XXXX to redirect package. Shipper setup BOGUS return address. XXXX driver called XXXX agent for undeliverable package. Agent redirected package to XXXX MD. Email received from XXXX XXXX XXXX Account Manager, XXXX XXXX on XX/XX/XXXX to redirect package. XXXX XXXX filed a lost package claim with XXXX claim # : XXXX. XXXX XXXX with XXXX assigned to the claim. XXXX processed the Lost Package Claim acknowledging their error. The {$18000.00} charge remains on my Credit Card and continues to accrue interest. I have three different XXXX POD 's with several discrepancies. Sent letter to BOA on XX/XX/XXXX with documentation of discrepancies. BOA continues to deny the fraudulent purchase claim.
Product: Credit reporting or other personal consumer reports

hi, i was a victim of identity theft and some one open credit cards and bank accounts with my information I reported to the police and got a report it has ben frustrating seeing this fraudulent accounts on my credit and having to dispute them with the credit bureaus several times in till there removed from my report but there's some accounts even sending all the supporting documents there still come back as accurate I don't know why this banks don't want to removed them even with all the proof in the paper work that the accounts are fraudulent, they have diferent address and phone number like this one. 
XXXX XXXXXXXX XXXX ACCOUNT # XXXX BALANCE -- XXXX. 
I need this account remove from my report as soon as possible. 
thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please correct my personal information, including the generational designation XXXX. I don't know why XXXX never added XXXX or why Equifax and XXXX removed it. This is how files get mixed up or merged!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are reporting incorrect status information. I was never late on my XXXX - 30 days in 2019 on XXXX, Experian, and XXXX. 

I was never 30 or 60 days late with XXXX XXXX on XXXX and Experian. 

There are unauthorized inquiries reporting on my credit report : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE
Product: Debt collection

This account was already paid as agreed and agreed to close the account and remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed this info with the CRA 's and they were required to # 1 put the notice of dispute within 30 days of receiving my 1st dispute which they did n't and # 2 the info on my credit report is required to be accurate and complete. Each of the accounts that I have disputed are now missing the original amount.
All 3 CRA 's are stating these items have been verified but I can see that none of them have the notice of dispute like I mentioned and I 've seen that none of them have have the original amount as required. In addition, where 's the proof that any investigation was done?
Product: Mortgage

I have explain to SPS millions of time that the XXXX XXXX is covered by my association. And every year, SPS charges me for XXXX XXXX cause they state they never received which is a total lie. They leave the XXXX XXXX on their for months to show that I am short on my Escrow Account when in fact I am not. On top of that when I make the monthly payments they state I am short when in reality they still have not removed the XXXX XXXX. Also later on they remove the XXXX XXXX, but they still do not refunded the account for all the late charges, or finance charges that where charged to my account. This has been happening since XXXX. SPS has also been over charging my monthly payments since XXXX till XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to XXXX, XXXX, and Experian on XX/XX/22 and XX/XX/22 requesting proof in the form of a statement or detailed payment history proving these accounts were paid late. Per the FCRA all reported accounts must be accurate and verifiable. When requested, verification must be provided within 30 days of receiving the letter. Right now, the bureaus are in violation of the FCRA and are subject to legal action. The attached accounts are the accounts in question.
Product: Credit reporting or other personal consumer reports

Unfortunately, there was a real estate loan reported on my credit as a hard inquiry That was open and close without my knowledge and consent for XXXX Reported : XXXX XXXX, XXXX XXXX  {$5100.00} Closed
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. LOAN opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect closed account that appears on my credit report, which I have recently reviewed. The details of the account are as follows : Account Holder 's Name : XXXX XXXX Creditor Name : XXXX Date of Account Closure : XX/XX/year> This account is not mine and I have no affiliation with the creditor listed there was no account number ever posted on my credit report. I have never had any financial dealings or relationships with this creditor. This inaccurate information is adversely affecting my credit score and financial reputation. 

To resolve this issue, I kindly request the following actions : Investigation and Correction : Please conduct a thorough investigation into this matter and remove the incorrect account from my credit report. 

Confirmation of Removal : Once the account is removed, please provide me with written confirmation that the account has been deleted from my credit report. 

Enclosed with this letter are copies of my credit report highlighting the inaccurate account, as well as any relevant identification documents that XXXX assist in verifying my identity. 

I appreciate your prompt attention to this matter and request that you address this issue within the timeframe outlined by the Fair Credit Reporting Act. 

I would also like a follow up on the status of my report via mail and email.
Product: Mortgage

Mortgage company Fay servicing LLc, has neglected to send us any mortgage statements in over the 2 years after our mortgage was sold to them, although several requests were made, we fell past due and since we never had information showing we were late we never realized the late payments or payments that said were missed and made. Fay servicing also takes a very long time to process payments and charges late fees. no contact from the mortgage company to try to rectify,
Product: Credit reporting or other personal consumer reports

I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Please promptly eliminate the late payment and UPDATE this account immediately. 

XXXX XXXX Balance Owed : {$480.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$810.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$200.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1200.00} Date Reported : XX/XX/XXXX
Product: Checking or savings account

I feel that cashapp takes money and can not show proof as to where it goes. I added {$20.00} to cashapp yesterday around XXXX. It brought my account to XXXX. I made a purchase for gas at XXXX for XXXX. This morning my friend sent me {$20.00}. I didnt appear. They said that XXXX XXXX didnt charge at that time and that the {$20.00} I originally added went back into my account and XXXX XXXX  charged me later causing my account to go negative. However there is no way this could have happened. No other transactions took place. They cant tell me where that original {$20.00} went as there are no other transactions. So they took my money and wont give it back. This has happened on several occasions and I have all the screenshots and proof that none of it added up.
Product: Money transfer, virtual currency, or money service

There is so many that we don't know all the dates and amounts but there is several... And it is thousands of dollars we need refunded back to our bank account they have taken out fraudulently .... And removed from our credit report! 
But our daughter took our identity and opened these accounts and she has now sadly passed away in a car wreck, but we had no knowledge of any of this she was doin to us! Cause we would prosecute her for this, we have before!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an error in my credit report. I notified the credit card company XXXX XXXX XXXX ) via phone call. I asked them why they reported a late payment on my account. The operator stated there was no late payment on record. However, it shows up on my credit report. I was then passed on to another person at another department who tried to tell me that instead of using my current account to pay my bill, I was using a different account that was not valid. ( This statement is not true ). 
When I first received a credit card from XXXX XXXX, I attempted to set up autopay which would not work, and I had to call XXXX to set up AUTOPAY because it was obvious that the website had technical issues. 
According to the Fair Credit Reporting Act Mistakes must be removed according to FCRA rules. 
The agent stated that no LATE PAYMENT was on my file. Yet they reported a LATE PAYMENT to the credit bureaus and refused to remove the statement made to the CRA even though it is not in my file that I have a late payment issue.
Product: Credit card

I have been a member to USAA since 2004. 
today I have auto insurance again with USAA. However the problem seems to be with the USAA credit debt collection department. Because, I have entered into a Debt Relief program with the National Debt Relief, a USAA credit debt collection agent called me and stated that as a result of me haven joined a Debt Relief program, the credit card department will be obligated to cancel my auto insurance, if I do n't make payments to my credit card. Today I spoke directly with the USAA auto insurance department, and they said, that no other department from USAA or any credit card, has the right to stop my auto insurance. So my question is, why was the USAA debt collector agent giving me false information about the outcome of me being in a debt relief program? USAA should not have the right to retaliate against my auto insurance policy. I also spoke with the USAA Credit Card department and they forwarded me directly to the MasterCard debt collection company and they as well stated that, no such thing can be done by a credit card company ... that whoever said that, is giving you misleading information. 

I here by call on a complaint against USAA Debt Collection department for giving false information about the life or extend of my auto insurance just for being in a debt relief program. 

As of today, all my auto insurance quotes have been paid. So I have no idea why USAA wants to retaliate against my auto insurance, when that is in good standing. 

thank you.
Product: Debt collection

I setup payment arrangements with this company and after arrangements were made phone calls started stating they would not accept the payment method I have. So after arrangements were made they sent me a letter stating they cancelled the arrangements and have continued to call me daily 4-5 times a day. I ca n't afcord to spend more money then what was agreed to in order to make the payments and they keep insisting that its my responsibility to change my payment methods in order for them to accept the payments.
Product: Debt collection

I, the consumer and original creditor in fact, are aware of your fraudulent and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, the applicant, initiated a Consumer Credit Transaction using my Credit Card 15 USC 1601 ( 1 ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), but the consumer which is myself never benefited. 
XXXX XXXX XXXX XXXX you are reporting my account as Charged Off to all the Credit Reporting Agencies. 
I am deeply disturbed by this company 's actions. 
I just want to be clear, as a consumer, I am federally protected under the Fair Debt Collection Practices Act Title 15 Chapter 41. and it's saddening to know you takes pride in violating basic consumer rights. As a result of your actions, a tremendous amount of suffering has occurred ranging from my XXXX XXXX XXXX XXXX XXXX causing confusion, anxiety and sleepless nights with lots of XXXX and XXXX dysfunction. Plus no one should ever have to experience what I have when it comes to anything that belongs to them and rightfully. This is extortion in fact as per 18 USC 894 ( 1 ) and regrettably so. I am demanding a validation of debt and a copy of my 1099c from the IRS.