23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like to thank the Consumer Financial Protection Bureau for allowing the opportunity to post my Complaint. I have been an Ocwen customer since XXXX XXXX XXXX. I received a Mortgage amount increase of {$15.00}. I am sending this complaint today XXXX XXXX XXXX and have not received a explanation of this increase. The payment of {$1200.00} has remained the same since XXXX of XXXX, fluctuating a few dollars more or less since then. I am sending you the Mortgage Account XXXX for XXXX XXXX. Ocwen includes a note on the bottom referencing the increase with no detailed reason for new Mortgage Amount of {$1200.00}. Mortgage Account Number is XXXX. Ocwen has admitted in the last year or XXXX that their Mortgage Processing and Accounting System may be questionable at times. Thank you once again for your Professionalism and high regard for Ethics in a sometimes confused and disoriented Economic Culture.
Product: Checking or savings account

victim of identity theft and unable to open account due to being reported to XXXX XXXX XXXX XXXX XXXX XXXX never had any accounts with chase
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. the item I need deleted is listed in the report. 
I am a victim of identity theft and did not make the changes. I ask the item be deleted to correct my report. 
I reported the theft of my identity to The Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. please delete the items as soon as possible
Product: Credit reporting or other personal consumer reports

I have reach out to Experian to remove addresses that are not my true address and they refuse to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquires are unauthorized and they are not related to any transaction by me XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has previously reported these accounts on both my XXXX and Equifax. They have never provided validation or proof of the debt and the accounts were removed from my credit reports by the credit reporting agencies for lack of validation provided, in XX/XX/year>. 
Arbitration was held and on or about XX/XX/XXXX, they ILLEGALY reinserted XXXX collections accounts back on my XXXX and Equifax reports. XXXX accounts were added back to my XXXX and are reporting as active collection accounts, and XXXX account is reporting as a collection to my Equifax. All by XXXX XXXX. 

I am disputing the reappearance of the following account on my XXXX and Equifax credit reports. This account was previously deleted, and its reinsertion is inaccurate. Under FCRA 611 ( a ) ( 5 ), if an account or information is deleted from a credit report and then reinserted, the credit reporting agency must notify the consumer within 5 business days. I have not received any such notification regarding the reinsertion of this account.

Additionally, as per FCRA 611, I request that you investigate the circumstances surrounding the reinsertion of this account and provide proof of its verification. If you can not verify this account, or if the reinsertion was done improperly, I request that it be removed from my credit report immediately. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account ending in XXXX, has violated my rights.

15 USC 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 instructions.

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 any purpose.
Product: Debt collection

Dispute the debt associated with and reportedly sold by upgrade to XXXX XXXX XXXX, with a stated balance of { $ XXXX request validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. Specifically, I am requesting : 1. Proof of Debt Ownership : Documentation proving that XXXX XXXX XXXX has the legal right to collect this debt. 2. Complete Payment History : A detailed breakdown of the debt, including the original contract, and any fees or interest that have been added. 3. Verification of Accuracy : Proof that the amount claimed is accurate and consistent with what was originally owed. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that this debt be removed from my credit report if it can not be properly validated. The presence of an unverifiable or inaccurately reported debt could be considered a violation of my rights under the FCRA. I am currently experiencing significant financial hardship and am unable to repay this debt. As such, I am also invoking my rights under the FDCPA, specifically 15 U.S.C. 1692c, to request that all communication regarding this debt cease immediately. Continuous attempts to collect this debt only serve to exacerbate my financial situation and could be deemed as harassment. If XXXX XXXX XXXX is unable to validate this debt in full compliance with federal laws, I respectfully request that this debt be removed from my credit report and that all collection activities cease. Failure to comply with these legal requirements may result in further action on my part, including filing complaints with the appropriate regulatory agencies.
Product: Checking or savings account

I open a business checking account with Suntrust bank in XX/XX/2019 and make 3 deposit between 3 days total amount of XXXX and the same day that I receive my debit card I couldnt activate the card and when I call customer service they said that my account was terminated and if I want more information about it I have to visit the branch when I visit the branch they tell me that my account was closed but the banker said there was any note noticing why they terminate the account, she call someone through the phone and the person said in speaker that they cant tell me why but they just cut the relationship and business with me but in a couples of days they would send a check with my money and a letter letting me know that they close the account because they cant give me my money back in the branch, they havent send the check or the letter and I even use the account as a young entrepreneur and father of a family im very frustrated because this was my startup business and my first payments received and I lost the clients and potentially income ( around {$85000.00} ) i even want to continue with my business Im very disappointed because of the unfairly and discrimination against clients by this institution Im making a call to CFPB to investigate this institution because if you do some research this is not the first time that Suntrust banks do this unfairly actions against clients they let people open accounts and make deposit and in a time lap of 3 to 5 days they closed and hold the funds for several days or weeks without any concrete or reasonable reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

So I opened a claim on XX/XX/2023 for the amount of {$430.00} whereas I returned some products but was never refunded. On XX/XX/2023 I noticed that my account was deducted the amount and I called the bank to find on which grounds was my claim denied. The first agent I spoke to told me that the merchant policy states that it doesn't matter if I return the products or not, they have the right to not give me my refund. So, in this case, I am out of money, and the merchant ( XXXX ) gets to keep the products that I returned. I tried to explain to the agent that this made no sense and that I should be entitled to get back my money but she started shouting at me and talking over me stating that what I was saying did not matter as I should have known this would happen the moment I made the purchase then she hangs up the phone. I called back again and spoke to a supervisor who gave me a different story saying that the merchant showed them that the package weight was less than what they sent me so they are not going to give me any money at all. I tried to explain to the agent that even when I send packages XXXX or XXXX doesn't always weigh the package but she told me that they can't reopen the claim or assist me any further then proceeded to insult me in a polite way then the call ended. So now I am out of my money, this is not what I expected from Chase Bank. I will close my account pretty soon as I am sure they have violated my consumer rights. I REFUSE TO BELIEVE THAT I AM NOT ENTITLED TO MY MONEY AFTER MAKING A RETURN, THIS IS RIDICULOUS Reference # XXXX
Product: Debt collection

My home phone number has fielded repeated calls from a debt collector at  XXXX  since  XX/XX/XXXX  . At  XXXX  on  XX/XX/XXXX  , the caller left an automated voicemail for a "  XXXX   XXXX   ,   XXXX  '' but nobody by that name has ever lived at my house. Ever since then, the caller has either left voicemails without stating a name or no voicemail at all. For most of this year  (   XXXX  ) they have called on Saturday mornings, usually before  XXXX  and often up to  18 t imes within a minute or two. I 've tried blocking their number, but their harassing usage of robo-dialers sometimes gets past my provider 's call-blocking system. Their most recent vxmail ( Sat XX/XX/XXXX  at  XXXX  ) again says that they 're a debt collection company but does not mention the name of the person from whom they 're trying to collect a debt. In any case, nobody at my house has any outstanding debts to be collected. I 'm not sure whether they 've been trying to reach "  XXXX   XXXX ,  XXXX  '' for 2+ years, but whoever they 're trying to reach THEY HAVE THE WRONG NUMBER and need to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of XXXX XXXX. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

Experian never looked into my disputes or notified me of any results either. I am requesting deletion of the accounts especially the ones that were supposed to be included in my bankruptcy.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX  XXXX - XXXX - {$5700.00} XXXX  XXXX XXXX - XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Checking or savings account

On XX/XX/2022 I tried to make a {$3000.00} dollar deposit on an ATM machine at the bank of America in XXXX TX, the ATM took my card and then my money but after it took the money it made a jamming sound and the ATM turn itself off.. I tried to push every button but it would not come back on so I went inside the bank and told them what had happen and the lady went inside a room and came back saying that there was nothing she could do ... to file a claim with the claim department, I did about XXXX min later and they said that they would have to wait until the tech went by there that night to get the money, since then I have called them and ask about the credit, but they would give me the run around.. finally this past Friday I received a letter saying that they would not give me my money back because it was not in the ATM, I immediately called them and told them that they have cameras every where they can clearly see me depositing the money and inserting the card, I feel like I '' m just been robbed of XXXX from Bank of America because they don '' t want take responsibility for the ATM turning off and of course they know who has the money
Product: Debt collection

I recieved a phone call about the debt. I had already worked out a payment arrangement with XXXX. When I had talked to the man XXXX he had informed me that legal action would be taken immeditely if i did not pay the debt. He was willing to work out a payment agreement. I did that. Agreeed that I would pay XXXX  weekly to mine and XXXX  weekly to my husbands. I have since been in contact with CIC again and they denied that was them. I did however pay XXXX $ to mine and XXXX $ to my husband. It would not be that big of a deal had i of not already paid the XXXX $ each.
Product: Mortgage

XXXX This is XXXX XXXX. After trying to apply for loan to take back my residence from XXXX endowments that lured and defrauded my husband to revers mortgage. I cald XXXX  they said dont even bother to apply. Then I complaint to you apparently they decided to take my application the after making me going through 10 days of paperworks even though I have told them I dont have credit score not a good one or a bad one they deny my application due to lack of credit score. Without declaring to me my XXXX $ saving is non interest baring. And now I am getting stupid add to play stock market with XXXX XXXX. What is going on in this place. I am loosing my home because you let XXXX solicit and defraud my husband. Triple tax us then Wells Fargo discriminate us. Then XXXX  my husband and inflict emotional and psychological pain accuse me threaten me refuse my government Id my poa and my passport. Cause us to close our account which caused us financial damages. Now XXXX  doing the same. What is with fraudulent and vicious cycle of abuse and fraud that you dont let me breakthrough I dont know who to turn to why dont you call XXXX endowment with XXXX in their piracy chest to leave me alone. They are at it again they over appraising my residence and trying to defraud me same as my late husband. 
From other front XXXX  deny me loan offering me bogus application to cover their XXXX  XXXX And making. I need some one to tell these thieves I am a woman and a widow trying to stay in my house. And I have to borrow 10 % rate from loan sharks to give to endowments that you bail out and defrauded us once now inflate the price on my residence to defraud me twice while chase and Wells Fargo that again you bail out. Can enjoy skimming my accounts. What is going on. I know they think they are untouchable.No one gives a XXXX about a young widow. But for respect and sake of female members of your family Someone help me i need access to finance stop skimming my account or try to steal my Property. I need national rate financing.
Product: Credit reporting or other personal consumer reports

I work hard to build and fix my credit. I pay off my bills and just have Student Loans and self reporting on my Experian Report. I also have a freeze on my report because someone tried to search my credit without my ok. Yesterday XX/XX/year> my credit score was XXXX which is exceptional for the last month. Then yesterday is dropped down to XXXX ( XXXX points ) to very good. I still have the same student loan amounts and I'm still paying everything up to date on time no negative on my report. I paid off my personal loans and credit cards with XXXX balance. Then fir no reason Experian dropped my score XXXX point. I kept calling them went to the website can't sent an email or make a report or talk to anyone during their normal business hours. I want them to restore my credit score to XXXX and above. I'm doing everything I possibly can to get in touch and to fix this matter. A credit Bureau has to gather information and report fairly. Not turn your positive credit by lowering your debt and paying your bills on time with the same amount of Students loan debt still reporting in good standing used as a negative dropping my score down XXXX points. I need to be made whole and Experian has to really question hiw they calculate their scores and be more transparent towards people and give us an opportunity to talk to someone real not a recording. Please help me. Thank you
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 consumers rights to Privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have right to privacy XXXX XXXX XXXX section XXXX A. Section XXXX : it states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX, EXPERIAN, and XXXX  credit report ( s ). I have identified a fraudulent account and the report violates my consumer protection rights. Please block the account listed below : XXXX XXXX : XXXX - {$10000.00} I request to have this account removed permanently from credit report ( s ). Please block this account. This account is fraudulent and unverifiable.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXth i paid for a service that i thought was very legitimate but end getting scammed, i contacted the recipient many times to try to get my money back but they blocked me. I contacted cashapp with an email & thwy denied my dispute & told me to be careful next time which i understand but as. a bank should always let a customer do a dispute with proof of fraud/getting scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted one complaint, however I didnt send you supporting documents with the complaint. Here are the questions that I have to answer that are incorrect/wrong. I have spoke to Equifax customer service and informed them that the questions that are being asked are incorrect/wrong and I have no clue to where they got them and why I am being asked these questions. I also told them that there has to be a better way to verify a persons identity. Can you attach these pics to my first complaint please.