23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Saturday XX/XX/2021 XXXX My mortgage servicer Ocwen or PHH Mortgage XXXX XXXX sent a representative to my home from XXXX XXXX XXXX to my to declare it abandoned and vacant. The representative handed the notice to my uncle. The representative was told the house is not vacant or abandoned. He told my uncle that I would have to call a number to report that it wasnt vacant because he is reporting it is. 

There is currently a foreclosure moratorium in Washington , DC. There is a loophole about abandoned properties. I believe the mortgage servicer is trying to fraudulently claim the house is abandoned to put the house up for a foreclosure sale. 
The servicer is also refusing to give me COVID relief assistance.
Product: Credit reporting or other personal consumer reports

Experian, I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my credit file, I noticed an inquiry from XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX which I did not authorize. 

Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( 15 U.S. Code 1681b ), credit inquiries require permissible purpose and explicit consumer authorization. Since I did not provide consent for this inquiry, I am requesting its removal under FCRA Section 611 ( 15 U.S. Code 1681i ) due to inaccuracy. 

Please conduct an investigation into this matter and provide me with the following : 1. Proof of my authorization for this inquiry.

2. The name of the individual or entity that requested and approved the inquiry If the inquiry can not be verified, I demand its immediate removal from my credit report. I expect a response within 30 days, as required by the FCRA. Please send me written confirmation of the results of your investigation. 
Enclosed, I have included a copy of my driver 's license, proof of address Thanks you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When my old XXXX XXXX XXXX  XXXX credit card had fraudulent charges, the account was closed and the balance was moved to a new account around the same time XXXX XXXX  merged into a new name XXXX XXXX XXXX XXXX. 

Then I received a late fee notice from " XXXX '' on XX/XX/2023 stating that I owe {$40.00}. I have not idea who is " XXXX '' nor agreed with this debt. But the amount being immaterial, I paid this online through their new XXXX XXXX website on XX/XX/2023 which had my old credit card account there and subtracted {$40.00} from my checking account on XX/XX/2023. 

The next month, I got another bill with added {$35.00} late fee plus XXXX interest for a total of {$85.00}. So, I paid this online again at XXXX XXXX website on XX/XX/2023 and this was subtracted from my checking account on XX/XX/2023. 

After realizing that XXXX XXXX reversed {$40.00} and {$85.00}, I wrote a personal check for {$85.00} and mailed it ; that was deposited, subtracted from my checking account, and then XXXX XXXX rejected it. But I have never received any monetary refund or credit to my checking account for {$40.00}, {$85.00}, and {$85.00} ; totaled {$210.00} was kept by XXXX XXXX XXXXXXXX XXXX XXXX and I don't see where I got credit or reimbursement. 

And yet again, our credit report has been negatively affected by XXXX XXXX XXXX XXXX even after we made the payment and it's not clearing the account and stealing our money. XXXX XXXX no longer exist after the merger as it is now XXXX XXXX XXXX XXXX. Please help me resolve this as I have already made the payments, numerous phone calls, and even walked into the XXXX XXXX XXXX.
Product: Mortgage

I have a 15 year fixed mortgage loan in the amount of XXXX with a 9.850 % interest through PHH ( started with GMAC, sold to Ocwen, merged with PHH ). The original note states so will pay principal and interest in the amount of XXXX each month. In XXXX of XXXX I received a letter that my loan had matured as of XX/XX/XXXX and I now owed the remaining balance of over {$20000.00}. 
I called after receiving the letter and was told there was an extension on my account and I could continue with the regular monthly payment. In XXXX of XXXX my payments started being held in a suspense Account and no long were being applied to my loan. I have spoken to 6 PHH agents to try and figure out what is going on and have gotten nowhere. I was told at one point I had a HELOC loan which so do not.

I can not figure out how I still owe over {$20000.00} on an original note of {$26000.00}.
Product: Debt collection

its been si long ago that I really dont remember. However I went through a debt consolidation program and a bankruputcy. I realy dont rememberI but I know that anyone that responded to thw consolidation was taken care of AND any one included in the bankruputcy was dismissed.. I no longer have the paperwork.. Probably more than 9 or 10 years ago. Now they have put this on my credit file as though it si current. 
It should not be on my file at all..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It seems to be an Old report from XXXX XXXX  from XXXX XXXX XXXX. I have the documents to prove it. Also, have pics of lies on the excessive cleanings. I moved into an Apartment that wasn't the one they used for showing. I moved into an apartment that wasn't occupied in XXXX  years before I moved in because it was dirty. They tricked me into renting and I was a young adult at the time. My heater was also broken at the time. So by tenant rights, I shouldn't even pay.
Product: Credit reporting or other personal consumer reports

Payments for XXXX XXXX XXXX incorrect account was never late I been disputing with company and put in complaints with them. Now at this point the credit bureaus are still reporting inaccurate. Also this company is violating my privacy rights according to consumer law. The dates in question are where all paid but considered late do to there system failing to report the payment as on time. This comply is false reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion customer service of some unauthorized credit inquirys and they would not take care of it and as a result my credit is being negatively impacted. I spoke with customer service on  XXXX   XXXX ,   XXXX   at about  XXXX   XXXX   Pacific Standard Time.       XXXX   XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

Nationwide Recovery SV has 2 Medical bills listed on my credit report that do not belong to me.

Enclosed are 2 attachments with the erroneous account information. As well as a copy of my complaint that I sent to Nationwide Recovery Sv.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not in compliance with CFPB because after numerous times of disputing an account on my report the have yet to correct the problem. My XXXX XXXX account is showing 60 days on Experian but XXXX and XXXX both show it as paid as agreed. DATES OPEN do not match, Account details do not match, High credit does not match, Credit limit doesn't not match, Payment status does not match, Last reported does not match, Date of last activity does not match, Date of last payment does not match. Also the comments definitely do not match. XXXX has dispute resolved reported by grantor. XXXX has closed or paid, XXXX balance, account closed by grantor. EXPERIAN has dispute resolved reported by subscriber. How can this be true when 2 other bureaus have it closed and paid as agreed by the grantor. I count 9 violations in total. 9x {$1000.00} = {$9000.00} that should be paid to me as a result of uncorrect information on my credit report. 

15 U.S.C 1681 SECTION 604 A SECTION 2 clearly states a consumer reporting agency can not furnish a account without my written consent.

I clearly didn't give them consent to report this account and nevertheless inaccurately.

15 U.S.C 1681 SECTION 602 A states that I have the right to privacy as well.

This is clearly an invasion of my privacy. It is also hurting me financially.
Product: Credit card

Dear TD Bank Customer Service, I hope this letter finds you well. I am writing to express my dissatisfaction with the recent response I received regarding my fraud claim, Case ID XXXX. I appreciate your prompt attention to such matters, but I must convey my concern with the resolution provided.

Upon reviewing your email dated [ Date of the email ], I was surprised to find that the reason for the rejection of my fraud claim does not align with the information I provided during my conversation with one of your agents. The email suggests that the transactions in question are valid and attributable to my actions. However, I would like to reiterate that I was out of the country, specifically in XXXX, during the entire period of the disputed transactions. 

I want to emphasize that these transactions are not mine, and I have not authorized them. As I communicated to the agent, I was not physically present in the location where these transactions took place. Therefore, I find it perplexing that the rejection reason points to the transactions being legitimate. 

I kindly request that you thoroughly investigate my case once again and reconsider the rejection of my fraud claim. It is crucial for me to resolve this matter promptly, as the unauthorized transactions are causing significant distress and inconvenience. I am confident that with the correct information, you will be able to rectify this situation promptly. 

Please provide a detailed explanation for the basis of the rejection and, if possible, share any supporting documentation or evidence that influenced this decision. Additionally, I request that you keep me informed of the progress made in re-evaluating my case.

I appreciate your prompt attention to this matter and trust that TD Bank will take the necessary steps to resolve this issue in a fair and timely manner. If you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX XXXX
Product: Credit reporting

Every month I have issues with Equifax. Its like a never ending complaint with them. In XXXX, I had issues with gaining access to my credit file, after numerous call back and forth to the personal department and the consumer department they were able to fix the issues. Then in XXXX the same issue occurred. When I call no one seems to no why I cant gain access to my credit file. Now in XXXX the same issue has occurred. I called several time trying to explain to them that this issue has occurred every month and the resolution but no one I talk to seem to be able to figure out the issue. I have n't been able to see my credit file since XXXX XXXX. I have attached snapshots of failed credit report request from over the last several months showing that this issues happens every month since XXXX 2015. The last time this issue occurred I just fax address verification to the Consumer department and the issue was resolved now one seems to know how to fix this issue. This is getting annoying. If you work at Equifax and I call you, you should be able to fix the issue I 'm explaining to you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent reporting of an account on my XXXX, XXXX, and Equifax credit reports by XXXX XXXX XXXX. Upon scrutinizing my credit reports, I discovered an erroneous listing of an account attributed to XXXX XXXX XXXX that does not pertain to me. This inaccurate reporting not only damages my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Under the stipulations of 18 USC 8, I affirm that I do not owe any debt to XXXX XXXX XXXX. Therefore, the inclusion of this account on my credit reports is not only unjust but also illegal according to federal law. I raise doubts about the validity of their claim and demand immediate removal of this erroneous information from my credit reports to rectify the harm inflicted upon my creditworthiness and reputation. 

I expect prompt action to address this issue and restore the accuracy and integrity of my credit reports. Failure to do so will compel me to escalate this matter to the appropriate regulatory authorities and legal entities. I implore you to treat this matter with the seriousness it deserves and to address it promptly. 

Kindly acknowledge receipt of this complaint and provide a timeline for resolution. You may contact me using the information provided below. Thank you for your prompt attention to this matter. 

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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$2400.00} DEPT OF ED/XXXX  XXXX Balance : {$51000.00} XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Mortgage

My bank charged me fees for making principal payments without informing me. I made my additional payments on the payment coupon provided by my bank/lender. I made these at the branch, not by phone nor online. Im not delinquent ; I make my payments each month on time at the bank. I dont have a pre-payment penalty. Ive had my loan over 7 years, and as I approach retirement want to pay down my mortgage. I wasnt informed of any fees if I make principal payments regardless of the amount. They are holding my extra payment in a suspense account I have no access to. This wasnt a partial payment on my regular mortgage payment. It was an additional payment. I havent received any documentation as to where the additional principal payments are. No suspense account statement. I attached documents ( mortgage statements, bank receipts of principal payments ). Im concerned this is an illegal practice. I clarified with the Truist bank employees at the branch that I completed the mortgage coupon correctly ; twice they told me extra payments go directly toward the principal with no mention of any fees for this service.
Product: Credit reporting

I settled an account with XXXX 8 years ago and it is still coming up as negative on my credit report. What can I do to have this removed?
Product: Debt collection

I check my credit and found a collection from DEBT RECOVERY SOLUTION. They had never sent me a validation letter or anything and put it on my credit.
Product: Credit card

On XX/XX/XXXX my credit card payment was scheduled for autopay. I pay my credit card off in full each month. I logged into my account on XX/XX/XXXX to see a notice that my bill had not been paid via autopay and was due and that I needed to pay it immediately to avoid a late charge. I did so from within the Bank of America system. Unbeknownst to me, Bank of America had initiated autopay, resulting in my checking account ( not a BofA account ) getting charged twice for the same charge. I noticed this when I received a notice from my bank of an overdraft. I reached out to Bank of America to ask them to stop the duplicate charge and they told me there wasn't anything they could do and the best they could do would be for me to request a refund but that that could take quite a while. I went back to my bank and asked them to put a stop on the duplicate payment, which they did. Bank of America had already credited my account for the {$8000.00} on XX/XX/XXXX and did not acknowledge the stop from my bank until XX/XX/XXXX. They then put that same {$8000.00} on my credit card, as if I had spent that money, bringing my balance owed on the card to {$16000.00}, even though my credit limit is only {$12000.00}. Today, they debited my account through autopay for {$16000.00}, even though the only purchases made amounted to {$8500.00}. I immediately called them and after over an hour on the phone was told that they could not refund more than my credit limit so could only return {$11000.00} to my bank account. I asked them to refund the entire erroneous debit and let me pay what was owed. They said this was impossible. They then said that even if they were to refund me the money taken in error it would be at least 7 days before the money was returned. I let them know this was unacceptable as it was their error and it would leave me with XXXX money to live on for the next 7 days. They said they were " sorry for the inconvenience. '' After an hour of going in circles there was no resolution, although they did say if I called back tomorrow they would see if they could get it pushed through in XXXX hours. Again, this is wholly unacceptable. They stole my money and are now leaving me on the hook with a negative bank balance. To make matters worse, they are charging me an interest fee on this mythical $ XXXX they say I owe! I am thoroughly disgusted by the way Bank of America has handled this mistake on their part. As a consumer, it feels incredibly predatory. Not only am I out a ton of money and unable to provide for my family, but it took an hour on the phone with them and then another XXXX hours at my bank trying to figure out a solution. XXXX hours that I had to take off of work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to remove attorney general office reports related to my child support. The texas attorney general office continues to report inaccurately past payments being missed without confirming with my former spouse because they do not receive the payments through their office. I am a XXXX XXXX and pay my x directly more than what is ordered even. So my question and complaint is that if my X is not reporting that she is not being paid then why are they reporting to my credit reporting agencies. She then has to fill out an affidavit to report the payments and when they were received because if not they will show a XXXX balance but continue to report the missed payments.
Product: Credit card or prepaid card

Their was fraud on my credit card. Capital one has reimbursed the fraud charges, but hasnt reimbursed fee and interest.
Product: Debt collection

Sequim Asesst Solutions, LLC collected {$180.00} from me on XX/XX/19 to resovle an outstanding disputed bill with XXXX XXXX XXXX XXXX XXXX. They then recently contacted me on XX/XX/19 wanted to collect an additional {$100.00} after the account was settled and of course their collection tactic is were going to damage my credit and report the account to the reporting agencies if I don't pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are reporting fraudulently to my credit file and the credit bureaus continue to give me the run around and won't remove these fraud accounts. I have been going back and forth for months with XXXX, XXXX, and Experian about the following accounts. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Which all are accounts that I have never had any associations with. I have reached out to each bureau about these fraud errors and they asked me to send in docs to verify myself and I did. I also filed a police report because I am a fraud/ Identity theft victim. I have sent the police report in along with ftc affidavits and proof of residence an identity to proof that None of those fraud accounts match me. I have called an been on the phone with each bureau for hours just to be told that they will be removed and then I get a notice that they are still reporting. XXXX and Experian wont accept my fraud dispute and keep saying they feel I have filed fraud dispute by mistake and that they will let the creditors make the decision and the creditors have been no help to me. they won't give me proof of how they are verifying me. Something needs to be done immediately to remove these fraud accounts from my file. I have submitted everything to prove that I am an identity theft victim and the law should protect me and my rights. 

Police Report Number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2020, while I was XXXX, I had set up an automatic payment for my credit card with Suntrust. It seems like it did not go through and for some reason, it now shows that I am delinquent 30 days. I made a payment to catch up, but it is still reporting to the credit agencies. Request this information be corrected on my credit report since I was XXXX and from looking at my report, I have no other delinquent payments through them.
Product: Debt collection

My medical debt was sent to a collection agency after the bill had been paid. 

Bill was to XXXX XXXX XXXX XXXX XXXX, TX XXXX Bill was paid on XX/XX/XXXX. I will attach the image of the posted transaction on my credit card statement. 

Received letter from collection agency " Managers Office '', XXXX XXXX dated XX/XX/XXXX stating the bill was still owed. Will attach image of that as well. 

A negative score has been falsely added to my credit report. When I contacted both companies they told me it would take 4-6 weeks to resolve. I want action immediate against these 2 companies.