23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For the past 30 days, a mediation company identified as HR Management has called several times XXXX threatening to file a judgment for an alleged HSBC debt dated XXXX paid in XXXX XXXX XXXX XXXX through Stipulation. This paid HSBC debt was paid and is currently today beyond of XXXX  statute of limitations.
Product: Mortgage

Communications to AmeriHome were initiated by us, the mortgagors, for the purpose of merging/replatting two adjacent lots into a single lot. Both lots are owned by us. We were advised via XXXX XXXX ( AmeriHome underwriter ) that to proceed, we must complete numerous requests and provide specific documentation detailed in a " Lein Release Requirements '' document, which was provided to us. After providing each requisite document and multiple attempts to contact XXXX, dating from early XXXX through the middle of XXXX, XXXX XXXX called myself on XX/XX/2024 to explain she could not proceed with my request because " She does not know what I want, nor how to support this request. '' After speaking with XXXX XXXX briefly, I requested that she please call me back at a more appropriate time, at this point refusing to do so. After pleading with XXXX XXXX for additional time to gain further clarity of her requirements, she again refused to provide any more information, stated she did not understand Texass requirements and encouraged me to contact my county/city for further guidance. 

After contacting our county immediately following this conversation, I was informed that apart from the process I have already initiated with our county to replat both properties, our county is a separate entity and has nothing to do with the process of modifying a mortgage, nor do they have anything to this process in any capacity whatsoever. 

Detailed in the complaint " AmeriHome CFPB Complaint '' document, you can see that request after request has been overlooked, pushed to the side and/or completely ignored via XXXX XXXX XXXX AmeriHome. As of XX/XX/2024, AmeriHome Servicing intends to transfer ownership of our loan to another servicing company, effective XX/XX/2024. I believe the lack of correspondence is directly tied to this fact. If servicing does indeed transfer to a separate entity, the thousands of dollars, countless hours and 4 months spent attempting to move this process process forward and at the behest of AmeriHome Servicing, specifically XXXX XXXX could be for nothing, and all efforts will need to be repeated with the new servicer. 

Of great importance to us, the mortgagors, is the money spent on appraisals for both properties, surveys, border delineations, etc. will need to be duplicated for the new servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I opened a credit card with Wells Fargo 8 months ago. This credit card offers zero percent for 15 months. I received a credit limit of {$7000.00} and I have used {$4600.00} of it. I have never been late. I have only been making my minimum payments because it is a zero percent credit card and I was not in a hurry to pay it off. I was focusing on other debt which does charge interest. Wells Fargo Lowered my credit line to {$4800.00} because I was only paying my minimum payment. I feel like this is very unfair because I have never been late and their decision to lower my credit will impact my FICO score negatively. I feel that they are judging me because I am a XXXX and automatically assume that I will be most likely to default and thats why they reduced my credit limit. I have banked with them for over twenty years and they see my transactions and my activity. There was no reason for them have lowered my credit limit.
Product: Checking or savings account

On XX/XX/2022 I made a payment by way of XXXX through sun trust bank to a person but the name of the person I sent the money to was correct but the phone number was wrong. After calling online banking with Suntrust bank and being on hold for 43 minutes XXXX with online banking told me if I make a mistake on one thing it is up to me to find the person that the money went to and get it back on my own and it is nothing that sun-trust bank can or will do. As of today the money is lost. That number to the suntrust on line banking is XXXX.
Product: Checking or savings account

From XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I discovered over 40 transactions from XXXX. I had my bank notifications set to notify when transactions are over {$100.00}. That is how I missed all those transactions, as I rely on the notifications. I turned in screenshots of transactions from XXXX showing that they did not come from my account and someone had to hack my bank information. I also turned in statements from XXXX showing my transactions for the year of XXXXXXXX XXXX XXXX XXXX I removed bank from XXXX  and deactivated account. I also turned in those screenshots. A few days later, 2 more transactions came in from XXXX Navy Federal Credit Union denied the claim and took over {$1300.00} back. I don't understand if they are FDIC approved and I turned in all the documents how they could deny the claim. This is really unfair, as I did not basically steal from myself. Now my bank account is negative {$1300.00}.
Product: Credit card or prepaid card

On XX/XX/2021, I entered into a contract with a company named XXXX XXXX for {$10000.00}. I cancelled the contract within the 3 business day requirements. Chase has not supported me and my dispute of that charge. I do not agree with Chase not honoring my cancellation. In a letter, dated XXXX XXXX, I also included the dispute about lack of services. It has now been 7 months with no services. Numerous letters, including extensive packets of documented evidence, were sent to Chase Executive Disputes, XXXX, FTC, Attorney General, and XXXX XXXX XXXX XXXX. This is clearly a case of fraud and Chase will not address the fact that I have paid {$10000.00} for nothing. Chase continues to refuse to properly investigate this scam. I have been bounced to FOUR different executives and they all gave the same " pat answers '' that included their reading of the verbiage of the cancellation policy ; NOT anything about the lack of services. A FIFTH executive did re-dispute my claim and actually, upon my STRONG request, read out loud the sections of my evidence which point to the lack of services. That re-dispute has been ended and the reason, once again was about the cancellation. It's obvious that my packet of evidence has not been researched. It appears that Chase is unable to recoup the funds and is going after me as an easy target.
Product: Debt collection

TEAM RECOVERY INC . 
XXXX XXXX  XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX In Violation pursuant 12 USC 4502 ( 25 ) Pursuant 15 USC 1692c communication in connection with debt collection and 15 USC 1692b. Acquisition of location information.
Product: Money transfer, virtual currency, or money service

This issue related to my Apple Card from Goldman Sachs Bank USA, which I used to make a payment for installment plan for new cell phones XXXX XXXX XXXX ( 2 phones ). Every single month I have being overcharge in my bill, last time bill for XX/XX/2021 instead {$78.00} was {$120.00}. 
When I called to Apple company financial department about this extra charge, they spend over 2 (! ) hours with me on the phone, trying to find out reason for extra charge, and after all, they say " its for us unknown charge, don't worry it will be taken off from your bill by Goldman Sachs Bank USA ( owner of Apple card ) ''. I called them number of times to resolve this problem Apple always transfer me to Goldman Sachs Bank USA, and skip to resolve this problem without Goldman Sachs Bank USA. 
I start calling Goldman Sachs Bank USA number of times, almost every week during half of XXXX and XXXX, I spend on phone with them dozens hours (! ), every time new rep Goldman Sachs Bank USA, fill up for me dispute application related overcharge, all this time I was on the phone line, and promise me to resolve this problem, because they don't know anything about this charge too - same as Apple XXXX,. 
But every time it was useless, and after one week I always received note that my dispute was decline. 
My problem still exist and Golden Sachs together with Apple Card continued overcharge me.

Goldman Sachs Bank USA reps provide very poor and unprofessional service - such as so bad communication skills, unknown Goldman Sachs Bank USA payment system and online application, they always don't able provide me with clear explanation - why they charge me over, and very often just disconnected with me when I ask for supervisor, or made me stay on waiting call for an hours (! ), and after all - anyway disconnected. 
In my last statement Goldman Sachs Bank USA, for XX/XX/2021 charge me {$120.00} but, my installment plan is {$78.00} per month. 
I ask Goldman Sachs Bank USA, AGAINE, provide me with clear answer, why my bill over for XXXX? ... 
Reps Goldman Sachs Bank USA say : " its a balance from XXXX '', I provide them with proof of full payment for XXXX, after it, reps of Goldman Sachs Bank USA, change mind, and say : " this is a balance for XXXX ". 
But I don't buy anything with this card in XXXX, XXXX and XXXX, I don't use this card at all ... 
By agreement with Goldman Sachs Bank USA, my installment plan coast only {$78.00} / month, and no XXXX more. 
I don't understand why this company, Goldman Sachs Bank USA, continued abused me ad overcharging every single billing cycle? 
My Apple Card from Golden Sachs number is : XXXX, physical card number ... XXXX.
Product: Mortgage

Good morning Our home is located at  XXXX   XXXX   XXXX .  XXXX  The loan was transferred from  XXXX   XXXX   XXXX   XXXX  to  Litton then To Ocwen. This  was not documented in the Court.   During the Transfer the Incorrect amout was documented.   We have asked  Ocwen for the correct amount that was Transferred And they wo n't respond. Ocwen did not attend the Chapter   XXXX  Hearings in  XXXX . They did not start enforcing the amount until  XXXX . We questioned the  Statute  of Limitations for collection of The debt, they would n't respond. I have been in  XXXX   XXXX  for 25 years. I have never done anything wrong. I have been in my Home for 20 years and would like to remain in it but would n't Like these issues satisfied. I am in  XXXX    XXXX   and will not have An income until  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the only 2 places I have lived in the past XXXX years. XXXX XXXX XXXX,XXXX, IL XXXX
XXXX XXXX XXXX,XXXX XXXX, CO XXXX-XXXX.

Therefore I could not have been at XXXX XXXX-
XXXX  XXXX XXXX #XXXX**** 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX 
(XXXX) XXXX
Placed for Collection: XX/XX/XXXX

COLLECTION AGENCY/ATTORNEY
Balance:
$XXXX
Date Updated:XX/XX/XXXXOriginal Amount:
$XXXX Original Creditor:
XXXX XXXX (Rental/Leasing)
Past Due:
>$XXXX<
Pay Status:
>In Collection<
 
Also I have never done business with XXXX XXXX. 
I was not in the state when this was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to pay XXXX  and they are unresponsive to emails. They have reported to XXXX, Equifax, XXXX  that my account is charged off. They have also reported the account multiple times on my reports.
Product: Debt collection

This is about the accuracy of the report that XXXX is reporting. Simply, my name is XXXX XXXX XXXX XXXX formerly XXXX XXXX XXXX. I have sent my court documents to XXXX more than twice and the correction has not been made yet. This is and has caused me great pain in trying to get a home loan with two different names on your credit report. As for Experian I only need them to report my entire name as XXXX XXXX XXXX XXXX, I don't do business in the name of XXXX XXXX XXXX. I only do business in my whole name, XXXX XXXX XXXX XXXX. Please! Correct this!
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
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

Despite my multiple attempts to dispute these items with XXXX XXXX and provide supporting documentation, such as evidence and police reports the issues have not been resolved this account closed and re open XX/XX/year> and I have no knowledge to why. Additionally, I am being sued for debts I no longer owe. Debt collectors are selling my debt, leading to multiple lawsuits against me. I request that these items be investigated and corrected as soon as possible. Please provide me with a written statement detailing the results of your investigation and any changes that are made to my credit report. XXXX is an attached copy of my report for your reference. Thank you for your prompt attention to this matter.
Product: Credit card

Someone created a CAPITAL ONE Account in my Name and I did not Authorize this. I had NO KNOWLEDGE of this. I contacted CAPITAL ONE and spoke with ( XXXX ) Ladies and was given the Run Around. I spoke with ( XXXX ), ( XXXX # XXXX Fraud Supervisor ), ( XXXX-Application Department XXXX ) & ( XXXX-the one that Hung Up on me because i wouldn't give her my Social Security Number ) and ALL of them told me that they saw my Emails & Application that someone had pretended to be me.
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2009 with a balance of {$10000.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.
Product: Credit reporting or other personal consumer reports

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy.

In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX Previous Address : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, Texas XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Dispute of Fraudulent Account and Past Due Balance To : XXXX XXXX TransUnion XXXX XXXX I am writing to formally dispute a past due payment of {$530.00} associated with a XXXX  XXXX credit card account, which was reportedly opened on XX/XX/XXXX, and closed on XX/XX/XXXX. My name is XXXX XXXX, and I have received multiple letters regarding this debt. However, I have no recollection of ever opening this account, and I strongly believe it was created fraudulently as a result of identity theft. 

Since I did not authorize the opening of this account, I am requesting an immediate investigation and appropriate resolution. I have already filed a report with identitytheft.org and am in the process of submitting an additional report with the Consumer Financial Protection Bureau ( CFPB ). 

Please confirm in writing that you have received this dispute and provide any
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay for membership on Experian.com and since XX/XX/2020 I can not pull all three Reporting agencies report opened up multiple escalation tickets but still not fixed but they keep billing me for service I can not get
Product: Credit card or prepaid card

My American Express Everyday card was stolen and I contacted American Express immediately at the time I realized my credit card was missing. I spoke to the representative on the phone and clarified that the charges in question were fraudulent charges and stated that all of the charges in question were NOT authorized by me, the cardholder. I had received a text message regarding a fraudulent charge and being in the middle of a business call incorrectly typed in the number to determine that an attempted charge was indeed fraudulent. I am the only one authorized to use my credit card, I did not authorize the {$480.00} charge, and nobody else is authorized to use my credit card. The charge in question was for a total of at least {$480.00} on XX/XX/XXXX. It has been over a month and saw that American Express reversed the credit for the fraudulent charges in question. 
Screenshots documenting the time frame of when I responded to the alert text message, and tried to correct my initial response ( selecting option 2 ) after realizing the message will be included.
Product: Credit reporting or other personal consumer reports

I reviewed Experian credit report and found that a bankruptcy filled in XXXX is still listed on my report. This should have been removed XXXX years ago ( XXXX years after filing ). I sent e-mail on XX/XX/XXXX to have removed immediately. I confirmed with their third party vendor that handles public record information that it is no longer active. Yet I received an e-mail from XXXX XXXX this morning indicating they can not view reports via e-mail. I requested that they remove inaccurate information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to XXXX, XXXX, and Transunion about incorrect items on my report. I have sent items to the 3 bureau listed above over 3 weeks ago and i have not gotten a response from either of them. As stated in 15 USC Code 1681 the agency must respond in writing within 5 days of my letter, if not they are in Violation of the law.