23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are fighting to keep our home. I sent in a QWR and OCWEN in return just made a document dump and sent me a box with thousands of documents ... there is no way of understanding what document goes with what question, hence I feel OCWEN is not in compliance with RESPA. Below is what I sent to them to comply. 
Best regards. 
XXXX XXXX Attn : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX Loan Number : XXXX Ocwen Loan Servicing , LLC Lady and Gentleman. 

I received on XX/XX/2016 the box of documents that the Research department provided from my request through the Qualified Written Request to you dated XX/XX/2016. After going through the documents you provided and trying to match them up with the specific questions asked in the QWR, it is clear that all that was done, on your end wasa document dump of everything inthe file for this property.There is no way that any person could verify questions in the QWR to specific documents that you provided and I find that you are not in compliance in spirit or deed with the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ). 

What I require is, you to take question by question in the QWR and match a document to each question you believe reflects it 's answer. You will have to make a " KEY '' like " A1, A2, A3, A4 and match question to document so one can understand what you are communicating. 

We have a lot at stake here, so lets at least be professional about it. 
Best regards. 
... ... ... ... ... ... ... ... ..XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is frustrating for me to continue requesting corrections of this inconsistent information regarding my credit history and account age. I want consistent and accurate information exactly like my consistent and accurate XXXX credit report information. One out of 3 credit bureaus being accurate and consistent is unacceptable. 

My credit history is very important. It tells businesses how I pay my bills. Those businesses then decide if they want to give me a credit card, a job, an apartment, a loan, or insurance etc. 

My account age is considered a medium impact credit score factor as it's not as influential as my payment history or credit utilization, but a higher average account age still positively impacts my credit score. 

Due to the numerous unsuccessful attempts, I have made to have this information corrected and to be consistent I have decided to forward this serious problem to XXXX XXXX XXXX for his assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC  ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX I am writing to formally request, pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), that you provide physical verification of the original signed consumer contracts for any and all negative accounts that are currently being reported on my credit file. 
Specifically, I am requesting the following : 1. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report. 
2. Physical verification that any and all negative accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this. 
If you are unable to provide the original signed contracts, I am demanding that the below accounts be immediately deleted from my credit file, as they are not properly verified as required under the FCRA. 

XXXX XXXXXXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$420.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$69.00} XXXX XXXX XXXX XXXXccount Number : XXXX Date Open : XX/XX/XXXX Balance {$5000.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XXXX XXXX, XXXX Balance {$4700.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$0.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open : XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$0.00}
Product: Mortgage

On XX/XX/XXXX I called Freedom Mortgage Company to make sure my loan payment had not changed due to receiving a renewal from my homeowner insurance company. Upon listening to the recording it stated that my XX/XX/XXXX payment was due. That was incorrect because I had paid my payment on XX/XX/XXXX through my bank online bill pay. My account showed the amount was delivered to Freedom Mortgage on XX/XX/XXXX. I spoke with the rep for Freedom Mortgage who stated they did not receive the payment. I called my bank XXXX XXXX XXXX XXXX ( XXXX )  who stated the payment was electronically processed and they should have received the payment. XXXX provided the tracking numbers to Freedom Mortgage. I was told that I would hear something back from Freedom Mortgage on XX/XX/XXXX but I did not hear from them. I call them around XXXX on XX/XX/XXXX  and the recording stated that I owed for XX/XX/XXXX and XX/XX/XXXX payment. I spoke with a rep and was told that I did a stop payment on a check on XX/XX/XXXX. Which I did not do. Freedom Mortgage took my XX/XX/XXXX XX/XX/XXXXand applied to a check # XXXX in the amount of XXXX dated XX/XX/XXXX which was lost in the mail. I was advised by the local post office and Freedom Mortgage to wait before I placed a stop payment on the check due to the bad weather in Ohio in XX/XX/XXXX. On XX/XX/XXXX I put a stop payment on the check. I spoke with a rep on XX/XX/XXXX to bring my account up-to-date so I could receive my escrow check. I specifically asked the rep on XX/XX/XXXX if they had ever received check # XXXX and he stated no but the check was sent to my bank on XX/XX/XXXX and was rejected because of the stop payment. No one can at Freedom Mortgage can tell me where the check has been for a year.. My payment on XX/XX/XXXX was {$2400.00} and that payment was delivered to Freedom Mortgage on XX/XX/XXXX which brought my account up-to-date. I received my escrow check shortly after that date. I would not have received the escrow check if my account was not up-to-date. I have paid all my payments on time since bringing the account up-to-date. Now Freedom Mortgage took my XX/XX/XXXX payment and applied to the check # XXXX   dated XX/XX/XXXX that had the stop payment on it. Now they are saying I owe for XX/XX/XXXX and XX/XX/XXXX as well. No one is returning my phone calls and whenever I speak with someone they are telling me something different each time.
Product: Mortgage

On Thursday, XX/XX/XXXX I attempted to get a XXXX conventional mortgage with Quicken Loan ( Loan # XXXX ). I provided all of my financial information up front and they ran a hard credit check before even giving me any of the basic information I wanted ( just what were typical costs at {$100000.00} for a loan - and yes, I know it varies by region, but how it is calculated would have been helpful and should n't have needed a hard credit check ). 

After going through their process I was pre-approved for a XXXX loan at {$120000.00} on Thursday, XX/XX/XXXX. I was told that my mortgage would be {$940.00} at that amount, and that the total out of pocket would be {$7200.00} with closing. I asked about {$100000.00} due to a house I liked. That came back at {$780.00}, with {$6600.00} at closing. 

On Friday, XX/XX/XXXX the house I liked had a price drop to {$99000.00}. I asked for what the cost would be and provided the address of the house. I was told {$7500.00} without closing, with a monthly payment of {$880.00}. I asked why the discrepancy and they said it was their fault, they had forgotten to include a few charges. NOTE : They still had the SPECIFIC address I was interested in at this point in time. 

So this brings me to my complaint. After going through this process, I was able to close the deal on the house I liked at {$100000.00}. This is still on the pre-approved XXXX loan which they had originally pre-approved at {$120000.00}. So I call them today ( Wednesday, XX/XX/XXXX ) and get told that their is an income restriction on the house, and that the only way to know which houses have them or not is to use a special tool not used by Quicken Loan ... which I was never told about. 

They offer to give me a new loan product, but even if the seller who has already closed the deal without closing were to change their mind and give me closing, the total cost out of pocket for me would be {$7000.00} to {$8000.00}. Well above the budget I provided them, meaning the entire process was a waste of time and making it so that my wife and I lost the house we wanted. 

I spoke to them at length but they refused to do anything and due to their incompetence I was not provided with clear and straight forward information on costs to allow me to budget, wasted the time of the seller and cost them another interested party, and wasted the time of my real estate agent. At this moment in time I 'm not sure if I 'm on the hook for any charges beyond the damage to my credit score, but this process has left me humiliated and angry. 

Thank you for your time.
Product: Debt collection

Hello my name is XXXX XXXX and I have been getting harassed by two different companies a year apart for the same account from capital one as well as the capital one who told me they sold my account back in XXXX or XXXX to a company who is no longer in service I recently received a new Capital One card thats under XXXX now the first company is called XXXX XXXX XXXX who told me last year around XX/XX/XXXX or the XXXX of XXXX they had me pay them close to XXXX dollars and I thought that they was clearing up my collection bill and then I get a call this year on XX/XX/XXXX with the same Information just a different company name and the same account numbers and almost the same amount they want almost {$1900.00} and they are trying to make me pay just like the first time I really need some Help I can email you all the information they sent me
Product: Debt collection

True accord debit collection called me about a debt from XXXX XXXXXXXX XXXX This debt was a result of identity theft - using my old address ; I use a corporate phone and further have no affiliation with XXXX XXXX. I called XXXX XXXX when this issue came up 3 years ago. After filing a police report for ID theft, XXXX XXXX XXXX the debt. 

Why am I still getting calls about this?
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Delete and type in all the inaccurate accounts in here. 
Example : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XXXX. 

Source : Experian Date Submitted : XX/XX/year> Estimated Resolution Date : XX/XX/year> Report Number : XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX None : XXXX What now? 

We'll process the disputed items with the data furnisher or vendor that collected the information from a public record. You'll receive alerts when updates are available and when your full results are ready to view. 

Visit dispute center
Product: Student loan

XXXX University XXXX, NC I have started repayment on my Chase Student Loans ( originated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) and am unable to afford the total amount due. Today I learned that my payments have not been applying towards XXXX of the XXXX loans I have with Chase, and my payment is expected to increase once again next month. I am not asking for forgiveness of the debt at all, I just need to reduce my minimum payments. I also want to file a complaint against how my payments have been applied for however long I have been repaying them, as Chase told me today that the XXXX loan without payments has n't shown payment since XXXX XXXX.
Product: Mortgage

My loan was transferred to a new servicer without the legally required 15 days notice. I was notified via TEXT MESSAGE on XX/XX/XXXX that effective XX/XX/XXXX ( 14 days later ) that my mortgage would be transferred to a new servicer. This is a clear and blatant violation of title 12. Specifically 12 CFR, section 1024, paragraph 33 ( b ). The contents of this notice were also missing sections 2-6 as outlined below, thus making the notice invalid. 

( ii ) The name, address, and a collect call or toll-free telephone number for an employee or department of the transferee servicer that can be contacted by the borrower to obtain answers to servicing transfer inquiries ; ( iii ) The name, address, and a collect call or toll-free telephone number for an employee or department of the transferor servicer that can be contacted by the borrower to obtain answers to servicing transfer inquiries ; ( iv ) The date on which the transferor servicer will cease to accept payments relating to the loan and the date on which the transferee servicer will begin to accept such payments. These dates shall either be the same or consecutive days ; ( v ) Whether the transfer will affect the terms or the continued availability of mortgage life or disability insurance, or any other type of optional insurance, and any action the borrower must take to maintain such coverage; and ( vi ) A statement that the transfer of servicing does not affect any term or condition of the mortgage loan other than terms directly related to the servicing of the loan.
Product: Checking or savings account

Over a month, I have attempted several times to open a Capital One checking and savings account by filling out an online application, only to receive a splash page with an XXXX number to call because more information was required. Each time I called the number and was routed to the Customer Protection Resolution Team. I spoke to about 4 representatives ( 2 of whom had heavy accents and I could hardly understand their English ) and 2 supervisors. However, all their responses were consistent in stating that my request to open a checking account has been denied indefinitely because the only information their system provides is that Capital One has ended their banking relationship with me, but it does not indicate any other information as to why the account was closed, thus invoking their decision. Only one representative was able to confirm this action occurred back in 2007, but there is no specific date available in the system. Capital One also stated that I should have received correspondence in the mail regarding this action, but of course that was almost 15 years ago, and I do not remember or have those records on hand to prove anything. All the agents I spoke with admitted that the reason why they have limited information available regarding closed accounts is because they have since upgraded their systems and no longer have access to any records that far back in time. I then inquired about how my recent application could be reconsidered, since that was the case, or if there was a way to show that since 2007, I have not had any such actions taken against me with any other banking institutions. The agents and supervisors all gave the same blanket answer that nothing could be done to reverse or overturn Capital Ones decision, as it was permanent and indefinite. I have been in good standing with a Capital One credit card Ive had for many years, I am a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my mother has a long-standing account with Capital One ( when they were XXXX  XXXX  ) and it would make banking easier for us as I often transfer and move money back and to her account. Therefore, it seemed like a logical decision for me to also open a checking account with Capital One. Im disappointed that they are so rigid and unforgiving in their decision given that whatever happened with my account was so long ago and they havent been able to prove or give a detailed explanation as to why. Im also disappointed that they do not offer any opportunities to remediate the issue either. Even bankruptcies fall off credit reports after 7 years! Im pretty sure that whatever happened to cause my account to be closed was not due to any fraudulent activities on my part. I may have had a financial hardship during that time, but the details are still fuzzy because its just been too long ago and so many things have changed in my life since then. I can understand being penalized for some time until I can prove to be worthy of banking with them again, but to have this red flag on my account with them forever is a stretch! Ive never had any issues opening checking or savings accounts before now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and Inquiries appearing on Credit Report. 


Accounts XXXX. XXXX XXXX {$71.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Debt collection

Collection agency has not provided validation information uner 12 CFR 10006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and decptive means.

Collection agency has no authority to furnish my account to a consumer reporting agency without my providing and and all disclosuresrequired by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ) I am disputing owing any and all debts to them. I revoke all rights of all claimants communicating with me through email, texts and calls.

I am requesting debt validation. I am also requesting the purchase agreement between the debt collector and the original creditor.

I am also requesting that the debt collectors are licesened and bonded
Product: Student loan

On XX/XX/XXXX I spoke with Navient regarding some loans that I did not realize were part of a different arrangement and not under school deferments regularly. I have a private loan in particular that was in arrears and I arranged to do a retroactive forbearance to bring it current while I sorted out my school deferment process to bring these loans out of repayment. I did this once before, in XXXX of XXXX, and they did not charge me for the practice of forbearing them. This time, as they had years ago when I last needed to do this, they charged me {$50.00} as a good faith payment that they said is standard operating procedure. In the fall I received a settlement from them due to a multi-state lawsuit regarding private student loan practices for borrowers having difficulty repaying their loans and I was specifically refunded for these {$50.00} charges that they should not have charged. It's rather strange when asking for a forbearance due to payment difficulties that Navient asks to collect a good faith payment without saying exactly where this money is going ( to principal? total capitalized debt burden? ) but anyway, it seems they have resumed a practice they seemingly acknowledged was not proper in the past.
Product: Student loan

I am a XXXX who is utilizing the Public Service Loan Forgiveness Program ( PSLF ). I recertified my loans XX/XX/XXXX and switched loan programs from the IBR to the Pay as Your Earn program. I called multiple times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to make sure the forms were filled out correctly and everything would be processed on time. Despite my efforts, the forms were not processed correctly. I should have only been billed for a {$5.00} forbearance payment in XX/XX/XXXX ( mandatory to switch to PAYE ). However, for some reason my forbearance was not processed correctly and I was billed my normal payment amount of {$650.00}. Further, if I made this payment it would not count to the PSLF program. I was told on multiple occasions that I would receive a new bill for only {$5.00} sometime from XX/XX/XXXX to XX/XX/XXXX but that bill was never received. I called again on XX/XX/XXXX and was told the forbearance was not processed and I had to submit a new forbearance request. This new request was finally processed on XX/XX/XXXX and due to that, my forbearance payment would not be made until XX/XX/XXXX and I would not officially be recertified under PSLF until XX/XX/XXXX. As such, I am losing 2 months worth of payments that should be eligible under PSLF ( in addition to the one month forced forbearance to switch to PAYE as well ). The loan company essentially told me there is nothing they can do despite that I did nothing wrong, called multiple times, and was very proactive in trying to prevent this problem. This is very typical of my experience with the loan company and the PSLF program. Every year, either my wife or I have issues recertifying for one reason or another. Many times the loan company just miscalculates how much our payments should be.