23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH Ocwen loan number XXXX XXXX XXXX XXXX XXXX CA have been trying to get a loan modification my principal residence my husband is a XXXX XXXX XXXX veteran we are XXXX and XXXX years old. The home has been in my family for 67 years. I received a streamline mod of XXXX a month way more than we could afford on a veteran and social security XXXX income Ocwen/PHH knew it is not 31 % of our income. On the documentation there was a place to sign for a short sale on XX/XX/XXXX I signed it and procured a realtor. We received a great offer. Here is what happened next. They emailed today the day before my sale and said they did not have any documents In response to the email received I have now faxed 52 pages to them again at the number they provided. 
These same documents were emailed to Ocwen Mortgage On XX/XX/2019. On XX/XX/2019 I spoke with XXXX ( employee # XXXX ) at PHH Mortgage who advised loan transfer had not been completed, to call back on XX/XX/XXXX at which time ALL documents should be in the system. 

On XX/XX/XXXX I spoke with XXXX ( employee # XXXX ) who confirmed that ALL documentation had been received and that I would receive a phone call from the short sale Department within 2 business days ( i.e. XX/XX/19 ). 

To-date I have received no communication either by phone or email from the short sale department until XXXX this morning when they said they dont have the documents. 

I have NEVER been able to reach the Relationship Manager assigned to this file, XXXX XXXX XXXX either by phone or email. 
He has never responded to an email sent to him or to voice mail messages I have left. 

I find the " delay tactics '' being used by Ocwen/PHH Mortgage to be extremely unethical and am at a loss to understand why they would not wish to entertain an offer on a property. 

While sending this email, I was on hold waiting to speak to XXXX XXXX XXXX for the last 45 minutes - again I question if there overall intention is to provide assistance or not. 

Delay tactics no one to talk to? My husband and I are trying to do the right thing on a mortgage that is really not even valid. As far as I am concerned Ocwen/phh is stealing and we the senior citizens veterans normal people are XXXX forever. How can you not do something about this company? I thought you are to protect the consumer! XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B, in my understanding, necessitates the elimination of any incorrect accounts from my credit report. Would you mind verifying the documents? Certain listed accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, the funds for the remaining monies owed on the title loan ( {$64.00} ) was paid to Titlemax XXXX Resolution Department located in XXXX, Texas. I was informed I would receive release letter via mail. When I did not receive the release letter within two weeks, I contacted the Resolution Department in Texas. The representative said it would take up to 14 days before the release letter would arrive to my address. I provided the representative my current address. I waited three weeks before contacting the Resolution Department again. The representative advised the account had not been paid. I provided the representative with the confirmation number provided by the initial representative. I offered to pay the balance again. However, the representative voiced she would send it to the compliance department to resolve the matter. When I didn't hear anything, I called Resolution Department a fourth time. I was on hold for approximately 45 minutes. My wife attempted to resolve the matter. She spoke with XXXX XXXX, who provided an email address to send confirmation of the payment. XXXX XXXX stated she would send the documentation to compliance. My wife called XX/XX/XXXX to find out the status of the title release. XXXX, a supervisor, indicated no action had been taken to release the hold on my title. It has been 3 months and I still have not received a release letter or a clear title to my vehicle. I have been given the run around going from Titlemax in XXXX, Georgia to making numerous telephone calls to resolve this matter.
Product: Debt collection

On XX/XX/2023 I got emails from XXXX about new derogatory mark on my credit report. 
As it turned out that was collection account opened by Credence Resource Management LLC on total {$110.00} pointed as past due XX/XX/2023. 
I have never got any letters ( debt verification one ) from Credence Resource Management LLC related to this debt. I don't know information about that debt, who original creditor is. 
Moreover, as XXXX  XXXX resident I didn't get any notices that some original creditor sold the debt to third party ( collector ). 
This unlawful actions from Credence Resource management LLC breach my right to dispute the debt ( if it exist ) and damage my credit report which in turn gets worse my financial stability.

I don't exclude that Credence Resource Management LLC use false and fake information as fraud tool to made me pay off non existing financial obligation.
Product: Vehicle loan or lease

My company was late on payments from XXXX until XXXX on lease payments, we did pay what we owed in XXXX, now looking through the invoices the leasing company charged us over {$960.00} in late fees, even after we paid the last invoices they still charging us over {$300.00} in late fees, they are not want to remove and Im taking to account agents that really dont care how we are treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made an attempt to reach out to the debt collector, in XX/XX/2022, to resolve this manner for {$1400.00}. The contact number that is listed, there is never anyone available to reach. I do not feel comfortable leaving a voicemail with my name and contact information due to the circumstances. I spoke with a representative at XXXX to gather more information that was listed by the debt collector because I was sure that I had no dealings with " XXXX XXXX XXXX, XXXX ''. I have also reached out to the original creditor, in XXXX XXXX, and they stated that there was a {$0.00} balance and no outstanding balance with them. The original creditor stated that everything was already paid for by my insurance, in both XX/XX/2022 and XX/XX/2022. On XX/XX/2022, I was provided the number to XXXX XXXX XXXX, XXXX patient services for billing and spoke with ( XXXX XXXX who also stated that there was no balance for services with them. She also stated that she was able to see all dates of services and the balance ( s ) were {$0.00}, all paid by insurance. Also, she ( XXXX XXXX stated that if anything was sent out with collections she would have been able to see that on her end and there was nothing in collections. This account is deemed to be fraudulent and I am requesting for further actions to take place so that proper removal may be rendered.
Product: Credit card or prepaid card

We have a Chase Visa freedom card. We noticed a series of {$10.00} fees that were appearing on our statement without explanation. When we contacted the credit card company, we were told that these were cash advance fees, even though we were not asking for cash advances. The representative claimed that when the credit card was used with an app called XXXX, that is how it was coded in the system. She said this was disclosed on XXXX website. we asked her to identify where, on XXXX website this was disclosed, and she then pretended to know, and when we pressed her was unable to find it. She was an account supervisor in the customer service department at Chase from their Missouri office, and her name was XXXX. When we confronted her with the fact that she had misrepresented the disclosure, and that she knew where it was, she hung up the phone on us. The total amount of fees is {$170.00}. The call took place on XX/XX/XXXX at approximately XXXX XXXX ET, from our phone number XXXX.
Product: Mortgage

In or about XXXX XXXX, I was XXXX which XXXX. The boat that I was riding on for this XXXX race crashed and I XXXX, which left me unable to work. I was able to obtain a reverse mortgage with Champion Mortgage at the time. I was responsible to keep up with the property taxes. I fell behind on my taxes with Champion and they were gracious enough to allow me to pay {$210.00} per month until the {$7600.00} was paid off. I executed a contract with Champion. After making two payments to Champion, the loan was transferred to XXXX. XXXX refuses to acknowledge the payment arrangement I had with Champion and is now threatening to foreclose on me. Two weeks ago when I called, I was informed that to avoid foreclosure, I would have to pay a lump sum of {$7600.00}. I sent XXXX a chashiers check and they refused to cash it. They are claiming that they paid over a XXXX on XXXX XXXX, XXXX for my property taxes. However, I had paid the property taxes on XXXX XXXX, XXXX. I borrowed the money to pay off the balance DESPITE the fact that I was on a re-payment plan with Champion and XXXX refuses to acknowledge. Now, XXXX mistakenly paid property tax which I already paid and they are refusing to stop the foreclosure process even though I jsut gace them a LUMP sum of {$7300.00}. Not only is XXXX acting unreasonably but they are violating the agreement I reached with Champion. Now they are going back on the amount stated to me that needed to get me out f foreclosure, I am XXXX I am over XXXX years old,, I am current with my property taxes and I just gave XXXX a check for {$7300.00}. They made the mistake of paying a property tax in addition to what I paid. I am on a fixed income and I can not give them the extra {$1000.00}. Please tell them not to treat old and XXXX people in this manner. They could easily have worked with me so as to avoid foreclosure they have a lump sum of money and they want to throw this old and XXXX man on the streets when I have complied with every demand. Why is Chamption allowed to enter into a contract with someone like me then when the loan is transferred, isnt it Champion 's duty to make sure the new owner of the loan is aware of the contract entered into with them. Please force Champion and other lenders dealing with old people to make sure they handle the loans properly and to ensure that if they enter into a contract the new servicer or owner also ABIDES by the contract. Please help me XXXX bless you.
Product: Debt collection

I've asked numerous times for debt VALIDATION and they will never send me documents I am asking for. What makes things worst before this not knowing of these accounts, my assistant sent out payment to Portfolio recovery in full on both account one for {$11000.00} and another for {$3600.00}. Payment was sent certified mail, it came to my attention when I received a refund check for overpayment on the accounts and they're still harassing me with letters that I owe them, this is absurd. I will attach copies of payments and refund check from Portfolio Recovery.
Product: Debt collection

I have sent this company a cease-and-desist letter. this company has refused to adhere to the to the federal guidelines by ignoring my request in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of XXXX. please have this company cease all collections activities this is my last attempt to complain outside of court.
Product: Student loan

I have defaulted on a student loan from national collegiate trust which was being paid via XXXX XXXX XXXX XXXX XXXX XXXX refuses to provide me with the contact information for XXXX XXXX XXXX and sent the defaulted loan to SIMM ASSOCIATES. SIMM ASSOCIATES continues to harass me about the defaulted loan demanding I pay the full $ 41K immediately and I have no means. I have requested, via certified mail that the debt be validated and I receive information on the original creditor of the school loan and SIMM ASSOCIATES has failed to do so but continues to call. All I am doing is trying to validate the debt as what SIMM ASSOCIATES is trying to collect on is not what I have in my own personal records. I would also like to settle and work with my original creditor on this issue. SIMM ASSOCIATES continues to use harassing practices while calling me at work, fails to send proper documentation, or says they have sent the proper documentation and I have yet to receive any information.
Product: Debt collection

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Debt collection

I have had XXXX service for the last XXXX years. I had an account at a previous address that was current and active, and I transferred my service to a different address when we moved. I was then told I had a previous balance from a different address of {$66.00}. You are unable to get any service at a new address with a previous balance, which means there should have been no balance as I already had an account. I never received notification of any debt or my right to dispute the debt although they had my current address. I am disputing I owe anything to XXXX, as I still have their service currently.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

The following items I am disputing are the following : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated.
Product: Debt collection

The company is Capital One. They Robo Dialed my cell phone from XX/XX/2018 to present. I spoke with a representative in XXXX and asked that they discontinue the calls.Because, I was XXXX and XXXX XXXX XXXX, the account fail behind. However, I was able to reinstate my monthly payments in XXXX, but unbeknownst to me, the account was charged off. That said, Capital One continues to call using an XXXX exchange, and when I dial back. The person who answers states that the call is being recorded and they are employment specialists.
Product: Checking or savings account

On XX/XX/2019, I sent Navy Federal Credit Union ( NFCU ) a written request for debt validation under the authority of Fair Debt Collection Practices Act, 15 USC 1692g, in connection with a debt collection letter I received from NFCU on XX/XX/2019. Today, XX/XX/2019, I received a letter from NFCU dated : XX/XX/2019 that states that they have reported my account to the major credit bureaus, despite their failure to validate the debt, or prove their claim. I have attached the letters as part of this complaint. 

Possible Intent : NFCU did not respond in good faith when I disputed a {$2000.00} charge on my credit card in connection with services that were not provided as promised/agreed. After unsuccessful attempts to address the problem directly with them including documentation of violations of the Fair Credit Billing Act by them, I filed a complaint with the CFPB. Again, their responses were not in good faith. Ultimately, the CFPB added my complaint to its Consumer Protection Database, shared it with the Federal Trade Commission, who added my complaint to their database for state and federal law enforcement agencies. After that, the CFPB directed me to contact XXXX XXXX, a consumer-protection investigator in DC 's Attorney General 's Office. Mr. XXXX asked me to again try to resolve the issue directly with NFCU. I wrote them letters, but again they did not respond in good faith. Rather they continued to fabricate accounts. Mindful of my interactions with NFCU, I think that it is probable NFCU illegally reported their bill for the checking account to the major credit bureaus to continue their pattern of attacks against me. Perhaps they believe that by attacking my credit worthiness, and sullying my reputation, others businesses and organizations will likewise attack me, or cheat me in my interactions with them. They may hope that I will be bullied into silence for fear of attacks from them and/or their accomplices, so they can dually avoid accountability for defrauding me of my right to recover the {$2000.00} payment, as well as deprive me of my rights that exist to guarantee that no one can treat me this way. This is a statement of a hypothesis that I have confidence in. To the extent that it is reasonable, I will share the evidence of my claim as appropriate. NFCU likely knows that their actions are illegal. However, hopefully by sharing this information with them, they will cease and desist, rather than continue their pattern of criminal conduct and unethical dealings. I have attached the documents that prove my claim in connection with their recent actions. I can also make available the documents that relate to my previous complaint, as well as other evidence that record my interactions with NFCU.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Incorrect Information on Credit Report Dear TransUnion Dispute Department, I am writing to formally dispute the inaccurate information reported on my credit report. Despite multiple previous disputes, the incorrect information has not been deleted. Specifically, the following XXXX XXXX  XXXX accounts continue to appear inaccurately on my credit report : Account Name : XXXX  XXXX Account Number : XXXX Balance : {$480.00} Status : Charged off as bad debt Comments : Dispute resolved reported by grantor Account Name : XXXX  XXXX Account Number : XXXX Balance : {$510.00} Status : Charged off as bad debt Comments : Dispute resolved reported by grantor Basis for Dispute 1. Violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), if the reinvestigation does not resolve the dispute, the consumer reporting agency must provide a notice of the consumer 's right to add a statement to their file disputing the accuracy or completeness of the information. I have not received such notice nor any satisfactory resolution to my disputes. 

2. Inaccurate Reporting and Lack of Proper Verification The XXXX  XXXX accounts listed above do not include the full and correct account numbers, which is necessary for proper identification and verification. The vague comments " Dispute resolved reported by grantor '' are insufficient and do not provide any clarity or evidence supporting the resolution of my disputes. 

3. Inconsistent Reporting Across Credit Bureaus XXXX and XXXX have not reported these XXXX  XXXX accounts at all. This inconsistency suggests that the accounts may be inaccurately reported or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$900.00}
Product: Debt collection

On XXXX at XXXX spoke to a rep at XXXX financial services XXXX where I was told they would call my job if I did not speak to them, I then told him not to call my job. The rep intern told me I 'm to worried about them calling my job and I need to handle to issue now. I advise I do not want any calls and to send any information by mail. On XXXX at XXXX I received another call after I specifically stated not to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020