23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought my home 11 years ago inXX/XX/XXXX. The loan I got was a terrible balloon/arm 30 year loan. The original loan servicer was XXXX XXXX XXXX. Then the loan was transferred to XXXX XXXX XXXX.  And then it was transferred to Ocwen Loan Servicing. Ocwen has been servicing my mortgage for about the past 6 or 7 years now. In XX/XX/XXXX I ran into financial problems and was n't able to afford my monthly mortgage payment. So I tried twice to get my mortgage modified through Ocwen. During the second try, someone from Ocwen actually told me over the phone that I was approved for the modification and that my monthly payment would be around {$580.00}. I was so relieved until Ocwen sent me a letter saying I had been denied a modification. When I called them to figure out why they told me I was approved before. They told me they would have never said anything like that over the phone. So in order to save my home, I filed for chapter XXXX bankruptcy. I have been in Chapter XXXX bankruptcy since XX/XX/XXXXand I have just a few more months left to pay. So on XX/XX/XXXX, I received a verification of mortgage account letter from Ocwen and they are claiming I have a 45 year mortgage when I should have a 30 year. So I call Ocwen and they tell me " Oh its just a typo ''. So I just go about my business thinking everything 's OK. Then on XX/XX/XXXX I receive a mortgage payment change letter from Ocwen . And on the second page under the " New Interest Rate and Monthly Payment '' section, Ocwen claims I have 408 months left on my mortgage. Which would mean I have a 45 year mortgage. How did my 30 year mortgage become a 45 year? This is n't right at all. Also another complaint is my mortgage payments have fluctuated alot over the past few years. You will find my original loan terms document and both Ocwen letters attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed XXXX XXXX ( XXXX ) in 2020. I set up automatic payments and put two forms of payment on file to ensure there would never be an issue with payments. About a year later, Westlake portfolio became the service provider. I received a letter notifying me they would be the new service provider, but not to worry because nothing would change. Since they never asked me to update any payments, I was under the impression everything was fine on their end. A few months later, I kept getting emails from Westlake stating my payments were late. I logged into the online portal, but it displayed that I was current on automatic payments and showed no disruption in payment history. I made a payment anyway, but it kept happening. Finally, back in XXXX, I got a notification that they had reported late payments to the credit bureau. I called Westlake and immediately told them the situation. I asked them to please remove the late payment. They saw I had the payments set up in the system. I went ahead and paid off the balance, and the person ensured me it would be removed. I paid it off in XXXX, and it is still showing up on my credit report incorrectly. I have tried multiple times to talk with the company, and they keep telling me they can't help me. This company is reckless and unethical.
Product: Student loan

Going back to the choices of colleges, I never attended Any college, so I dont have Any student loans to pay back. I had to choose a school because the system wouldnt allow me to go forward. These calls for student loans are coming in at XXXX and go on All day long, not to mention home mortgage calls as well. Im getting harassed everyday all day in spite of me selecting the do not call button, they still call. They call and hang up, they call and leave messages, it just continues.
Product: Credit card

On XX/XX/2023 a payment was made to my BofA account in the amount of {$1200.00} but when I went in the next day I noticed it wasn't there. My valid payment went to a fraud account in error that had not been removed from my online bill pay. I contacted BofA to advise and they transferred my payment to my correct account at that time which caused an overpayment. I advised the representative at that time that I just wanted them to keep the overpayment on my account and I had stuff coming through that would basically wash the credit balance. I received my statement and it said that I was past due. At that time it was also saying that I owed {$1900.00}, which I only actually owed a little over {$500.00}. I was extremely confused and noticed on my statement that on XX/XX/2023 my payment was reversed which in turn said I was past due which I am never past due. On XX/XX/XXXX I called to find out why my payment was reversed and they could not answer me as to why and said that they would have to research to find out. They did say that it was there error and that they would fix it for me. They removed my late fee and promised me that I would not received finance charges. I I then called again on XX/XX/XXXX and was told that they were still researching and that they would come to a decision as of XX/XX/XXXX. I called the company on XX/XX/XXXX to see why my account was still not credited. They tried to explain to me that they didn't know why and needed to research it again. I asked to speak with a manager and she out in a research request AGAIN to find out what was going on. On XX/XX/XXXX I received a letter saying that my issue was resolved and I received those funds back into my personal bank account, which I did not!!! I then called again on XX/XX/XXXX to escalate to another manager, gave her my personal bank account which is the only one BofA has on file and they told me that they are still " researching '' and I need to wait the 10 days. I have spoken to several people for a total of 5hrs of my time, time that I can not get back. I still have not received a phone call OR my money back to my credit card OR my personal bank account. I feel at this point that they are stealing my money. I owe nothing on this card at this time other than they money that needs to be credited back. I am getting impatient because I am never late on payments and pay in full every month and my cycle date is getting ready to hit soon and I do not want this to reflect on my credit history since this is their error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a social security number " variant '' in my data. I tried to create a dispute with their online tool but they refuse to make the change online and will only allow a phone call. I tried calling them, but the wait time is estimated at over an hour. I do n't have a phone with a battery large enough to be waiting that long.
Product: Mortgage

This is my 18th complaint against Select Portfolio Servicing ( SPS ). SPS never mails RESPA complaint monthly mortgage statement on time always after each month ( 30/35 days late ). For example, I have not received XX/XX/XXXX mortgage statement, even after paying the XXXX mortgage on XX/XX/XXXX. This corporation sends a copy to CFPB, showing how they are complaint on everything. SPS sends very much delayed monthly mortgage statement with an intention that consumer will not know how much to really to pay every month ( as principal gets reduced - interest amount is also reduced ), so that SPS can illegally foreclose consumers home. But if CFPB opens an in-depth investigation into SPSs practices ; CFPB will find ( as other consumers found out ) that SPS is NOTHING but a XXXX, so say the least.
Product: Vehicle loan or lease

NFCU XXXX Navy Federal Credit Union advertises a " low '' rate of 5.99 % for used cars under XXXX  months on their website. https : //www.navyfederal.org/loans-cards/auto-loans/auto-rates.html I have a very high credit score, low DTI, high income, long and continuous job employment, strong cash reserves, etc which has in the past given me the best rates. I however was offered extremely bad rates. Worse rates than my current loan I was refinancing, and worse than a current offer by XXXX XXXX by a high margin. 

I have to ask myself if I could not qualify for their " best rate '' then who in their eyes is able to qualify? Are these rates and their offer for {$200.00} to refinance a tactic to lure consumers into unfavorable loan deals and is anyone truly able to receive the advertised rates that they are offering?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX XXXX : {$12000.00} ; US DEPT ED XXXX XXXX XXXX {$7500.00} ; XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX Owed {$540.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed {$150.00} ; XXXX XXXXXXXX Balance Owed {$0.00} ; XXXX XXXX XXXX XXXX Owed {$110.00} ; XXXX XXXX  XXXX Balance Owed {$380.00} ; XXXX XXXX XXXX XXXX Balance Owed {$690.00}.
Product: Checking or savings account

On XXXX XXXX a savings account was opened at Wells Fargo Bank on XXXX XXXX XXXX  XXXX Arizona. A cashiers check was deposited in the amount of {$140000.00}. The purpose of opening the account was to pay taxes owed in XXXX. This was explained to the Branch manager who made the funds available. On XXXX XXXX a wire of money was attempted to the XXXX Government account. Wells Fargo fraud security department notified us that our account was frozen, we were not worthy customers and they would close the account on XX/XX/2023. I have contacted the following people at the Fraud Department of Wells Fargo. XXXX, XXXX, XXXX and XXXX all within a few days of receiving the letter. Note that no employee would give a last name or employee ID number. I then filed a consumer complaint with the AG office of Arizona. An individual named XXXX XXXX contacted me and stated he was assigned the case and would assist to remedy. XXXX XXXX ( Executive Office Case Specialist ). XX/XX/2023 he sent an email stating it would be 10 days to research this complaint. I contacted him by phone and explained the need of the monies to be released to pay taxes due. Once he became involved Wells Fargo Fraud unit then advised me that they were now holding the funds until XX/XX/2023 because I might put a stop payment on the check they had already cashed. This is obviously retribution by the Wells Fargo Bank Fraud Department for filing a complaint. Thus in turn the employees who have been involved are themselves committing fraud and need to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX  ACCOUNT # XXXX & # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX XXXX ACCOUNT XXXX XXXX & # XXXX XXXX XXXX XXXX ACCOUNT # XXXX ; XXXX : ACCOUNT # XXXX ; 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 shows a credit inquiry that was not made by me or with my permission.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction, Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( g ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have the actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to DELETE THIS ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15USC1692G ( 4 ). 

XXXX. ) XXXX XXXX XXXX  ; Acct. No # XXXX ; Date Opened : XXXX ; XXXX. {$470.00} XXXX. ) XXXX XXXX XXXX ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$480.00} ; XXXX. ) Credit Collection Service ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$640.00} ; and XXXX. ) XXXX XXXX XXXX ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$1400.00}. 

ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 
If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX. 

All Rights Reserved Without Recourse.
Product: Credit reporting or other personal consumer reports

In reference to a complaint made this morning XX/XX/XXXX ( XXXX ) I made a report this morning with the CFPB about XXXX XXXX XXXX XXXX they have went on my TransUnion account changed my report again for the 3rd time this week. Soon as my score go up. They go on my reports and drop my score. I only found out this happened ; because scamming XXXX XXXX XXXX XXXX sent me a email. At this point Im thinking they are working together. I literally just mentioned this morning in my report how they make changes so often. TransUnion is just as responsible, because they allow it. I called TransUnion on XX/XX/XXXX to inform them of this. I also asked them to remove some information that's not mine off my report.
Product: Vehicle loan or lease

I had the following account with XXXX XXXX XXXX for the last several years covering two cars. XXXX. Both of these cars were paid monthly using the autopay feature of the website. The lease on this car ( XXXX ) was extended by me over the phoen with XXXX. I was unaware at the time and was not told the monthly payment ( on the same ar was actually going up ) Either way that affected how the XXXX autopay system works as it was paying the old amount. The original payment was {$320.00} and the payment rose to {$340.00}. The autopay should have paid the entire payment which was due, not the old payment. That is highly unusual to set an autopay and the proper payment is not made. 

I called and was told that I had to manually turn off the autopay to make the payment and turn it back on which I did. I was then out of the country for several weeks and was unaware of any issue. I came back and once notified, this was corrected immediately.. In order to do this I had to turn off the autopay to make the {$79.00} payment. After making that payment I turned on the autopay which had been on covering both of my accounts for several years. Any issue that happened was a technical issue on the website. I have documented that every single payment on both of my accounts was always paid on time and on autopay since the loans were opened. 

I called the company on XX/XX/18 and they were unwilling to resolve this matter without me making a formal complaint. They have market my account delinquent which has a very negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$3000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, pariticularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX  XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.