23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have logged previous complaints, reference # XXXX and XXXX. I signed my mortgage note in XX/XX/XXXX with XXXX, OCWEN purchased it in XXXX XXXX. In the note that I signed, there was no escrow, I was responsible for my property taxes and homeowner insurance. I have complied with the terms of my note to date. I pay my mortgage every month, I have paid property taxes and insurance. OCWEN has added charges and fees to my account that have nothing to do with my mortgage payment. In XX/XX/XXXX OCWEN stopped accepting my mortgage payments, every month I sent in what they returned plus the current month. After XXXX months, they accepted my payment in the amount of {$6900.00}. I requested a loan modification. The terms of the modification were XXXX % apr, account by law must be escrowed and at the end of the XXXX ( XXXX ) years a balloon payment of over {$38000.00} was due. When I stated that I would not accept those terms, OCWEN started returning my payments. The principal balance due on this loan is {$93000.00}. OCWEN states that pay off amount is {$100000.00}, the difference being {$10000.00}. Including XX/XX/XXXX 's mortgage payment, {$5400.00} is due leaving a balance of {$5000.00} which are charges and fees that have nothing to do with mortgage payments, OCWEN has initiated foreclosure proceedings. How is it that OCWEN can report to the credit bureau that my mortgage payments are behind when every month that I send in my payment, they return it unsubstantiated. My last payment of {$4600.00} for the months XX/XX/XXXX through XX/XX/XXXX was returned. In addition to returning mortgage payments, there are XXXX years of duplicate taxes with the county, the last installment for XX/XX/XXXX, OCWEN paid twice. I am requesting that the situation be investigated. I have adhered to the contractual commitment that I signed. I have paid my mortgage, property taxes and insurance as required. How is it that OCWEN can report negatively to the credit bureau and initiate foreclosure proceedings.
Product: Checking or savings account

wells fargo incorrectly gave me overdraft charges from the year XXXX and when hacked my identity was stolen by them
Product: Credit reporting or other personal consumer reports

I need your assistance with this incorrect account listed on my credit report. This issue is harming my reputation, and I require your support.I have asked for your assistance to dispute these irregularities I have found when I asked for my credit report from the bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

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
Product: Debt collection

Convergent outsourcing is a debt collection agency this agency has called me a year straight two to three times a day using an Alabama number. Posing as different collection agencies. They lied on my credit report that I have a XXXX XXXX account in collection earlier this year. I knew it was a lie because I had XXXX XXXX for almost 5 years now. I reported XXXX XXXX  account about in 2009 that was not mine. Now almost 13 years later convergent outsourcing says I didnt pay XXXX XXXX bill. When I asked for a copy of this so called contract or service with XXXX XXXX they cant produce it. Its a lie convergent outsourcing is lying on consumer credit reports and I have uploaded or will upload a snap shot Here are the numbers they called me from over a 100 times 3XXXX XXXX And as soon as my credit was in the high XXXX score they added a collection account
Product: Debt collection

I extended credit to Discover financial services for the amount of {$200.00}. After the account became XXXX the negative, I settled the debt without being notified of my right to dispute. According to the FCRA I HAVE THE RIGHT TO DISPUTE any and all information on my credit file. Section 623 ( e ) prohibits information furnished from providing information to a CRA that they know or a reasonable cause to believe is inaccurate. Upon looking at my credit file, how can a third party debt collector radius global solutions verify any information due to the fact we never entered into a contract together. Attached you will see all the inaccuracies that are being reported on my file. The date last active are showing two different dates and the date of last payment are showing two different dates. Under payment status it shows unknown on one and the other it shows collection/chargeroff. Also, the last reported dates are different. Now, they have violated me several times under the FCRA ( 15 USC 1681, 1681e, and 1692g. I will be forced to file a law suit and contact my Attorney GeneraXXXX XXXX and the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to dealership XXXX XXXX XXXX XXXX XXXX XXXX to look for new car. I didnt like prices there, so I left the place even without negotiating the price To my surprise, they pulled my credit score twice without my permission As a result, my score dropped down with all consequences. 
I believe it is invasion of privacy
Product: Credit reporting or other personal consumer reports

MICHIGAN XXXX XXXX I, XXXX XXXX, being duly sworn, depose and say : XXXX. Personal Information : - My full legal name is XXXX XXXX. 
- My current address is XXXX XXXX XXXX XXXX, MI XXXX. 
- My date of birth is XX/XX/XXXX. 
- My Social Security Number is XXXX. 
XXXX. Purpose of Affidavit : - I am submitting this affidavit to demand immediate resolution of an inaccurate bankruptcy entry on my credit report. 
- This entry constitutes a serious misrepresentation that negatively impacts my financial reputation. 
XXXX. Details of the Disputed Bankruptcy : - The bankruptcy entry is associated with case number XXXX. 
- The bankruptcy was filed in USBK COURT XXXX MICHIGAN, located in XXXX, MI. 
- Date of filing : XX/XX/XXXX - Date of discharge N/A XXXX. Basis for Dispute : - The bankruptcy entry has been " verified '' by the credit bureau ( s ), yet no verification has been conducted by the original furnisher of this information. 
- Attached is a letter from the bankruptcy court explicitly stating that they do not furnish information to credit bureaus. 
- This invalidates the so-called verification process and demonstrates clear negligence or misrepresentation on the part of the credit bureau ( s ). 
XXXX. Demand for Immediate Action : - I demand the immediate removal of this bankruptcy entry from my credit report. 
- I also demand that you provide the specific details of who " verified '' this information and what methods were used. Failure to do so will be viewed as further evidence of willful non-compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Legal Consequences : - Be advised that if this inaccurate information is not removed, I am prepared to file a lawsuit for willful misrepresentation and violations of the FCRA. 
- Your failure to ensure accurate reporting and your reliance on unverified or non-existent sources will be fully documented and presented in court. 
XXXX. Supporting Evidence : - Attached to this affidavit are : - A copy of my credit report highlighting the disputed bankruptcy entry. 
- A letter from the bankruptcy court confirming they do not furnish information to credit bureaus. 
- Any additional relevant documentation. 
XXXX. Sworn Statement : - I certify under penalty of perjury that the information provided in this affidavit is true and accurate to the best of my knowledge.
Product: Mortgage

I submitted my application for refinancing to " Golden Oak Lending on XX/XX/2020. 

My loan officer at Golden Oak Lending, informed that he could refinance my home loan, with the Chapter XXXX bankruptcy in place. I was informed that I needed " 2 '' out of 3 credit scores to be above 580. 

According to Golden Oak Lending, they submitted my application for refinancing but reported was declined due to my low scores, but failed to give a date, of when it was submitted to their underwriting team. Based upon their response, they pointed out that being in a Chapter XXXX, my scores currently reflect ( XXXX, XXXX ). The question is obvious, how do Golden Oak Lending, know what my current scores are, if indeed they have closed my case, as it pertains to their denial? 

I am submitting evidence that contradicts this assertion with Golden Oak Lending of me having low credit score ( s ) at the of refinancing with them During the time of my refinancing process with Golden Oak Lending, my scores were in the acceptable guideline range for refinancing while in a Chapter XXXX. My score with XXXX XXXX alone indicated ( XXXX ), ( XXXX ) and ( XXXX ), substantially, well above required range. 

All these scores, Golden Oak Lending were privy too and had knowledge of, during my refinancing application process. It was not until, I contacted the corporate office and filed a complaint with the ( CFPB ), that they changed their direction and/or standing in approving my loan. 

Just to provide additional supporting evidence, to prove the discrepancies, in their report, I had to insist upon Golden Oak Lending, following proper protocol, when it comes to an applicant 's denial. I asked, that they send to me in writing a denial letter. 
Subsequently, I received a letter on ( XX/XX/2020 ), of which was post marked for ( XX/XX/2020 ) ; which again, was after the filing of the complaint ( s ). Thus, the evidences shows their negligence in consumer and lending regulatory guidelines. 

In closing, Golden Oak improperly/ missed handled my refinancing application submitted to them, my credit information and negatively has impacted my credit report. 

I am requesting that Golden Oak present their underwriting documents to support their assertion ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is double reporting with XXXX # XXXX on my credit report. I got scammed via my XXXX   XXXX when someone got my info and had {$5000.00} deposited and then told me to send {$2500.00} of that to them via XXXX XXXX. I got a police report number to file but got a judgement. I was served and signed an agreement with XXXX to pay off the rest. XXXX XXXX should be a zero balance and I should not have these accounts as they are fraud.
Product: Checking or savings account

Marcus by Goldman Sachs is freezing my funds, holding them needlessly upon deposit. It's happened to me on XXXX separate occasions where it's taken nearly a week to access funds in XXXX and now in XXXX. I need flexibility and access to my funds in the standard XXXX business days. There is no reason for it to take a week to transfer from XXXX domestic bank to another. The site says the transaction was " posted '' on XX/XX/XXXX but won't be available until XX/XX/XXXX.
Product: Mortgage

It appears to us that Pennymac has created circumstances that resulted in charging overdue fines of {$320.00} over a three month period. We had mistakenly underpaid our payments for XXXX, XXXX, and XXXX by {$220.00} because we had not received notification that our payment was going to increase by that amount from the previous amount of {$1900.00} which we had been paying since the loan inception via auto-pay from our credit union where there had been a total balance in our accounts of XXXX XXXX on average since the loan inception. 

Pennymac has claimed that they had notified us via email but they've been unable to document that any such email had been sent and we don't have any record of it. We've also NOT been able to access any information on our account on their website even after multiple attempts and calls to customer service. ( We've spent over six hours on the phone with Pennymac trying to access our account online. My work includes providing online software support and I am very familiar with how websites are supposed to work. )
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent credit Inquiries on my credit report without my consent., nor did I give anyone authorization to do so. I am requesting that these Inquiries are deleted Inquiries : XXXX XXXXXXXX XXXX XXXX via XXXX XXXX -Inquiry date : XX/XX/2021 XXXX XXXX XXXX Inquiry date : XX/XX/2021 XXXX XXXX XXXX  -Inquiry date : XX/XX/2021
Product: Credit card or prepaid card

Fraudulent charged of my credit card, US Bank Edge - Ending # XXXX. 
Good day! 

My complaint is regarding the fraudulent charged to my credit card US Bank Edge ending {$9100.00}. 
First of all, I paid off the previous balance of {$130.00}, XX/XX/XXXX 
I received a letter stated that it was late one day, so they want me to pay the late and late interest. 
I called and told them that, it was fully paid stated previous balance month of XX/XX/XXXX. 
Per conversation, cant waive the full amount because of the interest earned from the one day late fee. 
They asked me to pay {$25.00}. I dont believe consumers have to pay interest earned from the late fee. 
I received a letter that I owe {$4.00} which is another fraudulent charged. 
The US Bank Edge was doing fraudulent charged to the consumers and that is not acceptable or illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XX/XX/2023 XXXX  XX/XX/2023
Product: Mortgage

I am writing to you to file a complaint against PenFed Credit Union and the administrators of my mortgage and escrow accounts. Due to the mishandling and miscalculation of my property taxes, there is a substantial increase of my monthly mortgage payments. In late XXXX, or early XXXX, I received an Escrow Account Disclosure Statement letter stating that my mortgage would increase from {$1600.00} to {$2100.00} effective XX/XX/year>. This is an increase of {$520.00} a month. 

I called PenFed and spoke to a couple representatives in the mortgage services department only to find out that there were numerous mistakes made and due to their error and negligence, and also an increase in my property taxes and slight increase in my Home Owners insurance, I feel I am being penalized for their total disregard of my finances and the mishandling of my account and have been unprofessional during this entire ordeal. 

I would like your organization to conduct a thorough investigation of my account, and for someone to look into my escrow account and explain why I must pay an additional {$520.00} per month to cover all the increases and the depletion of my escrow account which I can only place the blame on their negligence and incompetence of their mortgage service team for the mismanagement and miscalculation of my escrow account.
Product: Credit reporting or other personal consumer reports

A Lady called from XXXX saying that She received MY request, regarding to MY request for a copy of my report. she Already knew I had no ID because she had the copy of the police report in front of her, but she asked Me to provide a paper ID I told her No because I was out of state and it will take XXXX days to get texas to send XXXX in the mail. After that she started to say that she only had the police report and when she started to say if she had the form with. the police report she could do something.I then said I have a copy of the fat that I sent her and pulled it from my Files and told her the time it was sent. She said wait here it is. 
Then the she decided to not process my report Even after she made if seem like she would if she had the form that she now had. she knew all MY documents were reported stolen and didn't even offer to place a freeze or alert on my report. Then hung UPthe call come in around XXXXXXXX XXXXXXXX time zone. 
.
Product: Vehicle loan or lease

I have a lease with Lexus Financial Services ( 'LFS ' ). 

I PAID the lease perfectly for almost XXXX years. 

In XX/XX/year>, I changed banks. 

I reset my XXXX XXXX by inputting my new bank account & routing numbers. 

XXXX  FAILED TO DEBIT my XX/XX/year> payment. XXXX acknowledged that I properly reset auto pay with my new bank. 

In XXXX of 2024, I was surprisingly-notified of a 'late payment ' as a result of XXXX 's FAILURE XXXX DEBIT. 

The week of XXXX XX/XX/year> I spoke to a XXXX at XXXX named XXXX '. 

XXXX said I owed {$1100.00} due to the 'late ', non-debited by XXXX XXXXXXXX. 

I immediately paid the {$1100.00}. 

I followed up with XXXX who ASSURED ME THAT MY ACCOUNT IS PAID AS AGREED 0 x 30 days late as a result of XXXX 's FAILURE TO DEBIT. 

Unfortunately, XXXX XXXX XXXX LIED to me. 

The account is ( erroneously ) reporting me late. 

The 'late ' payment has & is costing me tens of thousands of $ $ dollars via high finance costs & loss of business. 

Not only is this costing me dearly personally, it is categorically tortious interference of my business, a highly-costly negative externality. 

***PLEASE ASK XXXX TO CORRECT THE CREDIT REPORTING IMMEDIATELY & REMUNERATE ME FOR BEING DAMAGED*** With Gratitude, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/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 ) to be in error : 1. Validate Account Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 



After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/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 ) to be in error : 1. Validate Account CREDIT RCVRY Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Also, please send a complete copy of my entire consumer credit file. I do not want the disclosure. I want the actual complete and comprehensive file for all of the accounts that you current possess of mine. 

Thank you for your time. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX and Pay Pal have worked together using the virus as an excuse to de fraud me out of money that the seller agreed to pay me back. But XXXX in order to keep the commissions from the seller has made it impossible for seller to refund through normal XXXX  procedures. Pay pal that guarantees to make non received purchased protected by a money back and is making it impossible for me to receive my money back. If you read from the bottom up what I am trying to send you and it is only a portion of the events pay pal and XXXX  have conger ed up holding one XXXX to the distance and the personal contact needed to correct the matter and use the poly of the virus to eat up the time to make the process work as they both represent it as is guaranteed to happen. My bank tells me that they hear this a lot and their hands are tied once I released the funds to pay pal. If they can stay open to take my money they can help me when they have made a mistake. 

On XX/XX/2020, I made a purchase for XXXX. on XXXX. I paid through pay pal immmediatly via pay pal. after I made the pay ment I went back and reviewed my purchase and discovered that the item was not totally correct. Immediatly I cancelled the order and emailed the seller and he cancelled it on his end and agreed not to ship out the items. XXXX in their scam emailed me and said could not cancel because item had been shipped. That was impossible since it was XXXX XXXX  in the morning and XXXX XXXX  in the morning their time. Pay pal and XXXX  refused to refund money until I sent the item back even tho I sent them emails from the seller saying he did not ship the items and would be willing to refund my money. 

It has been three ridiculous, frustrating months which I would like to show you of trying to get this money back to no avail. I live on XXXX dollars a month social security and XXXX I can not afford to loose. You need to see my evidence you would agree that it is a scam. It doesn't appear as tho I will have room on this page to forward it to you.
Product: Debt collection

I contacted XXXX XXXX regarding the account that Nissan motor acceptance sold to them. When speaking to the supervisor, I asked for documentation validating the debt and also why they are not accepting any payments to alleviate the debt or get the debt removed. The agent told me that they can not provide me with information that I have to contact my state representative. Being that I didnt get this information Im not able to Understand what is happening with this account and why its still reporting on my report if they do not want any business with me.
Product: Debt collection

Wakefield & Associates mailed a collection letter I ask to be remove and revoke any forms of communication and damage done to my credit.