23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I finally ( after 1 year! ) got a reasonable loan modification from Ocwen -- I thought. After being verbally told that my loan went through ( in XXXX ), I still have not received final loan docs. The problem, I assume, lies within the escrow payment. I have paid my own taxes and insurance since I 've owned my home. Yet, Ocwen has been escrowing my account at ~ $ XXXX/month since XXXX XXXX. 
I 've sent in proof of insurance to Ocwen no less than XXXX times ( since XXXX XXXX ). They put lender-purchased insurance on my account as of XXXX XXXX. I have sent in proof of XXXX and XXXX insurance since XXXX XXXX, speaking with an agent on the average of once every two weeks, with no movement on their part. As of XXXX, I finally stayed on the phone FOR XXXX HOURS while they bounced me from department to department, for me to understand that what one department saw on their computer was not being seen on the escrow department 's computer. Ocwen is always telling me that " they 're researching it '', but this agent acknowledged receipt of the document, called my insurance to verify XXXX insurance, then promised me the file would be updated. He then sent the problem to an escalation manager, who was to call me back to verify the transaction. Well, here it is two months later, and this placement of insurance has messed up the escrow account, made it seem as if I 'm behind in payments, and is driving my credit rating down. 
Additionally, I have always paid my own taxes, yet, I 'm being escrowed for this. Upon loan modification, an Ocwen agent insisted that my account would need to be escrowed for the taxes. After receiving notice from the County Assessor ( in XXXX ) that my payment was past due, I contacted Ocwen re paying the taxes. XXXX XXXX is the first time they have paid taxes on my behalf. Where has all this escrowed money gone ( since XXXX XXXX )?! At their request, I 've sent in proof of tax payment for the last XXXX bi-annual payments ( XXXX XXXX and XX/XX/XXXX ). They have sent me no proof, even though XXXX agent maintained they paid in XXXX XXXX also. The County Assessor has no record of their payment. 
So essentially, they have MORE THAN ENOUGH proof of my tax payments and insurance, yet my account has been escrowed since XXXX XXXX. Ocwen has only recently purchased home insurance ( which I already had ) and paid taxes once ( at my reminding ). Thus, WHERE IS THE MONEY I AM OWED?! Why can some of their agents see proof of the aforementioned, yet it never shows up on the computers which would set my account in order?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of XXXX XXXX XXXX # XXXX my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX informing them that charge offs are considered income so they should not be reporting negatively on my Consumer report and I wanted to have it removed immediately and permanently.
Product: Mortgage

Nationstar/Mr Cooper has been misreporting late pays on my credit report. I filed a bankruptcy Ch. XXXX back in XXXX which was confirmed in XXXX of XXXX. In the court ordered plan Nationstar 's mortgage was re-written. Nationstar was allowed equal payments for a total of 10 years with a ballon at the end. The court order stipulated that there are no escrows. Also stipulated was that if any dispute arrises the court holds jurisdiction and the dispute would need to be settled in front of the court. I began making my payments promptly in XXXX of XXXX for the same amount for about nine years with no problems. This year Mr Cooper decided to violate the court order and escrow the account. When I continued paying the court ordered amount instead of their inflated amount they started reporting me late. I have reached out to the company many times at least 15, each time after I explain and they look at the account they are very apologetic and assure me that it will be taken care of because it is reporting in error. I have spoken to both customer service and supervisors and the Post Bankruptcy Department. Still it remains reporting late. I finally made a complaint to the credit reporting agencies, once I did that not only did they leave the late pays they added more late pays. Any help would be much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) I never authorized this account to be opened ; I never signed these documents ; and consequently my signature was forged. I have attached a copy of the XXXX Retail Installment Contract and Agreement dated XX/XX/2018. I have contacted the ( 3 ) bureaus to have this issue resolved, however I have not been successful. Reporting of this fraudulent account is hurting my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a reasonable investigation into the inaccurate information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 
On XXXX XXXX XXXX, I mailed a dispute letter to Experian via USPS Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report. In my dispute, I specifically requested details on how Experian verified the accuracy of the disputed negative items, as I believe the information is reporting inaccurately. 
To ensure my identity was properly verified, I included : A copy of my government-issued ID My Social Security card Proof of address Despite complying with all FCRA requirements, Experian has failed to conduct an investigation and has not provided any response to my dispute letter. This failure to respond and refusal to investigate my dispute violates my consumer rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), which mandates that credit bureaus must conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any information in their credit file.
Product: Debt collection

I recently pulled my credit report and noticed that someone has stolen my Identity and used my personal information to open and apply for credit in my name. I have reached out to the credit bureaus and companies to ask about these accounts and let them know that I am victim of Identity Theft and my personal information has been compromised and used to open these accounts. Below I have attached the accounts and information with them. 
1 : Account : XXXX XXXX XXXX Date : XX/XX/year> Amount : {$2600.00}
Product: Mortgage

I spoke to Shellpoint regarding my mortgage multiple times since last year. I struggled to pay due to COVID and being in the XXXX XXXX. I collected unemployment for some of last year just to afford food and utilities. 
Shellpoint mortgage offered a forbearance plan which I applied for. They first set it up for 3 months, then contacted me with an extension option ( which as I understand it ended at the end of XXXX ). Each time I spoke to a representative I inquired about applying for a deferral for these payments and each time they told me I have to wait until the end of the forbearance period of time to apply. 
I received a call from Shellpoint today and the representative told me I can not apply for the deferral because that was only valid for upto 2 months in forbearance. I requested that he bring on a supervisor or somehow request the recorded phone call conversations I had with multiple representative regarding this matter and he said he can not do that. 
This is extremely unfair and I am not sure why all of a sudden they are changing their stance. He indicated that I can not extend the forbearance any longer and that all of the payments are due now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting act XXXX  Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. XXXX USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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 1 681 section 602 A. States I have the right to privacy. 


Review the Following : XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$770.00} Reported balance XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$380.00} Reported balance XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance
Product: Credit reporting

This is my second complaint. I opened a loan with XXXX college XX/XX/XXXX. The notation on their trade line on my files is : " First payment never received ''. This means my first delinquency date was XX/XX/XXXX. I never rewrote this loan, made a payment on this loan or did anything on this loan. 
XXXX reported it as a collection after receiving no payment XX/XX/XXXX. ( That notation is on the paperwork attached ). Of course the delinquency date was still XX/XX/XXXX since NO PAYMENT WAS EVER MADE. To illegally manipulate the bureau 's obsolescence programs and VIOLATE FEDERAL LAW they changed it back to 180 days late in XX/XX/XXXX. Apparently so that this stays on my credit file for the rest of my life. 
I filed a complaint and all Experian did was tell CFPB that they sent the dispute to XXXX and XXXX verified it was correct. ARE YOU KIDDING ME? THIS IS SIMPLE MATH PEOPLE. NO PAYMENT SINCE XX/XX/XXXX ... changed to collection and then back to 180 days late. DO I HAVE TO SUE Experian TO GET THEM TO OBEY THE LAW? 
Please pay attention to the historical payment detail attached and force Experian to obey the law. 
You folks really should publish this one. I understand this manipulation of account status is the number one way companies keep things on people 's credit reports for the rest of their lives.
Product: Mortgage

Residence fell behind while husband was critically ill in XXXX.For months I tried to get Ocwen to allow me to modify my loan and they refused for a year. They " lost '' paperwork over and over that I sent. When they finally allowed it ( after I retained a lawyer ), I paid all the excelerated payments they asked and THEN they refused the last one and said over XXXX was due to reinstate the loan. I have done EVERYTHING requested. In this time, my husband died and I also was trying to get the home titled to me. We were married over 50 years. They have asked for lots of information, which I have sent, MULTIPLE TIMES. I have copies AND I sent info certified. They keep insisting I do n't send the things requested but I have a record. Their tactic is to delay and then take a person 's home. If I have to sue them, I will. They will NOT get my family home. They have stolen, lied and act UNETHICAL over and over. I want the home in my name, I want them to adjust the payments back to what they were, take my payments and leave me the XXXX alone. Do Something about these Crooks! My last letter from them is dated XXXX/XXXX/XXXX ( they are again asking for things " missing ''. But these items WERE included in previous pkg. I have a copy!! ). I now have only missed payments because they have Refused it. I will file bankruptcy if needed, they have had plenty of opportunity to allow for modification ( if anyone needed it, an elderly woman, with deceased husband does ). They have only exacerbated ALL THE PROBLEMS.
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub> 2024, I first received a text message around XXXX by Chase Fraud Dept asking if I was trying to make a wire transfer, I answered no and then received a call from the fraud dept by a chase representative by the name of XXXX XXXX . He had my account information and said my account ending in XXXX  was compromised and I need to change my username and password, so I did so not thinking anything wrong of it because the number was from the back of my card and all! I was at work very busy and was just concerned that someone was trying to make a wire transfer, so I followed these steps. Come to find I was scammed, and he made a wire transfer of {$7900.00} out of my account and into his! All of my money. I immediately left work and ran to the chase bank where I told them I think I was just scammed. They called the fraud dept and sure enough I was scammed. It wasn't them calling me and all of my money had been transferred out. At that point they froze my account, and I had to wait almost a week! for them to tell me they are not returning my money because it was my fault for giving information! I could not believe what they were telling me after I told them how it can be my fault if I thought I was speaking to a Chase representative! They are just continuously giving me the same response as if I'm supposed to say ok no problem someone took all my money no problem! no! This is not ok! They reopened the case and only pulled back {$890.00} on XX/XX/XXXX from the scammers account! I told them so if you got {$890.00} back obviously this is a scam, and my money should be returned by the bank. The bank is supposed to protect my money! I have been fighting them ever since and I am on the verge of losing my life behind this. I had to borrow money to pay rent and bills. I made a report with the FBI and made a police report as well. Now when I went to submit the police report they closed my account! After I told them not to. When I explained my story to one Chase representative he laughed and said wow they are getting good! I can not believe he even said that to me! So, I told him OK why don't they go after these scammers? You have his name, bank account number and all! He told me you know how many people we will have to go after? This is insane to be told this and act as if this is a joke. This all has me starting to think it's an inside job! Please help!
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX {$770.00XXXX XXXX XXXX XXXX Balance {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted both XXXX  and Experian every month and have outlined that there is an account that was fraudulently opened under my name. i sent them the police report and the address where i was living at the time when the account was opened. the information that the bureaus are reporting are incorrect and i have been disputing this for several months already and they do not want to remove this incorrect information EVEN with a police report! how is it that XXXX took it off because they saw that it didnt belong to me yet XXXX  and Experian still manage to say that it belongs to me?
Product: Debt collection

The law firm that XXXX hired to collect their debt is calling me on my cell, my work number. They are leaving VERY DETAILED information on my parents home phone, my sisters phone and my friends phone stating that this is XXXX XXXX from API and this message is for ( My Name ). XXXX ( My Name ), your agreed upon payment of {$170.00} failed to clear your bank and came back as insufficient funds. If we do not hear back from you within 24 hours we will be contacting XXXX XXXX for fraud charges for them to take their action on a state and federal level. Please return my call at XXXX ext XXXX And a XXXX also left this same message with a call back number of XXXX ext XXXX I do not live with these relatives or friends. They should not be leaving these types of messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX XXXX that was ultimately foreclosed on. I began missing payments on this account earlier than XXXX, and this account should be removed from all credit bureaus at this point, but XXXX XXXX XXXX refuses to remove it. Beginning in XXXX of XXXX, I applied for a short sale, and even had buyers interested. XXXX denied the short sale claiming the offer was too low. I applied for a short sale again, which XXXX denied once again claiming the property wasnt marketable. I then in XXXX of XXXX requested a deed in lieu of. I called back two weeks later after not hearing from anyone, and was told I had been denied a deed in lieu because I had not completed a short sale process. I was completely floored as I had already gone through the short sale process and been denied twice!! I filled a XXXX  complaint following that incident, which wasnt responded to until XXXX, and I was still requesting a deed in lieu at that time. XXXX  drug this out until XX/XX/XXXX, then still didnt have it officially recorded until XXXX. XXXX has the worst business practices Ive ever encountered. Ive have been through enough because of their mishandling of my case, and their complete incompetence. I just shy of two years ago was able to get another mortgage through the VA, but I had to write a letter to HUD to requesting to have the flag removed from my credit early to do so. I explained the same information above to them, they obviously agreed it was poorly handled and granted my request. Im asking that this finally be removed from my credit report with so three bureaus since this was so poorly handled, couldve been resolved sooner, and shouldve absolutely been removed by now anyway.
Product: Credit card

I have been fighting with Chase Bank about numerous XXXX XXXX and other charges between XXXX XXXX XXXX. I got XXXX different police reports, am pressing charges against the individual for fraud, and they still said the charges were " valid '' even with all of that ... .. That being said, I am done fighting with chase over XXXX week of transactions. I thought about letting the card get sent to collections and then sending them the police reports and having it removed as fraud, but, I actually like this credit card. It was a tough decision, pay XXXX worth of fraud to keep a credit card and not mess up my credit for 6 months getting it worked out with collections. So I go to cash in my reward points, they are missing for the fraudulent transactions. I understand that, with the back and forth, of course eventually they would just suspend the points until the conclusion of my fraud case. Well its been concluded, so I call and get it verified that XXXX points are being held up because of the fraud claim. I can't get transferred to that department, but someone will call me within XXXX hours about the points. To my XXXX, someone actually called me, not so shockingly they said they had no clue what the call was for and would have to " research and call me back. '' No one called me back, so I called chase again, this time it is escalated, no one will be calling, and I should wait for a letter. This entire time I am paying interest on the charges. Come on Chase, I am willing to pay the XXXX fraud charges and you still can't give me the points, or make it this difficult. So disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple unauthorized inquiries on being reported on my credit report.