23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX ( Saturday ) To Whom It May Concern, My name is ... ... and I have chosen to use bullet points in order to make what I have to say easier for everyone to read. 

I have a mortgage with OCWEN Loan Servicing.  In XX/XX/XXXX two payments of {$200.00}, was returned. The first payment I made, ( as I have done for the previous 7 years with the same banking information was through the OCWEN website. This payment was returned, I was told because no such banking number existed. (??? ) The second time to went to pay this loan of {$200.00}, I paid through a representative with OCWEN, ( agent number unknown ), I gave this agent my routing and checking information over the phone to make the payment again. This payment too was returned for the same reason. 

I called OCWEN yet again, and spoke with Agent # ...., on the afternoon of Thursday, XX/XX/XXXX, we went around and around with my account numbers and he did not feel comfortable taking my banking information, because he could not be sure it would go through and then he told me that if the payment was not in by XX/XX/XXXX, it would go to collections. I have to admit, I lost it! This is absolutely ridiculous as none of my banking information had changed in the last 7 years, since I put it into the OCWEN website. He said to get the correct information from my bank and make a rush payment through XXXX XXXX, which I did. ( Document A ), please see ( Document B ) from XXXX XXXX XXXX XXXX. 

On Friday, XX/XX/XXXX I went to my credit union and had a representative from XXXX XXXX   XXXX XXXX, by the name of " .... '', called OCWEN with me standing right there, to give OCWEN the same information I had given, which was the routing number and my checking account information. He spoke with " ", agent # ... .. 

I would like to point out the following : I got to the Credit Union at XXXX when the doors opened. It took almost an hour for the agent agent # ... .to simply verify my account information. 

'' ", agent # ... XXXX said that OCWEN had my  savings account number which is, ... XXXX, and not my checking number which is, ... ..., OKAY, but the money I had been paying into OCWEN for the last seven years has been coming out of my CHECKING ACCOUNT!! NOT my SAVINGS Account. Please see Documents C, a total of 4 pages. Please these are just a few of the payments of the previous 7 years. Please Documents D, a total of 2 pages. 

Im sure this sounds confusing as it STILL IS to myself. I am so tired of OCWEN they do not know what they are doing. I am writing this letter on Saturday, XX/XX/XXXX as I do not trust OCWEN and I want to make sure everything is documented to the letter! The representative from my and I were told by " ", agent # ... .that everything is now settled. Come Monday, XX/XX/XXXX I pray that this is all taken care of. 

I have a credit score that is in the 800s and I have worked VERY, VERY, Hard to get it there, I will not have it lowered because of this ridiculous incident with OCWEN Servicing. 



CC : The Consumer Financial Protection Bureau ( CFPB )
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$1800.00} XXXX {$20000.00} XXXX {$11000.00} XXXX {$17000.00} XXXX {$3900.00}
Product: Credit reporting or other personal consumer reports

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

I told the Experian, XXXX, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

XXXX XXXX has been reporting Negative item since XXXX XXXX. Past 7 years. I have not receive any investigation results from Equifax. Previously disputed in XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax did not provide me a proof of VALIDATION OF 1st Delinquent Date
Product: Checking or savings account

My vehicle was ILLEGALLY towed from my apartment building ( have lived there since XXXX  ) by XXXX XXXX. 

XXXX XXXX has been illegally and systematically towing vehicles for YEARS. They have thousands of complaints and hundreds of small claims cases filed against them for these very same actions. 

When asked why they towed my car, they failed to provide a response or even the authorization for this. My apartment manager did not know anything about why this company was on the premises. 

In essence they held my vehicle for " ransom '' sort of speak because they refused to return my vehicle, even when it was illegally towed. There is a reason they only accept cash or debit card, so I had to give them my debit card and on the receipt, I clearly wrote " DISPUTE AMOUNT '' and did NOT SIGN because this was a coerced transaction. 

I immediately filed a complaint with my debit card back, Chase, and provided them with all of the evidence to support this dispute. They failed to weigh the evidence and reverse this transaction. 

Chas failed to protect my rights.
Product: Checking or savings account

I received 2 emails on XX/XX/2022 at XXXX from Truist Bank stating that a new account has been opened With my name. One of the e-mails provide the last 4 digits of the new account number. 

The other email is confirmation that A user ID was created. Ive never used Truist or Suntrust for banking.
Product: Bank account or service

I made a cash deposit into my checking account on XX/XX/2016, at an ATM at XXXX Bank XXXX ATM which the bank I use. The cash deposit was credited on XX/XX/2016, however, on XX/XX/2016 the bank charged my account an overdraft fee. I called customer service and was informed that cash deposits made at an ATM are not automatically credited to the account and must be made in person at a branch before XXXX. It is my understanding that a cash deposit is immediately credited and can not be held. THe bank held the cash deposit and charged an overdraft fee.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft as result of my purse being stolen with my SSN & Bank cards and other personal information. I need to have my credit report updated to remove the fraudulent accounts and old addresses that were used to open fraudulent accounts. I have filed a complaint with the FTC for the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been following up with the credit bureaus regarding some incorrect information they are reporting about me. I first submitted a dispute on XX/XX/XXXX and never heard from them. I sent a follow-up about the issue on XX/XX/XXXX. It is now XX/XX/XXXX and still I have not received any notice of an investigation into the information they insist on reporting falsely. I would like to hear back from the credit bureaus regarding this matter.
Product: Mortgage

When we took out our mortgage, I did NOT want to deal with someone remote, so I took it out locally at XXXX mortgage. They were then acquired by XXXX when XXXX bought XXXX. XXXX then sold all XXXX mortgages to NationStar Mortgage ( who is clearly a con company ). So even though I specifically only wanted a local company, now I am dealing with a shady company that is XXXX of miles away. 

We recently went through major hail damage. I received a check from my insurance company ( XXXX ) and as per the norm, my mortgage lender has to endorse the check. We have damaged shingles, and I needed to get my roof done ASAP to keep from further damage. When I received the check, I overnighted it to the address they had on their website. That was 3 1/2 weeks ago. 

They have done EVERYTHING in their power to sit on that money. They claimed we mailed to the wrong address ( even though I mailed to the address on their website ). They claimed they lost the check. They claimed they had to mail it from their XXXX office to their XXXX office. They then claimed they had to determine the validity of my claim, and needed insurance paperwork, and proof that I was repairing the damage, on, and on, and on. 

Today, we got a new excuse. ( remember, one of the lies was that it was being mailed from XXXX to XXXX ). Today, they said that the check was cashed in XXXX and has been sitting in a savings account there for 3 weeks, and now they have to wire the money from XXXX to XXXX so they can issue me a check. 

CLEARLY this is fraud. They have lied to me several times, further compounding the fraud. They are CLEARLY doing this just so they can collect interest off of my loss. This is despicable and immoral, and really should be illegal. Why are they allowed to collect interest on money that is NOT theirs. And they are doing this by overtly lying to me, and delaying me. 

I have since had my roof repaired, and I have to keep passing these lies to the contractor, because I do n't have the money to pay him. Now, he is starting to accuse me of trying to con him, because he also sees that the lies do not add up. What happens if he fines me? What happens if he files a lien on my home? All of this because this mortgage company is so XXXX greedy that they have to sit on my insurance money so they can collect XXXX $ in interest? 

This type of practice CAN NOT be allowed to continue, because this is truly taking advantage of home owners in a tight spot.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

What happened? 
I am submitting a formal complaint against Pentagon Federal Credit Union ( PenFed ) regarding an auto loan repossession under Account # XXXX and the subsequent reporting of this account to the credit bureaus. 

The vehicle tied to this account was repossessed, but I was not provided with proper and timely notice regarding the repossession or the sale of the vehicle, as required by Massachusetts General Laws. Under M.G.L. c. 255B 20B and Chapter 106, Article 9, creditors are required to : Send a written 21-day Right to Cure Notice before taking possession.

Notify the borrower of their right to redeem the vehicle before sale.

Conduct a commercially reasonable sale, and provide a full accounting after the sale.

To date, I have not received any of these notices or supporting documentation. If PenFed failed to follow these steps, any deficiency balance is unenforceable under Massachusetts law, and the credit reporting is inaccurate and misleading.

Additionally, reporting this repossession and balance without validating compliance with applicable state repossession law violates the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information that is known or should be known to be inaccurate.

FCRA 611 ( 15 U.S.C. 1681i ) failure of the credit bureaus to reasonably investigate my dispute. 

This inaccurate reporting has caused significant damage to my creditworthiness and is not a true reflection of the facts surrounding the account.
Product: Mortgage

Caliber Home Loans deliberately has taken down their payment system ahead of the end of the month. They are no longer accepting bank/ACH payments, nor are they accepting debit payments. 

Their representatives do not have a good understanding of what is going on, so they misroute and misadvise users. 

I requested written confirmation of the outage, they refused to provide it. Their solution is to try again on Monday, when all of their other thousands of users will likely be making the same scramble to pay. 

I informed them I was trying to address the issue proactively, and they refused to offer any solution beyond waiting and hoping. Always sound fiscal advice. 

They would not provide any confirmation of the situation that I can leverage in future conversations, despite my request based on previous experience during a home refinance ( that I halted ) where I was explicitly lied to about the details of the refi. 

I do not take this team at their word. I asked for written confirmation, and it was denied. I asked for a recording of the call, as it was being recorded, and I was denied. All they would give me is my loan documentation. And while it outlined my grace period for penalty, it makes no mention of credit referrals or other things Caliber can do that may tangible harm my credit score or other aspects of my financial health. 

This company is terrible, and someone should review their shady business practices, as I'm sure less fortunate consumers are being hurt by them and their deceptive, non-transparent practices.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage,. which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( 6 ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. MOHELA/DOFED bal. {$450.00}, XXXX bal. {$1800.00} and XXXX XXXXXXXX bal. {$400.00}
Product: Checking or savings account

I opened my initial account with Chime back in XXXX, and everything was going great until XX/XX/XXXX. I opened a Chime XXXX XXXX account where they provide members with a prepaid credit card funded by the member by moving money from the spending account. Everything was great until Chime decided to trash my credit score with XXXX  and XXXX over a disputed charge of {$79.00}. For an entire month they were blaming this all on me, but then at the beginning of XXXX they finally admitted that they made a mistake and were crediting the {$79.00} to my account. The only problem was that I had closed my account, and so I requested a paper check be sent to me in the amount of {$79.00}, and they told me that it can take up to 14 days to process. I never received my check so I reached back out to them on XX/XX/XXXX. They gave me excuses as to why they did not send me my check. Now they are saying that I have to wait another 2-3 weeks before I will get my check, but after finding an article online where they are not giving member 's their money I highly doubt I will get it.
Product: Credit card

I called XXXX XXXX after calling 7 other credit card companies ) to explain I am getting ready to get a divorce and wanted to make sure my name was not listed as an authorized user and to remove my name if it was. The agent told me there is no way unless speaking to the primary. I had already provided sufficient information to get the account accessed and the agent had it in from of them. I asked for a supervisor. I explained to the supervisor I work at a major credit card company as a supervisor and have called 7 other companies today who were happy to advise if my name was on the account or not since I am not asking for more account specific information. Not only did the " supervisor '' tell me they can not without the primary cardholder but said I could not file a complaint with the bank but need to go to Kohl 's website. When I asked what bank they worked for the supervisor said Kohl 's. I asked again and said you work for a bank not kohls... Which bank do you work for, the supervisor finally told me capital one. I then asked for executive information and was told hours. It took pulling it out of the supervisor for an actual phone number.
Product: Consumer Loan

This is the XXXX form of communication I have given them. I am not even 2 days after the scheduled due date, I make payment arrangements on line and they still call. If I talk with them they threaten me saying the arrangement made on line is not Ok, and that they will take the car. Really? I have paid them over {$21000.00} and am not late. Here is the last e-mail sent to them : I have talked with the reps and sent an email to corporate. I have scheduled a payment on line and I keep getting calls at least XXXX-XXXX x 's a day. If I was not able to schedule the payment at that time the online would of not let me. I am not even 30 dys late! I will pursue this further if this harassment does not stop. I have paid over XXXX of the loan and only owe a few more months worth. I do believe that this harassment is because my loan is almost due and you are trying to repossess the car to make even more money on the sale of it. I am requesting that you stop calling my cell phone for a payment that is not even 30 days late. As of today is it only 10 days. The calls start 2 days after the due date.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : # 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 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

I appreciate you taking the effort to delete some of the items from my file that were allegedly obtained through identity theft, but I still need to delete a few more. Any items listed on an ID THEFT REPORT must be removed in accordance with FCRA section 605 of the law. This report was originally included in a prior letter, so I'm including it again. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  Child Support XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Child Support XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

I had two balance transfers on this account. XXXX for XXXX with a 0 % interest rate until XX/XX/XXXX and one for 4XXXX with a 1.99 % interest rate until XX/XX/XXXX. In both cases I had to pay a 5 % fee for the lowered rates. 

On XX/XX/XXXX I made a XXXX payment sufficient to pay off the expiring balance transfer. However chase applied it to the highest interest rate first, without regard to the expiring interest rate promotion, and so they paid my XX/XX/XXXX balance off early and left approx XXXX of my XX/XX/XXXX balance to roll over the next day to being charged full interest at 26.49 %. This is sneaky and shady and I have paid XXXX in fees for the balance transfer plus over XXXX in interest now for this balance transfer. Had I just made the payment on the XXXX the rep said this would not have happened which I why I think this is a deceptive business practice. The merchant is unwilling to refund any interest fees or offer me a goodwill reduction in the interest rate back to 1.99 %. Had I not paid a 5 % fee for this reduced rate I wouldnt be upset but because I was charged for this service again this is downright deceptive and sneaky.