23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX submitted a complete modification package to Ocwen ON XXXX-2017. Ocwen is refusing to review his file .Our office called the Ombudsman  department and they refused to look into the matter .there is no tangible reason why OCWEN is not reviewing the file .They are refusing to give a qualified homeowner the opportunity to say his home .XXXX XXXX feels as if he is being discriminated against based on his race, ethnicity, and national origin .Ocwen is sitting on a complete loan modification package. There is no reason for this type of negligence. By unreasonably and unnecessarily delaying his modification request, he continues to get farther and farther behind on his mortgage payments. Practically speaking, it can only be inferred that Ocwen is pushing him farther into delinquency and foreclosure. By Ocwen refusing to consider XXXX XXXX requests in a timely manner, they are negating any opportunity for him to save the home. They are denying him the workout request based on inaccurate information and refusing to take remedial steps to provide a him with a solution. The events described above are just a sample of the practices that are taking place at Ocwen. Ocwen appears to be more interested in foreclosing on his home and fire selling it at auction to make a profit. It appears that XXXX lack of participation in a meaningful modification review of his file indicates a preference to profit directly from XXXX XXXX hardships. 
XXXX XXXX is demanding the Ocwen review his file or he will file a complaint in district court.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXXXXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Checking or savings account

XX/XX/XXXX my mum made a cash deposit to my checking account at BOA bank of America for XXXX. To help out with my rent. She was told rude employee at XXXX location in Colorado that she could not deposit cash that she should get a cashier 's check or money order she went and got a cashier 's check from Us bank for XXXX returned back to BOA and was told my funds would be in my account right away. My mum relayed that message back to me. XX/XX/XXXX passed with no funds available in my account I called BOA and asked what the hold up was I was then told it will take XXXX days. So I waited because it was deposited thru the weekend. I get a text notification on my account XX/XX/XXXX letting me know funds are now extended out XX/XX/XXXX. I called and talked to several people and I was given the run around with no reason as to why a cash deposit from a cashier 's check could get released. I called XXXX and was told I can try to reach out to a manager at my local branch because they couldn't authenticate my information over the phone at a XXXX  teller branch I would have to call customer service or visit my local BOA. I did just tat XX/XX/XXXX with no resolution the manager could even explain why and didn't understand why my funds weren't being released I've been with BOA for XXXX  years.
Product: Credit reporting or other personal consumer reports

This is my several requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 


XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) ACCORDING TO THE FCRA IT IS A VIOLATION. 

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. XXXX PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Product: Credit reporting or other personal consumer reports

My information was exposed during a data breach with XXXX
Product: Consumer Loan

I wanted to pay off my XXXX loan so I contacted M & T Bank customer service email and they replied back saying it had to be paid by certified funds in order for the XXXX hold of lien release to happen so I paid with a certified check from Alabama XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XXXX Alabama. and now the Bank M & T which in email stated nothing about a credit union certified check is n't accepted as a certified check but normal check and thus have to wait 10 days in order for the Lien to be released off Title. The email which I have and send states only that a certified funds and that I did and sent to the address they provided : M & T Bank XXXX XXXX XXXX XXXX, DE XXXX They recieved this on XXXX XXXX and I feel they are holding onto my title and lien for fraudulent reasons as I did everything they said. customer service number is XXXX and talked with a supervisor about this his name was XXXX and his employee number is XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports from XXXX, Equifax, and XXXX and identified several inaccuracies. These errors are causing financial harm and are tied to a name that does not reflect my legal identity. The accounts and inquiries are listed under the name " XXXX XXXX XXXX, '' which is not my correct legal name. My legal name, as updated through a certified court order, is formatted differently, and I have no connection to the accounts reported under the all-caps name. 

Details of Specific Issues : Charge-offs Reported as Debt Despite Forgiveness : XXXX XXXX : A charge-off of {$4400.00} remains reported, even though this debt was forgiven and a XXXX form was issued, reporting it as income to the IRS. 
XXXX XXXX : A charge-off of {$5700.00} remains listed, despite being forgiven with a XXXX form. 
These accounts are associated with the incorrect name and can not simultaneously be reported as forgiven income and outstanding debt. 
Student Loans That Are Not Mine : Several accounts from XXXX are fraudulently attributed to me, including XXXX with a balance of {$2600.00} opened in XXXX. I have never applied for or taken out student loans. 
Bankruptcy XXXX XXXX : A XXXX XXXX bankruptcy was reported as filed and dismissed in XXXX. This filing is fraudulent and not associated with me. 
Unauthorized Hard Inquiries : Over XXXX hard inquiries appear on my credit reports, all unauthorized. Examples include inquiries from XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 
Incorrect Personal Information : The credit reports list incorrect names and addresses, including variations of " XXXX XXXX '' and outdated addresses that I have never lived at. 
Actions Taken : I have disputed these inaccuracies with the credit reporting agencies but have not received proper resolution. 
I filed an identity theft report with the FTC to address the fraudulent accounts and inquiries. 
I contacted creditors, including XXXX XXXX and XXXX XXXX, to dispute the charge-offs and request corrections, but no action has been taken. 
These accounts and records are incorrectly tied to my file and are not associated with my legal identity. I am requesting their immediate removal, as they are causing significant harm to my financial standing.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is and update on the payment history. A charge off account should NOT include and active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly and you neglect has violated my rights. I am demanding a deletion of the following account : XXXX
Product: Payday loan, title loan, or personal loan

I previously submitted a complaint through this site and received a response both online and via mail. Yet I still receive phone calls NUMEROUS times nearly daily. They have now transitioned to calling me from new phone numbers and harassing me despite my attempts to have them stop. If this isn't stopped, I will be taking legal action to stop the harassment.
Product: Debt collection

Worth Finance has been harassing and calling me and my family over a loan that i did not accept. I told them to take us off the call list but they keep calling us and its ridiculous at this point and very frustrating
Product: Debt collection

The XXXX account was settled in full for the amount of {$300.00} final payment on XXXX/XXXX/XXXX to XXXX Case No. XXXX. There have been several different collection agencies over the last 6 months requesting payment on this account paid off and open before XXXX Who do I need to contact to stop the harassment? The last company called Piedmont Recovery called 3 times in on the same day. Each individual gave the same information of threatening to prosecute me in court ; in the same process refusing to accept documentation showing proof this is paid. This company only wants to make arrangements for payment of {$5000.00}, in which this account was settled with final payments of {$300.00} in XXXX. Piedmont Recovery is located at the address XXXX XXXX XXXX XXXX in XXXX, North Carolina XXXX. They can be contacted via phone at XXXX XXXX XXXX XXXX this is the number used to contact me and alternative number to reach Piedmont Recover is XXXX XXXX XXXX XXXX. For more information from Piedmont Recovery speak with XXXX XXXX the supervisor Manager according to XXXX XXXX XXXX 
XXXX Account Ref # XXXX according to Piedmont Recovery this was open on XXXX/XXXX/XXXX, but account was prior to XXXX, Piedmont Recovery Ref # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX is a fraudulent account. I asked the debt collector and the credit reporting agency on XXXX of 2021 to provide a purchase agreement for the accounts, and they could not provide the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute regarding incorrect balance and payment history with reporting agencies equifax and XXXX. XXXX responded via email with an obviously stock robo answer that information was indeed correct and that it takes 30 to 60 days for the reporting agencies to update information. They are the only creditor that I have where this seems to be the case. I resubmitted an additional dispute and received the same response. I then filed a complaint on this website after seeing my score drop 18 points. Upon further investigation it appears now that rather than correct the information they have reported to the credit reporting agencies my account is now reported as being closed. Which it is not. It sure didn't take 30 to 60 days to report my account as closed. Seems a bit retaliatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown Inquiries reported on credit report : XXXX XXXX, XXXX18. XXXX, XXXX18. I DO NOT KNOW OF THESE INQUIRIES, THEY WERE ILLEGALLY MADE THRU IDENTITY THEFT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove negative information even after I sent them a signed Identity Theft Report by law enforcement. They say the information was verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is impossible because I didn't send the theft report until XX/XX/XXXX. They are saying the information was verified by Address Identification number XXXX but that address Identification number isn't on my credit report. They sent me a generic email stating that they couldn't block the information because they need a valid identity theft report which was mailed on XX/XX/XXXX and received by XXXX XXXX on XX/XX/XXXX. The mail receipt and return receipt are attached. 

These are the accounts in question. 

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 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
Product: Checking or savings account

I had XXXX $ in my brokerage account. XXXX went on XXXX and announced he's going to issue another XXXX XXXX in mstr equities. That is fraud XXXX. My trades have already not been settling and he's increasing the bank 's short position and ability to insider trade the shares. So XXXX XXXX XXXX contracts for $ XXXX. I then transfer the $ XXXX to my checking account to immediately spend on XXXX, so I can withdraw from this fraudulent rolling bankruptcy ( FTX XXXX contact XXXX and XXXX XXXX you owe me in excess of a XXXX dollars cash )... Anyway, my account generates a margin loan to issue the cash to my checking account since settlement hasn't happened yet. I then try to spend the cash. The transaction gets blocked at moonpay for fraud. I expected this might happen as banks have been restricting outflows and making up reasons as to why they can't allow customers to access their funds for quite some time now. XXXX even warns customers that they have been targeted by banks and card declines are common. I then received an error message on visa and XXXX XXXX letterhead informing me the transaction failed, and there was a phone number to the visa fraud department. I called. They undid the block and said try again. It failed again. I called XXXX, they did something, still didn't work. Then I tried the transaction with a bunch of different merchants. All same error. transaction fails, transaction shows up as pending on my XXXX XXXX app, but there is no dollar value associated with it. I then contact kraken support and XXXX support. They both confirm that there is no account issue on their end, and that the transaction is being declined. I then call back XXXX and stay on the phone for another XXXX hours. ( XXXX hours in total ). The result of all this, is that the margin loan most likely did not clear. I'm not paying interest on that loan. It is fraud. The funds were not available. This is part of a much larger issue i've been having with chase. None of my trades have been settling so far as I can tell for quite some time. I think this is bankruptcy fraud and XXXX should be put into receivership with XXXX immediately... There was also massive fraud that took place with the XXXX and mstr quotes over the last week.
Product: Debt collection

I received a collection letter from Convergent Outsourcing Inc of XXXX on a debt that has been paid. Their file number is XXXX They claim the collection was purchased from another company called XXXX XXXX XXXX. The debt stemmed from a credit card at XXXX XXXX XXXX, since purchased by XXXX. It is a settlement offer on a {$10000.00} debt for {$3800.00}. 

In XXXX, I was sued for the balance and it became a judgement in XXXX County Oregon, Case # XXXX. In XXXX of XXXX, I was contacted by a collection company regarding this judgment. It was settled in XX/XX/XXXX. The judgment was released in XXXX of XXXX. Copies of correspondence is attached to this complaint. 

This is the second account that Outsourcing has contacted me about. The first one was uncollectable and they clearly had written on their collection letter is may be reported to the Credit Companies. That statement is incorrect. The ultimately sent the file back after being contacted by you. I believe they are engaged in a scheme to collect debt that is not owed. This matter, together with the other one is causing undue stress in my life. I do not want to ever hear from then again for any reason, It should be noted that I legally changed my name to XXXX XXXX. It is no longer XXXX XXXX.
Product: Credit card

Chase amazon offered a promo of spend {$150.00} on prime day ( XXXX/XXXX/16 ) and get {$30.00} off your purchase. When i went to checkout the promo code ( XXXX ) indicated the code had expired. I contacted chase and they indicated that amazon had given them notice that they have done enough promotions for the day and would not be doing any more. They indicated this was listed in the terms and conditions as " while supplies last. '' I indicated this is extremely deceptive as while supplies last indicates goods or services and not a count of promotions that would be offered. They would not honor the promotion and I was not able to make the purchase in time due to the code being expired.
Product: Credit card or prepaid card

I had a alert from XXXX XXXX about a purchase made in a different state then I live in, which I stated I did not make. Was asked if I had the credit card on me, stated yes and was told the number was copied and that the card was being closed for protection. I was told I am not responsible and to destroy the physical card and a new one would be sent. 

Several weeks later I received a letter stating the fraud case was not valid and I was responsible for the large amount charge. When asked why they would approve a large amount of a charge after just denying a larger amount I was given no clear answer and that I had to pay the charge. 

I tried to resolve this issue with XXXX XXXX and stated I could not have physically made this purchase has I live on the other side of the country and could prove my physical whereabouts. They refused to assist me and stated sorry but you have to pay the amount anyway. I was not offered any prove that my signature was signed or that my physical card was used. All they stated was that the case was closed and a chip was used, even though the card was in my hand at the time I was called. 

I am unsure how to protect myself from here or to have the charge removed. I have excellent credit and pay all my purchases on time. Do I have an recourse to rectify this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are completely wrongly misrepresenting or recklessly claiming I should be punished with my most recent huge score losses based off of XXXX removing all my remaining student loan debt to XXXX abruptly looking as though I caused myself to be in debt again. Please correct my scores to JUST BEFORE they were in the XXXX.
Product: Debt collection

Upon reviewing my latest credit report, I identified multiple unauthorized accounts that I believe were mistakenly added without my consent.
Product: Consumer Loan

Starting in XXXX I started receiving calls from Capitol One regarding my loan for the XXXX XXXX that I am financing through them. I do not remember when we set this up but I was to pay a higher amount per month for XXXX months to get caught up. Well, the phone calls started anyway and XXXX person actually stated that if you are XXXX month behind they will call me. I paid in XXXX the amount they said with a different bank card. I set up auto pay but the bank card I originally gave did not have enough. In XXXX the calls continued and I was told twice I did not pay in XXXX. Well, I started ignoring the phone calls I do not like being called a liar. I paid at the end of XXXX the amount I was given. In XXXX I started a new job and how I was getting paid I could not pay the entire amount I agreed to so I called in and talked to a VERY NICE person. I told the situation and was told, " Go ahead and pay what you can and call back on next Thursday to pay the rest. Which was the first week of XXXX and I did. The calls continued.Then since I was not taking their calls I found the date I paid in XXXX and printed that and mailed to them. I told them after you receive this I will answer your call after XXXX. So I waiting and XXXX evening I answered it. The person on the phone was very rude and when I asked about the letter the response was no letter. When I told what the letter was there was a pause and oh I see that you did pay on the XXXX of XXXX. Then the subject of XXXX came up and according to the conversation I paid the incorrect amount and I still owed {$45.00}. I inquired what it was for the response was, " you just did not pay it. '' I was already lied to about payment and now to me if it was for late payment fine but to be told just did not pay it I will not accept. Then since I paid up to XXXX I thought I was up to date but I guess not. The called continued. I am a former XXXX, I have a completely XXXX that prevents me from walking far at all otherwise I am in excruciating pain. I realized that I kept quitting my jobs because I could stand that long or my XXXX and XXXX prevented me from working. I do not and can not afford insurance and the last time I applied with the state I was told I can not be receiving unemployment well since I work as a XXXX is saying I lied and they over paid me for the week of XX/XX/XXXX and I have to pay that week back. My XXXX medication is {$300.00} every XXXX weeks. Now I a petrified that my apartment complex is going to find a way to evict me and I as of XX/XX/XXXX I have missed XXXX work day as a temporary employee and XXXX days as a part time employee for XXXX XXXX XXXX. Capitol One repossessed my ford on XX/XX/XXXX ( and my regular payment is due XXXX of each month ) which is XXXX month and XXXX day of non payment. I can not walk anywhere with out pain or very far or my XXXX will kick in and I am stuck at the store. I do not like to call my friends to take me back and forth and do not have a Primary Care doctor to fill out a form for XXXX for the XX/XX/XXXX. Please help me.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, Equifax, and XXXX immediately. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

We obtained our first mortgage from Bank of America on XXXX/XXXX/XXXX and completed BOA in house modification program in XXXX/XXXX/XXXX. Its new principal balance of the note is {$700000.00} ( current interest bearing principal balance is {$490000.00} and deferred principal balance is {$180000.00} ). The loan has been transferred to XXXX Mortgage for service since XXXX/XXXX/XXXX. 

Our house has been underwater for many years ; we want to move on by requesting Principal Forgiveness of the deferred principal amount of {$180000.00} by using BOA settlement with Department of Justice of XXXX. When we contacted BOA on XXXX its representative informed us that we should apply through XXXX since they service the loan. Despite financially qualified, we were finally informed by XXXX in XXXX that our application was not approve because they believed we are doing fine with BOA 's XXXX modification. 

Our loan was originated by BOA and we believe we are entitled to apply for that relief from BOA for Principal Forgiveness. The settlement stated that credit will be provided to BOA for any Consumer Relief completed by any subservicer and for loans sold to other servicers. 

Appreciate if you can advise us best way to approach our situation. Thanks.