23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage servicer is Ditech Financial LLC, and this is a complaint against them. 

I filed for XXXX bankruptcy approximately XXXX years ago and the bankruptcy was successfully XXXX in XX/XX/2015. In spite of this, Ditech still has my mortgage account listed under bankruptcy status, which means my home loan, which I 've paid faithfully since filing for bankruptcy, does not even show up on my credit report. It also means that I receive only " informational '' mortgage statements every month from Ditech - these list only the monthly mortgage amount owed and do not contain other detailed information on my home loan, such as the balance, etc. 

I have tried to resolve this issue multiple times in the last few months by contacting Ditech at XXXX. Every time I call, I am routed to XXXX XXXX XXXX who acknowledges that my account needs to be " recoded '' to reflect the successful discharge of my bankruptcy more than XXXX year ago so that my credit report can be updated and full monthly statements can be resumed. Staff then explains that only Ditech can do this recoding and " elevates '' the issue to Ditech so that they can take care of it. 

As of today, my request has been elevated to Ditech XXXX TIMES ( over the period of a few months ) and they have yet to respond and recode my account. 

I am at a loss for what else I can do at this point and I 'm hoping that Ditech will resolve the issue upon hearing from you, as my continued attempts have obviously been ineffective. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

company reporting a closed charge off account without my permission my car was returned due to a engine fire recall and they did not delete the account from my credit report
Product: Credit reporting or other personal consumer reports

From XX/XX/2023 to XX/XX/2023, the company ran my credit report 4 times and the original terms were changed.
Product: Credit reporting or other personal consumer reports

I am writing this and to follow up regarding the multiple attempts made to rectify the issue of a late open accounts at your esteemed institution. I would like to express my disappointment with the handling of this matter, and I believe it is imperative to address it formally. I initiated the process of opening an account with your bank. Unfortunately, due to circumstances beyond my control, there was a delay in completing the necessary documentation, resulting in the account being opened later than anticipated. I contacted them to explain the situation and inquire about the necessary steps to rectify the delay. The representative assured me that the matter would be promptly addressed, and I was given a timeline for the resolution. To my dismay, despite the assurances provided, the issue persisted, and I found it necessary to contact your customer service department to follow up on the status of the correction. Regrettably, each time I contacted your institution, I received conflicting information, and the matter was not resolved within the promised timeframe. This continuous inconvenience has caused me considerable frustration and has raised questions about the efficiency and reliability of your institution 's customer service and account management processes. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I called today, XXXX XXXX to pay my mortgage to Ocwen Financial Corp. Because it is not past 30 days it would have been on time. I was informed by Ocwen that they could not accept my payment by phone, nor online and that I have to mail by certified check or money order for the next 6 months. They said because XXXX of my checks were returned to my bank ( but were paid ) that they had the right without notification and informing me ahead of time - to tell me, I have to send my payments for the next 6 months by certified check or money order. Because tomorrow is XXXX XXXX - Ocwen is going to mark me past 30 days for being late and send notice to the credit bureaus. If they accepted my payment today - I would not be late. I am very upset because I was not notified of " their/this policy ''. It is not fair and adds more hardship for the consumer. Ocwen is implementing an unfair consumer policy without notifying the consumer - and in this case, purposely tarnishing my credit score because they will not accept a payment from me today. This is inappropriate customer service and an unfair policy. I wonder if it is legal. I will seek a new mortgage company as soon as I can.
Product: Credit reporting or other personal consumer reports

I discovered inaccurate information on my credit report as per 15 USC 16c-2. This incorrect data is negatively impacting my credit score, and the inquiries were not authorized by me.
Product: Checking or savings account

On XX/XX/XXXX I noticed that an account linked to my phone had several mobile deposits. The account is for my daughter, but she was a minor when the account was set in motion, she is now a grown. I questioned my child an told her that she needed to contact the bank because of a fraudulent activity. However, I went to the bank ( Capital One ) and from there was notified that a scam had a occurred. The first deposit was on XX/XX/XXXX for XXXX,XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX.I spoke to the fraud department on XX/XX/XXXX and was told they will open up an investigation and needed to gather more information from my daughter. Since then on XX/XX/XXXX the bank have locked my account ( me and spouse account ). All funds coming in the account can not be touched. My husband deposits are being withheld and he have nothing to do with any of this. I understand their saying that I 'm on the account as well so I 'm responsible, but I did n't have anything to do with this occurrence and I 'm the one who reported it. My daughter agrees that she is responsible for what happen. Is there anyway that she can sign something holding her only responsible and not myself or my spouse? Seriously it is a sad situation when the good have to suffer for other people actions. Since, I been with Capital One my banking relationship with them have been great, no problems at all even when they had mess ups I continued with them. I have bills that will not be paid because of this problem. Can you please offer some assistance please!!!!!!
Product: Checking or savings account

On XX/XX/XXXX, my late husband and I opened a Renters Security Deposit Interest Bearing Saving Account i.e. Landlord Tenant Security Account in XXXX XXXX XXXX [ now Capital One Bank since XXXX ] and deposited our tenants security deposit of {$1400.00}, as required by law. 

XXXX XXXX XXXX  utilized a savings FBO [ For The Benefit Of ] account, in which the account has the tenants name, the landlord has exclusive access to the bank account and the bank is a neutral entity. We had done this previously with XXXX for our prior tenant. 

In XXXX of XXXX I was informed by Capital One that I would no longer be receiving statements as there was no activity other than interest on this account. On or about XX/XX/XXXX I went into the XXXX XXXX as a Customer Service representative informed me that this account was not in my profile. 

Sometime between XX/XX/XXXX and XX/XX/XXXX, during Capital One 's Conversion to Capital One 360, our names and address were deleted from this account along with the FBO, the address changed to the tenant 's address and the account was placed in his profile. 

Despite all of the bank documents and statements I provided them with, they deny their error and state that the money belongs to the tenant. Capital One Bank did not, does not have the authority to do that. 

Additionally, I provided them with a copy of NYS law supporting all of which I outlined in regard to the FBO. 

I have requested they reverse the error their back office created during their conversion, they have refused.
Product: Credit reporting or other personal consumer reports

This complaint concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute this account : XXXX XXXX. 

The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus have updated them. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT MUST BE REMOVED IN 4 DAYS. This account is not mine. Also, I never lived nor received emails in the address reported in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2014 XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

The debt was charged off in bankruptcy about 3 to 4 years ago. I have been cussed at. They have called my husband 's and my work. Threaten too have us arrested our severed. Told them to contact my lawyer used. I have tried to call them back with the lawyer and bankruptcy information and was threatened and hung up on. Now they are spoofing phone numbers to try and get us to answer.
Product: Debt collection

Discovered a pending collection on my credit reports on XX/XX/XXXX : XXXX and XXXX. 

Collection Agency : I.C. SYSTEM, INC The report stated that there was amount of {$100.00} owed to XXXX XXXX, and was filed on XX/XX/XXXX. I had no knowledge of this amount being owed, and currently have two active accounts with XXXX that are fully paid for. On XX/XX/XXXX, I called XXXX to inquire. XXXX representative confirmed they had no record of any pending amounts, nor of having contacted I.C. SYSTEM, INC. It was also stated by the representative that they would not use a collection agency for that small of an amount nor that short of time, and would have made several attempts to contact myself first. 

I then contacted I.C. SYSTEM, INC to inquire about why this was showing on my Credit Report. They would not and could not provide any relevant information to what this account was allegedly referring to, and did not have any current or accurate information concerning myself or where I was currently living. I then requested for them to remove this, as this was a fraudulent collection. I.C. SYSTEM, INC informed me it could only be removed if I paid for the amount. I then requested for them to send me all information and collection receipts in writing which they refused.
Product: Debt collection

Credence Resource added an old XXXX bill to my credit that is not mine. I have not received any information from Credence, nor have they attempted to call me. I'm disputing the debt and demanding this be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I submitted a wire transfer in the amount of {$5000.00} on the morning of XXXX/XXXX/XXXX from my bank ( XXXX XXXX ) to Coinbase, Inc. ( XXXX Account ) Coinbase, Inc XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXXXXXXXXXX I followed the wire transfer instructions exactly as outlined on the CoinbaseXXXXXXXX website, however, it is now the evening of XXXX/XXXX/XXXX and Coinbase has yet to credit my account with my wire transfer. XXXXXXXX XXXX lists the wire as " Completed '' and provided the following reference and XXXX numbers : ONLINE WIRE TRANSFER VIA : XXXX XXXX XXXX : COINBASE, INC XXXX XXXX CA XXXX XXXX REF : XXXX XXXX : XXXX TRN : XXXX XXXX OUTGOING WIRE TRANSFER - {$5000.00} Both XXXX and Coinbase state the wire transfer will be completed and posted to your account withing the same business day if completed by XXXX EST. It has now been 3 business days. I have e-mailed CoinbaseXXXX support multiple times and have only received automated responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Transunion to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX
Product: Debt collection

My initial communication with Kingston Data And CREDIT was on XX/XX/2022, where I requested validation of this alleged debt. This alleged debt is a result of identity theft and I did not authorize Kingstons credit organization or any other party access to my consumer report, nor did I initiate any transaction with the alleged original creditor. This debt was made at a time where I was not living at the address in question and have no recollection of signing up for an account with the original creditor. I requested validation of this alleged debt in XX/XX/2022 and have not received any response. Also in XX/XX/2022, I sent them a cease & desist as well as an affidavit of truth and have yet to receive any response, I sent all of these items with certified mail, and return receipts, and I have the documentation that they have received the communication but have failed to respond. The amount of this alleged debt is {$1600.00} and due to the reporting of this false debt my credit score and worthiness has dropped immensely, currently affecting my ability to apply for a proper living shelter as I am currently without a home due to the death of a parent. I have not granted KINGSTON CREDIT AND DATA any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe or furnish an infraction on my credit report based on debt that they have assumed ( bought ) from a creditor. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding the cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Kingston Data and Credit. can provide me with sufficient documentary evidence that I have any legal obligation to pay them specifically. If this documentary evidence can not be produced and Kingston Data AND CREDIT continues its collection efforts, I will file for litigation for actual damages caused and Kingston Data AND CREDIT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, and theft by deception. I am demanding this be removed from my credit report within 10 calendar days or I will see them in court. Also let it be known the phone number that is supposed to be their number on my credit report is no longer a working number and I have not since found a working number for them. 
Thank You, XXXX XXXX.
Product: Credit card

I have a promotional 6 month APR XXXX XXXX for A few purchases. This month in XXXX that promotional period ended for 3 of the purchases for XXXX  % at least thats what it shows on my statement! It looks as if they added the interest of the full purchase amount from six months ago. But it still wouldnt equal the amount that they are charging. The one intital charge of {$300.00} on XX/XX/XXXX  now has a balance of {$86.00} but they charged me {$30.00} in interest? If I only owe {$86.00} how are they charging interest at the full {$300.00} initial amount times the 6 months. If I knew this acted as a payday loan I wouldve never used this card. Nowhere in the disclosure does it tell me the initial amount is what is charged at the end of the promotion for the APR at XXXX  % Regardless of what youve paid it down to. Times the six months promotional interest missed. Theyre still charging monthly interest as if you still owe the full amount from 6 months ago. How are they calling this a promotional period when they just tack on all of the interest that you missed in the promotional period time when it ends? This is a scam. How can a company that operates this shady way be trusted consumers can not rely on these sorts of practices. They set you up that your account could never be paid off.
Product: Checking or savings account

On XX/XX/year> I deposited XXXX into a XXXX XXXX called XXXX on a new card where I won XXXX XXXX  and I tried to cash out and they said to contact support so I did. And they said my account is being restricted and wont be able to cash out my funds and I tried asking them for my money back and no answer. They just told me to contact my bank I have proof of that too. And I contacted Wells Fargo making a claim saying XXXX didnt give my my goods and I just got a letter from Wells Fargo right now saying they will not return my XXXX dollars because I made the transaction. Even tho I never received anything so I got scammed by XXXX. And On XX/XX/XXXX I got the case from Wells Fargo saying that it didnt happen and to contact XXXX  to get my funds back. However I did contact XXXX  once again and they said to contact my bank to get the funds.
Product: Credit card

I do not recall the exact date, but a call was made after acquiring {$100.00} of interest fees on top of the monthly amount I was already paying. I have not made any recent purchases with the card, yet the balance remains the same. I have made multiple payments a month and still have fees taken out. When I called and complained about the issue, I was met with a response of you should have read the packet. I explained I did not originally inquire about this company as they began sending advertisements to my home. This can be seen as misleading and with no resolution to lower the amount of fees to fit personal finance situations. I feel stuck.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax and XXXX requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Equifax Unauthorized Inquiry : 1 ) Creditor : XXXX  Date of Inquiry : XX/XX/XXXX  Please remove this unauthorized inquiry from my credit report Unauthorized Inquiry : 2 ) Creditor : XXXX  Date of Inquiry : XX/XX/XXXX  Please remove this unauthorized inquiry from my credit report. 

XXXX 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting

I have never resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. That is a completely foreign area to me.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I have not benefit from. I notice collections accounts specifically, whom I did not have a contract or agreement with. If I owe the original creditors, that is one thing. I would like a validation of debt, because if not I will be suing each collections account and company listed. Please remove these from my credit reports immediately and permanently!!!
Product: Mortgage

Hello and thank you for offering this service, it is nice to know that there is a government entity that provides a place to be heard and hopefully justice kept inline because of it. 

What happened ; In XXXX XXXX XXXX approved me for a 30 year mortgage. I am in excellent standing with XXXX XXXX. 

XX/XX/XXXX I received a notification of assignment, sale or transfer of my mortgage loan to XXXX XXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX. 
I don't know what to do with this information. 

- XX/XX/XXXX XXXX XXXX sends me my monthly bill and statement, which I pay. 

- XX/XX/XXXX XXXX XXXX sends me my monthly bill and statement, which I pay. 

- XX/XX/XXXX I received a letter from Select Portfolio, stating that my loan will now be paid to SPS. Confused by this letter and no warning from XXXX XXXX I speak in person with two XXXX XXXX Mortgage agents, they too are confused and after many phone calls determine that I am to send my mortgage payments to SPS. 
I am upset that XXXX XXXX did not inform me. 

XX/XX/XXXX XXXX XXXX sends me my monthly bill and statement. Confused, I pay. 

XX/XX/XXXX I finally receive a transfer of servicing mortgage loan from XXXX XXXX to Select Portfolio Servicing. 

XX/XX/XXXX Select Portfolio servicing sends me a letter of their payment address. 

XX/XX/XXXX Select Portfolio servicing sends me my mortgage bill and statement. Which I pay. 

XX/XX/XXXX I received from XXXX XXXX Mortgage Company, a notice of assignment, sale or transfer of ownership of mortgage loan ; Select Portfolio Servicing. 
I am confused by this letter of yet another possible sale!? 

XX/XX/XXXX Select Portfolio servicing sends me my mortgage statement and bill, which I pay. 

XX/XX/XXXX Select Portfolio servicing sends me my annual escrow account disclosure statement and my new escrow payment amount. 

XX/XX/XXXX Select Portfolio servicing sends me my mortgage statement and bill, which I pay. 

XX/XX/XXXX Select Portfolio servicing sends me a notice of servicing transfer. 
Loan now transferred to XXXX XXXX XXXX XXXX. 

Complaint ; My loan was transferred twice almost three times in less than five months! 
Each time requires time and effort in setting up new company to pay. 
Is this legal, of so why? 
How many people are currently experiencing this and what is the intention behind the buying and selling of home loans? 

Thank you for your time and effort. 

- XXXX XXXX
Product: Debt collection

XXXX XXXX in XXXX XXXX, has called me as a collection/private agency between XX/XX/XXXX threaten me and my family member saying they have cops on the way to serve me paper to have me arrest. Looking up my father information his social security, and giving it over the phone to other. tell my family they have them subpoena to testify on their behalf.