23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Submitted an Appeal for the Denial of my request for Mortgage Modification. I have sent in all requested documentation prior to any deadlines on several occasions in a timely manner.This documentation was submitted in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which we discussed in XX/XX/XXXX. 
Once the request for Modification was submitted in XX/XX/2018, XX/XX/2018 and then Ocwen requested additional information in XX/XX/2018, at that point I resubmitted the information as well as another copy of the modification request. The documents listed below were attached. 
Medicare Award Letter {$1000.00} and listed, Medical monthly deductible {$130.00}. Bank statements showing Medicare returning his deductible because he has MediCal as secondary medical insurance. 
I provided all Bank Statements, in a timely manner. 
I attempted to make payments online and the payments were not accepted. According to my records ( which I received from Ocwen Payment Center ), I have not been late on any of his mortgage payments in the past years. 
Since modification documents were not reviewed or completed in a timely manner, the Mortgage Servicer, XXXX XXXX, Trustee Sale Assistant and Contract Management Coordinator at ( XXXX XXXX, XXXX. ( Civ.Code:2923.5 ) failed to contact me, regarding any financial options regarding his mortgage payments or the unauthorized lien payment that Ocwen paid. No initial contact was ever made. 

My father is a XXXX  Veteran with major health concerns that have kept him XXXX XXXX  XXXX XXXX. He is in need of keeping his home as this is his only place to live. He needs care that is supplied by me and Caregivers. 
To file foreclosure is so wrong on many levels of decencies and respectability to a XXXX Vet and/or any person that is able to pay on time. Ocwen, Relationship Manager has cause great harm to us by not accurently reviewing the mortgage modification documents in a timely manner then denying modification. 
We never knew XXXX XXXX, XXXX existed till received certified documents XX/XX/XXXX to addressee. 

In light of these facts, I request that you reconsider your decision about the Notice of Default for this order is invalid and should be rescinded and modification be re-reviewed for reduction. 

I greatly appreciate you taking the time to read this and the attached document. I am happy to talk or email with you at any time to discuss this further so this matter can be resolved. 

Respectfully, Request 1. Explanation to all additional/extra dollars/fees that Ocwen attached to the loan that were never stated orally or in writing be explained, and subtracted from Ocwen ( Debt Collector ) and Lender ( XXXX XXXX, XXXX c/o XXXX XXXX XXXX XXXX XXXX ) loan Docs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Mortgage

this problem began in XX/XX/XXXX, my wife took out a mortgage with XXXX XXXX XXXX  with an interest rate of 10.5 percent and ceiling of 17.5 percent and they quickly sold the mortgage to XXXX XXXX and that is when the problem began. I hired an attorney from XXXX XXXX, XXXX XXXX, and when it came to going to court XXXX XXXX sold the loan the day before the court date to XXXX. to make a long story short the day before XXXX was to show up for court they sold the loan to XXXX XXXX XXXX. and it started all over again and XXXX XXXX XXXX sold the loan to Select Portfolio Service ( SPS ) the day before the court date. SPS has had the loan over 2 years and in trying to modify the loan to get the interest rate in line I have never talked to the same person twice. we filled out all the papers for the modification and before they could get back to us certain parts were outdated and had to be redone. Eventually they accepted the modification after two years of fighting to get it done but we have yet to receive anything in writing pertaining to the modification and have not done anything in a timely manner and the people we spoke to at SPS ( who was never the same person ) never noted the file and we had to repeat everything again. they say they have everything needed for the modification and a decision will be made in 30 days. We hired XXXX XXXX XXXX XXXX out of California who stated they looked at the files and feel it is predatory lending and forclosure fraud by all of these companies. they doubt if any of these companies ever recorded the change in going from one bank to the next.We have been in this house since XX/XX/XXXX
Product: Checking or savings account

I deposited a {$1000.00} check that was from a grant that was awarded to my business and Chase decided to place an excessive hold on the funds without a legitimate reason. The funds were deposited on XX/XX/year> and cleared the originating bank the same day. I was provided proof from the originating bank that the funds had in fact cleared with a copy of the original check ( front and back ). I contacted Chase multiple times since the check was deposited and each representative gave conflicting information and flat-out lied about the legitimacy of the funds and stated the check looks like it's going to return. I went to a local branch with all of the proof and they attempted to remove the hold because they were able to see the check cleared, but Chase 's back office team refused to allow the hold to be removed and did not give an explanation. The only feedback I keep receiving is the check has to remain on hold until XX/XX/XXXX. That is a 9-day hold that makes no sense once so ever. 

Due to this, I can not pay bills or operate my business. We have to close and lose money because we can not pay any of our operational expenses.
Product: Credit reporting or other personal consumer reports

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an advocacy group assisting me as a victim of XXXX XXXX debt bondage, which is categorised under trafficking as per Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a claim against Experian, XXXX, and XXXX to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's does not correct on XX/XX/23. XXXX responded stating that all information was removed and requested Experian, XXXX, and XXXX to remove the same information as well. However, all of the incorrect information still remains. Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to XXXX8 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX ) XXXX XXXX XXXX Account Number : XXXX No late payment XXXX ) XXXX XXXX XXXX Account Number : XXXX No late payment XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX No late payment 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
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. 

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/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$18000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Checking or savings account

In light of the XXXX XXXX scandal, I would like to report a similiar fraud with Bank of America. On or about 2014, I had opened a Checking Account with Bank of America. Without my knowledge or consent, a Savings Account was opened in my name. After realizing I incured a {$15.00} fee, I went to the branch to resolve the issue. I was told that when I signed up for the account I consented to the charges and the teller showed me the signed form. When I told her that was not my signature, she simply stated she should not have showed that to me. The branch said they would try to resolve the issue and I also reported the issue via phone to customer service. The matter was never resolved, I never received a refund, and I just closed my accounts. I suspect a cover up for falsify documents and my signature to create an account.
Product: Debt collection

The collection agency in question is Kimball, Tirey, & St. John , LLP.

My issue with them is as follows : They were awarded a judgment against me by the California Superior Court and subsequently awarded authorization to levy my bank accounts. I paid the Levying Officer ( XXXX XXXX County Sheriff ) the full amount due plus all interest accrued up to the day I paid them which was XX/XX/2019. The XXXX  clerk verified the total amount due the day of and issued me a receipt for the payment rendered.

Several days after this I received a telephone call from Kimball, Tirey, & St. John , LLP attempting to collect the debt. I advised them that I had indeed paid the Levying Officer and that our business was done. The called the XXXX   and verified that I made the payment and stated that it was the policy of XXXX  
Levy Officer to payout judgments towards the end of the month and it would be three weeks before they received the payment. Now two days
ago, I receive a Memorandum of C

ost After Judgment from Kimball, Tirey, & St. John , LLP seeking an additional {$21.00} in interest ( apparently accrued during the time period they were awaiting payment from the Levying Officer ). I feel that this is extremely unreasonable on several fronts : 1. I can not control when the Levying Officer pays Kimball, Tirey, & St. John, LLP ; I paid the Levying Officer as directed by the court. 2. I paid all interest that accrued up until the very minute my payment to the Levying officer was received and I have substantiating documentation. 3. This Memo is supposed to be responded to within 10 days yet it was 10 days old when I received it. I believe that the actions of Kimball, Tirey, & St. John , LLP are unreasonable and unfair. I have nor reason to believe that even if I paid the {$21.00} that they would not com e back and say that there was
additional interest accrued since their Memo issued on XX/XX/2019. This could conceivably go on in perpetuity.
Product: Student loan

Navient is my student loan service provider. In XX/XX/XXXX, I was told by a Navient representative that I could apply for an income-drive repayment plan to lessen my repayment amount and I was informed of the paperwork needed. I was told that I would get a 30-day grace period and was specifically told the 1st payment would not be due until XX/XX/XXXX. I was not given a specific deadline for my paperwork to be submitted. I was also given a monthly repayment amount. 

I submitted the paperwork 2 weeks later, around XXXX. In XXXX XXXX, I received an e-mail confirming I was approved for my income-driven repayment plan ( which was suggested and selected FOR me ), that my monthly payment was approx. {$100.00} more than the amount provided to me in XXXX, and that payment was due within the next 24 hours. I called Navient immediately, and explained what the representative told me in XXXX ; that I would not have to begin repayment until XX/XX/XXXX and that my amount should be less than what was stated in the e-mail I recently received. I was told the previous representative gave me wrong information and there was nothing they could do about it. The previous representative FAILED to tell me that there was a deadline to submit my paperwork in XXXX, because one of my loans was close to repayment around the time I called Navient in XXXX and if my paperwork was submitted after the that loan entered repayment, I would no longer qualify for the 30-day grace period. Additionally, the previous representative FAILED to tell me that she was not including one of my more recent loans in her repayment calculation and that is why my repayment amount was {$100.00} more. I was led to believe the plan I selected would have a less expensive repayment amount, when it actually did n't. Now I am stuck struggling to pay my loan payments each month ( late ) because their representatives intentionally misled and misinformed me.
Product: Debt collection

XXXX XXXX XXXX is threatening to place a judgment against me for a debt which they purchased from Capital One. I have never entered into a legal contract with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the time the CARES ACT was put into effect, our business revenue had dropped by 70 % so we chose to apply to Wells Fargo for temporary payment suspension on our home mortgage Act # XXXX. The application clearly stated " We won't charge late fees or report additional missed payments to the credit bureaus ''. Our mortgage was current at the time of the application. The application was granted on XX/XX/2020. On XXXX we noticed my wife 's XXXX credit score, as it appears on XXXX XXXX, had dropped 41 pts and mine, as it appears on XXXX XXXX had dropped 4 pts. This has been since the application was granted and after we did not make our XXXX mortgage payment. XXXX XXXX lists the reason for change as Wells Fargo using the term " Forbearance ''. XXXX lists Wells Fargo as the change and shows " Paid as Agreed '' and " Past Due Not Reported '' I contacted XXXX, ID : XXXX at Wells Fargo today, XXXXXXXX and in a conversation that I have recorded he stated they were being inundated with customer complaints and literally got a memo about this issue with talking points specifically naming XXXX XXXX within the hour of my call. He tried to assure me this should not have a negative effect on my ability to obtain credit and I stated that wasn't my concern. A 41 point drop on an XXXX  score is hardly re-assuring and the fact that is now a matter of record. I have not been able to reach any of the Credit Bureaus and I am seeking the CFPB 's help in getting this removed from our credit history and elevating our scores back to their previous levels.
Product: Student loan

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part.
Product: Debt collection

i co signed a car loan for my son which ended up i. collections with kohn law firm they lied to us from the beginning so they could get their information they wanted my son to pay almost {$800.00} a month on the bill they wouldnt work with him. he called i think it was the end of XXXX to talk to them again about lowering the payment and he recorded the whole phone call they where rude to him then they went on to tell him he had to other accounts their that he was paying on and went on the tell him what they where and how much and they where my accounts and i wasnt on the call at all. its all on tape. then i called them back around the week of XX/XX/XXXX to make a complaint on what they did and they violate my rights they told me they would call back in couple days didnt hear anything so i call XX/XX/XXXX told me their lawyer wasnt in that they they would call me the next day i got a call XX/XX/XXXX from someone that worked there and was told that their lawyer was watching the account closely now and knows everything that went on and then asked me if i wanted to set up payment plan i told her they didnt even say sorry just that they are watching it closely nowi was connecting someone cause my rights are violated and they broke the law. the totally amount owed is {$9400.00} and we have the recording if you want
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with Aspire Credit Card. I had never been late on this credit card and over the XXXX years of having the account. 

I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. 

I contacted XXXX and informed them that I would be paying off my balance of XXXX} in which I did and in agreement that they would remove any XXXX late for XXXX and XXXX. Once I paid the XXXX  giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX late for XXXX and a XXXX late for XXXX showing me XXXX days late on this credit card account. 

I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them {XXXX and paying the account off in full. 

XXXX lied to me as a consumer and I feel that they should be XXXX and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.