23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This loan has been bounced back and forth between Ocwen loan servicing, Option one, American Home servicing, homeward, XXXX XXXX and others since it was issued.When Ocwen was pressed for info before by myself and CFPB  ( XX/XX/2016 ) they provided incomplete ( 4 years missing ) and inaccurate info.From what they did provide several ( thousands of dollars worth ) payments were held in suspension until late fees were created.Many went to fees for foreclosure even while the loan was in bankruptcy.Many seem to have just disappeared all together.Charges were made for inspections 5 times in a three month span several times.There were large payments that look like they disappeared via fees.We are even being charged for the service collecting payments.I have a legal services attorney but she is limited to defending only and can't file against these service company 's. 
As first time home buyers we were at the lenders mercy.Interest rate was set at 11 % until we sat down for the closing when it changed to 14.475.We had no idea we could decline the loan at that point due to the change.Ocwen never addressed the fact that we were never told or provided any info about rescinding the loan.I was unaware they had to provide that info or I would have pressed the issue more.I believe the time limit doesn't start until the info is provided which it still hasn't.These company 's are doing all they can to line their pockets at consumers expense. 
I would rescind this loan if I had been given the option at any time.We were conned into a high interest rate loan that we didn't qualify for but have tried to pay for it.They continue to claim amounts that aren't legally due and have made thousands in charges eating up much of whats been paid.Most of those charges are unexplained and their record/coding is all but impossible to decipher.i believe this is so as it would be hard for a person to tell where all the bogus charges are hidden.We have paid well over 65,000 on a XXXX loan.If payments were credited correctly the loan would be paid.Payments over what was due were held in suspense, but in escrow or used up as bogus fees not applied to the principle as the contract states.Payments were to be applies to interest, principle first as per our contract. 
I think I have the right to demand they provide the info regarding rescinding this bogus mortgage and be allowed to do so. ( time starts when notice is received ) .Company 's should be forced to adhere to the laws regarding consumer protection and be made to pay a penalty for failure to do so.
Product: Credit card or prepaid card

My bank, XXXX, sent a payment on XX/XX/21 to Bank of America in the amount of {$3300.00} to pay off my account. XXXX says that Bank of America processed the payment but they say they never received the payment. I contacted XXXX on XX/XX/21 and they gave me Trace # XXXX for reference. Bank of America said that is a number only good for XXXX. I opened a " payment error inquiry '' with Bank of America on XX/XX/21. I received a letter dated XX/XX/21, right days later, saying they have no record of the payment, even though they told me it could take up to two billing cycles. I called XXXX because Bank of America said to but they are not willing to help me. Neither XXXX nor Bank of America are willing to do anything further for me. 

I don't know what to do because now Bank of America says I am behind on my account and wants a payment I don't have right now.
Product: Vehicle loan or lease

I refinanced my XXXX XXXX XXXX with PenFed Credit Union and they are not managing the loan. First they force placed insurance after i and my agent sent them proof of insurance since the beginning of the loan. Then they just now increased my interest rate to 14.00 % as they say they are not the leinholder on the title. I took all the paperwork to the DMV and they said Pen Fed has to perfect the lien with the state, not I. I gave this info to Pen fed and then the response was this letter. They have increased my payment XXXX a month. I need you to get involved please.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$120000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$110000.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 29 Creditor Classification : Activity Designator : Paid and Closed Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Conventional RE Mortgage Date of First Delinquency : N/A Comments : Fixed rate
Product: Credit reporting or other personal consumer reports

I am refiling and resending this complaint again to EQUIFAX because it seems that they are NOT doing their job and they are so irresponsible with the documents that I sent out to them, when I called them last XX/XX/XXXX XXXX with the confirmation number XXXX they said that they received my FTC report, cover letter and IDs for the dispute that I have requested to them and they will be disputing the unauthorized inquiries that are in my credit report. I called again last XX/XX/2023 and then they said that the unauthorized inquiries were removed in my credit report but when i generated my credit report I still see these unauthorized inquiries in my credit report. I called back again XX/XX/2023 with confirmation number XXXX this time they told me that these unauthorized inquiries are still in my credit report and they did not receive my FTC report. 

Please I need your help on this matter to address this concern to the bureau. 

I have attached the copy of the FTC report I filed with the report number XXXX since according to EQUIFAX I need to resend this.
Product: Debt collection

{$490.00} TRANSWORLD SYSTEM INC/ is the company claiming to have been paid and also had my debt. This is incorrect and the original amount was paid directly to XXXX and i have several payment confirmations as well. Which was summitted to them back on XX/XX/year>, and also back XX/XX/year> as well as XX/XX/year> Original creditor : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian consumer reporting has some wrong information on my credit report. I disputed that by paying fee. They came back after XXXX month stating they can not change the information. 
1. Residential address ; XXXX XXXX XXXX, XXXX, XXXX [ I lived at that address for XXXX years, I have now sold that property. 
2. Residential address : XXXX XXXX XXXX, XXXX, XXXX. [ I never lived at that address. ] PS : The same address can not be in two cities and I can not live on both address at the same time. I tried calling Experian but the call goes to automated system. No one ever picks up the phone. 
3. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived at that address. I am just a non-occupying co-signer. The consumer report showed the full amount of loan in my name which resulted in decline of services and credit request.
Product: Credit reporting or other personal consumer reports

TransUnion reports XXXX missed or late payments for XXXX XXXX. These are inaccurate, unverifiable, and XXXX failed to follow proper steps before reporting, violating FCRA 1681e ( b ). I request immediate correction or removal.
Product: Credit reporting or other personal consumer reports

i recently just look at a copy at my credit report and i notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting me to obtain/ get credit.
Product: Credit reporting or other personal consumer reports

Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( XXXX ) under FCRA 611 ( a ) ( 7 ).

In addition to that complaint, I sent a formal written validation demand to the Creditor for the inquiry you are reporting. I received a denial of process and an assertion that the records of the inquiry ( ies ) reported were, in fact, UNAVAILABLE, or so they claimed.

Regardless of whether you or a third party collected this information, you must have an adequate record to legally substantiate the claim ( s ). If you do not, the claim ( s ) are UNVERIFIABLE, invalid, or not factually certified in compliant reporting ( including adherence to mandatory XXXX XXXX format standards ). Any other deficiency of factual reporting or process in reporting renders the allegations unfit and, therefore, CAN NOT be LEGALLY reported. Tort law is quite clear in this matter! 

You have NO MORE THAN 5 DAYS to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you fail to do so, I will be forced to commence the unpleasantness of a Section 1024.35 ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines for Credit Reporting Agencies. 

The questionable, if not altogether erroneous, inquiries you are reporting, each of which REQUIRES ERADICATION from reporting IMMEDIATELY and PERMANENTLY
Product: Debt collection

Credence Resource Manage have not provided the purchase agreement. 
XXXX XXXX XXXX XXXX XXXXXXXX This company is reporting fraudulent inaccurate information on my credit report.I have requested that they provide purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I my complaint is with my loan services XXXX. In XX/XX/XXXX. I experienced a hardship and found myself homeless. I was living online hotels and shelters with my XXXX  year old son. I was having such a difficult time that my loans fell out of deferment. In XXXX I contacted XXXX customer service and explained that I was homeless and need to request assistance. I was advised by the representative that I qualified for hardship and that she would retroactive the account status back to the initial time that I was evicted. The representative explained to me that she would send the request to the credit department and that my account would be brought back to current. I was asked to allow 30 days. The next month I checked my credit report and it was still showing the 90 day late status. I called again and was advised again that the credit department will update the status. This never happened. In XX/XX/XXXX. I submitted a good will dispute as advised by the respective to the credit department at XXXX. Never received a response. I made several phone calls to XXXX about this issue over the past almost 2 years. To no avail. The representatives are not helpful and they do a poor job of communicating and documents. I even uploaded my eviction documents as requested to the portal. I submitted 2 other disputes because I was told that they can not remove the lates payments. They have been servicing my loan since XXXX and my credit report shows several months of no reporting of data. They have never accurately reported the status of my loan. By law according to FCRA. They are required to report complete and accurate data. They have missed 6 months of reporting in most of the years of my loan. I also showing 3 different account numbers being reported on each of the Credit Bureaus, which is a clear violation of FCRA 609. I argued that how can you report a late payment on a hardship, but also not report accuracy each month on my loan? I'm asking that ALL inaccurate and derogatory entries be removed from my credit report IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I never recieved a response from three credit bureaus as I sent a letter to them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Please correct the following accounts as they are inaccurate : XXXX XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX Balance : {$340.00}.
Product: Credit card

I received an email from American Express on XX/XX/12 @ XXXX hours ( EST ). The email requested I contact American Express, via XXXX, reference my application with them ( Ref : XXXX ). However, I never submitted any information or application with American Express before or recently. This activity was undoubtedly fraudulent. 

I contacted American Express fraud department, via the number provided, and reported the matter. I requested a fraud report # with them and they advised the reference #, mentioned above, was their fraud report #. I also requested what information was submitted on the application. I learned the following, but not limited to, were exposed/submitted : my name, DOB, and email. American Express fraud department told me they would further report the matter to the appropriate governmental bodies ( FTC/credit bureaus ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that JPMCB cease and desist all communications and negative reporting from my credit report on XXXX and remove the closed accounts. JPMCB has agreed to stop communications with me but continues to report negative activity on closed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my inquires, I did not give these companies permission to use my credit, I am not responsible for 12 hard inquires on my credit report, according to the credit law these 12 inquires have to be taken off my credit report, 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: Debt collection

I 'm being harassed by American Coradius International LLC on behalf of the  XXXX   XXXX   XXXX . This company has been harassing me and anyone who knows me for the past two months. I have explained to them over and over that this debt does not belong to me and to stop contacting me. I have disputed their claims over and over and they continued to harass me contacting me before  XXXX  and calling after  XXXX . They call at least five times a day. They recently contacted my employer stating that they were calling to inquire information about me concerning workers compensation and after the owner asked for more information they explained that they were looking to collect a debt from me. After speaking with the owner of the business I work for, they contacted my direct supervisor after close of business stating they were trying to collect a debt from me. I 'm not sure how they found my supervisor 's information but they are continuing to call her and harass her now. This company needs to be investigated for harassment and sued for providing false information. Their constant harassment has caused me emotional stress and embrassment because now my employer and supervisor have been contacted and giving personal information. This has been a complete nightmare. I have been to the emergency room twice because I have developed  XXXX   XXXX   XXXX  and have been placed on medication all because of this companies unprofessional collecting tactics. I want to take legal action against them because they never sent me anything confirming the debt, they are harassing me day and night and now contacting my supervisor and the owner of the company I work for.
Product: Payday loan

I applied for this payday loan but the interes charges are too high. the amount I applied for was XXXX and they have been taking money from my back account every payday. I need help. the interest rate is XXXX % for a total of {$1600.00}. I think they are stealing from me. this is not supposed to be so high!! htey did not tell me that when they called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX XXXX {$2600.00} DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX {$2500.00} DPT EDXXXX {$4200.00} XXXX XXXXXXXX {$530.00} XXXX XXXX  XXXX {$520.00} US DEP ED XXXX {$6300.00} XXXX {$5400.00} XXXX XXXX {$540.00} XXXX XXXX {$530.00} XXXX XXXX {$700.00} EQUIFAXXXXX {$1000.00}
Product: Credit reporting

XXXX XXXX is reporting a collection account from XXXX on My Transunion, XXXX, and XXXX credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I received promotional financing through XXXX XXXX for 24 months no interested. My total purchase was in the amount of {$2500.00}. I made a {$250.00} payment on X/XX/2017 and another {$250.00} payment on X/X/2017. Due to the promotional financing I received, my balance should reflect {$2000.00}, however the balance reflects {$2100.00} online. I contacted GreenSky and was advised that the website was newly developed and that when I receive my statement in the mail I will see that everything is reflected correctly. However, I received my statement in the mail and it reflects exactly what is online. The balance reflects a finance charge in the amount of {$51.00} and my next payment amount is showing the be that exact amount. I am not understanding why my payments are being applied to interest if interest will be waived if I pay off the account within the 24 month promotional period. I contacted GreenSky again today and the agent I spoke with was rude and placed me on hold for several minutes with no resolution to my concerns. I think my billing statements are incorrect and my payments are not being applied correctly.
Product: Student loan

I submitted my application for the 'Borrower 's Defense To Repayment ' plan over 2 years ago and it is still in " processing '' status despite the fact that I am MORE than qualified to have my loans forgiven AND {$18000.00} in what I've already paid on them reimbursed. The for-profit institution I attended was XXXX so proving they broke the law wasn't hard. 

It's bad enough this Secretary of Education is stringing me along and having me believe the program I have no faith in actually reimbursing me will pay out, but it seems now that she's selling students debt info to debt financiers and now my federal loans are being chicken hawked by shady debt goons hoping to put me in more financial ruin. As soon as Secretary XXXX finished her sham legal battles this year ( which ground all repayment programs to a halt ) I started getting student loan forgiveness calls from the 'Student Loan Advisory Board ' which I've requested to stop. 

XXXX XXXX is a menace and should be lumped in along with her brother into the current Presidential investigation. I've never experienced anything so insulting and absurd than the way she has treated these programs meant to lift people out of poverty and despair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : Credit Collection Services, 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.

I don't owe this company.
Product: Credit reporting or other personal consumer reports

Unlawful sharing of my private information without my consent, with any and all third parties, including but not limited to credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In review of my most recent credit report, I noticed that Capital One was reporting {$7.00} late in XXXX of 2019. I normally make {$100.00} payments each month, and on XX/XX/2019, I made a payment of {$250.00}, which I will attach. The {$7.00} was clearly to pay the entire balance and is what is shown on the Capital One website. This is being reported inaccurately.
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I

have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX