23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX XXXX approved a loan modification for me then transferred my loan to Ocwen inXX/XX/XXXX. When my loan got to Ocwen they wouldnt accept the modification that was already in place with XXXX. I have been trying to find out what happened to the notarized package that was sent in XX/XX/XXXX, and why Ocwen wouldnt accept what XXXX had already approved for me. Please help me! I have been in my home 24years and I dont have anywhere else to live once my home is sold on XX/XX/XXXX. I didnt just leave my home like many other homeowners would have done. XX/XX/XXXX to Present Ocwen has been denying me the Modification that I had in place in XX/XX/XXXX. Ocwen didnt acknowledge ever receiving my XXXX Notarized Documents of XX/XX/XXXXuntilXX/XX/XXXX. I continued from XX/XX/XXXX to present to ask for my modification but I continue to get letters from Ocwen saying " Investor Doesent Participate in the HAMP ''. Ocwen wanted me to leave my home and I didnt. I did nothing wrong. My loan transferred to Ocwen and once my documents go to them, the process stopped. Ocwen didnt tell me about my Notarized Documents until 5years later. When my loan transferred to Ocwen in XX/XX/XXXX, I owed {$31000.00} in Arrears, today my Arrears are {$370.00}.
Product: Credit reporting or other personal consumer reports

I appreciate the effort made to remove certain items from my file believed to stem from alleged fraudulent activity. However, there remain items that require removal. Pursuant to FCRA Section 605, you are mandated to expunge any items listed on an FTC Report, numbered # XXXX. I have previously provided these items in both the report and the preceding letter, and I am resubmitting them here alongside the new FTC Report, numbered # XXXX. I have apprised my legal representative of my intentions, and they are prepared to take appropriate action should you fail to comply willfully. Below are the remaining items for removal, categorized by bureau : 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 XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that you have four business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to E-OSCAR or any automated verification methods.
Product: Debt collection

I have an auto loan originally with Nissan that has now been charged off and closed for {$15000.00}. I contacted XXXX  XXXX  and spoke with a manager name XXXX and I had Nissan loss recovery rep on the line as well within this conference call. I told XXXX  manager that I want them to delete my financial information originally I gave them as a payment agreement that I set up initially a day prior to get this debt resolved and to have credit updated ultimately in the end. Upon me finding out that XXXX  doesnt do credit reporting., I then preceded to tell them to cease and desist calling me and send account back over to Nissan for me to work directly with them because they are the original creditor and who I actually owe. I tried to make arraignments originally with Nissan in the past but I wasnt able at that time due to covid illness and no longer working. I and the Nissan rep was told by XXXX  supervisor XXXX that they ceased the calling and communication on the account and that it depends on when Nissan pull the account back which they never will, and later finding she was somewhat lying. She also did not verify with me o. That call specifically if they deleted my financial information of my debit card that I had given them. After getting off that call the Nissan rep confirmed and verified with me that Nissan have closed the account and charged it off after reselling the vehicle and no longer proceeded with collection efforts and that XXXX bought the debt from Nissan as a third party collection. She also stated to me that if XXXX  doesnt collect on debt that they would in turn sell the debt to another debt collection agency because Nissan is no longer involved and credit reporting may not even be updated even after payments made to third party collection agency because Nissan no longer report to credit bureau after account closure, write-off and debt selling of which I would incur problem with credit updating in the future.ed with this account by letting me know ultimately where I stand with Nissan directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX  a balance due of {$63000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I traded this vehicle in and XXXX XXXX was paid in full. ( Please see attached Account Closed summary dated XX/XX/XXXX, as well as the Last Payment statement dated XX/XX/XXXX. ) This false reporting of a closed account with a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks
Product: Checking or savings account

Hi my name XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. On XX/XX/2020 SBA deposit {$4000.00} to my business account for covid19 relief. OnXX/XX/2020 me myself made a cash deposit inside branch for {$4000.00}. I XXXX XXXX the XXXX of XXXX XXXX XXXX XXXX never received a debit card from Associated bank for XXXX XXXX XXXX XXXX until XX/XX/2020 so yes u see numerous of XXXX coming from this business account sending to the same people who are XXXX XXXX XXXX employees. SBA approve XXXX XXXX XXXX deposit that was made on XX/XX/2020 into company account ending in # XXXX. SBA are also very aware of when XXXXXXXX XXXX XXXX XXXX were established so Im confused to why Associated bank will make false accusations stating that in order to get an SBA business loan your company have to been establish a certain period of time XXXX XXXX XXXX XXXX are active with the state of Illinois, and IRS. Associated bank stated they sent SBA deposit back SBA stated over the phone that the deposit made on XX/XX/2020 for XXXX XXXX XXXX XXXX  can not be reverse. XXXX XXXX XXXX XXXX business account with Associated bank still frozen as of today XX/XX/2020with available balance of {$5300.00}. I have phone records, emails that Associated bank received XXXX XXXX XXXX business documentation in a timely manner. Ive made numerous visit to the branch with an email from banker saying she tried reaching out to XXXX, also she forward all documentation. Associated bank have made numerous of false accusations toward me and my company that make me the XXXX  believe an employee of Associated bank trying to steal. Below are evidence of the accurate deposit that was made from SBA to XXXX XXXX XXXX XXXX with 2 recent bank statement from Associated Bank to justify that our company money are still available and not sent back. SBA stated they can not accept deposit back because it have been approve for XXXX XXXX XXXX XXXX. I have disclosed a copy of my personal bank account statement showing that I use my personal account for business purpose and do not have to use SBA loan for personal use. My company already gross {$8000.00} in XXXX and {$14000.00} In XXXX that I have circle on my personal account statement so please stop making false accusations against me and my business. Associated bank trying to make it seem like XX/XX/XXXX are a criminal this not right and should be against the law. If Associated Bank would have did their proper investigation by giving me the XXXX a call instead of judging of how it look my account will not be frozen as of today XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

On XXXX XXXX 2016 at XXXX there was a call place to Heavner, Beyers & Mihlar, LLC in regards to my account according to the caller they spoke with an employee by the name of XXXX, she proceeded to disclose information in regards to my account such as the beginning balance to how much is left the amount paid in and the last payment received without verifying the identity of the caller, when ask their company procedure when verifying the consumer befor releasing information she stated the caller said their name and according to the FDCPA she has violated the third party disclosure act. I am currently employed as a debt collector and know that puts not only the debt collector as well and the employers in financial risks.. so if at all possible can u direct me to whom or where I can go to seek monetary fines in relation to this violation.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX XXXX XXXX to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Transunion, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act.

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information.

Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ).

Moreover, it has come to my attention that the information shared through credit bureaus like Transunion has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors.

As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts.

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX XXXX XXXX based on false or unverified information reported through XXXX may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Product: Mortgage

Regarding complaint XXXX : Following my earlier response, the company forwarded the attached information to evidence the matter had been resolved and title to my home was now correct. However, upon reviewing the attached, it indicated that the home was now owned 75 % by my wife 's trust and 25 % by my trust. The home was transferred to both of our trusts 50/50 in 2000. Please see attached evidence. This issue has NOT been resolved.
Product: Credit card or prepaid card

On XX/XX/2018 I received a phone call from XXXX, there was an automated voice that said to speak to someone about getting 9 % off credit card balance press a number. I pressed that number to speak to someone to cancel my credit card. A live person spoke to me and said I owed {$1000.00} on my card, I said I do not owe any money on my card and asked if they were with Chase bank, he said he was, I asked for his name he said " XXXX XXXX '' and then he started to swear at me vulgar things so I hung up. I then called Chase bank and reported it to them, they said the person who called me is not a representative of Chase bank.
Product: Money transfer, virtual currency, or money service

I have a XXXXXXXX XXXX  account under XXXX and I have a {$100.00} balance on my account and I been trying since XXXX to have the money sent back to me cause they have my account suspended. And I was told that they lifted the suspension but they never did so now they are keeping my money on that account and refusing to give it back after I was told several times that my account was was not suspended but it never was lifted after they told me that they lifted the suspension several times. They are illegally holding my money and not returning it
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to reinvestigate CFPB complaint XXXX dated XX/XX/2020 when I have provided factual based information showing that my XXXXXXXX XXXX  account is not reporting the same and not reporting accurately across all three bureaus as it should. I provided evidence in CFPB complaint XXXX with a word document that stated this. In the CFPB complaint XXXX Experian claims that they would consider my evidence but stated under their reponse that they can not reinvestigate because they are not sure that I submitted my CFPB complaint because I had no identification which is a stall tactic. I am the person submitting each CFPB complaint from the portal and have identified who I am each time submitting a complaint. ( I have enclosed personal identification with in this CFPB complaint to identify myself. There is no reason for an investigation to not be conducted. )
Product: Mortgage

I have gotten a divorce and faced financial hardships this year and have not been able to make payments. With that I may be at risk at loosing my home and have nowhere for me or my kids to go
Product: Debt collection

I've reported them to CFPB several times calls may stop but they return. the last one I reported to CFPB they claim they never called which is false. after the report the calls did stop then return again. 
calling my relatives and other family is over the top. once filed a complaint I thought it was illegal to stop calls once I've filed a complaint for harassing all my family with a XXXX phone calls a day?
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of an auto loan account with Santander XXXX XXXX. The account reflects several inconsistencies and inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ). Here are the details : XXXX. XXXX XXXX : The account was marked as a charge-off ( CO ) in XX/XX/XXXX. However, CO continues to appear inconsistently in subsequent months ( e.g., XXXX, XXXX, and XX/XX/XXXX ). If the account was charged off in XXXX, this status should not continue to change afterward. 
XXXX. Incomplete Payment History : Many months are listed as ND ( XXXX XXXX ), including key months leading up to the charge-off. This lack of information makes it difficult to verify the accuracy and completeness of the reported account history. 
XXXX. Late Payments After Charge-Off : Despite being marked as charged off, late payments are still reported in the payment history after XX/XX/XXXX. Specifically, late payments such as 30 days late appear in XX/XX/XXXX, XX/XX/XXXX, and other months. Late payments should not be reported after a charge-off event. 
XXXX. XXXX of Events : XX/XX/XXXX : Account opened. 
XX/XX/XXXX : Account marked as charged off. 
XX/XX/XXXX : Final payment was reported. 
Various months between XXXX are listed as ND or show discrepancies in payment history. 

I have taken steps to address this issue and now request that Santander XXXX XXXX verify the accuracy and completeness of this account information. If they can not provide evidence to substantiate the reported data, I request the removal of this account from my credit reports.
Product: Checking or savings account

During the merger of Suntrust and BB & T errors occurred that did not allow the processing of autopay. There were periods when there was no access to the account at all and it took many months to resolve the glitches. These glitches resulted in payments being posted for my creditors late on two separate and consecutive occassions. 

I would like an acknowledgement of the issues that occurred so that I can have documentation to submit with my dispute. These late payments have caused several credit issues upon applying for business loans and I do not have a way of proving the problems that occurred. The did a great job at damage control but keping a lid on the problems made it difficult to address the issues i encountered and dispute the payment issues with the credit bureau.
Product: Money transfer, virtual currency, or money service

I have a Cash App account that I don't really use that frequently but I have a Cash a=App debit card that I use if needed. I linked that Cash App debit card to my XXXX and I linked my XXXX XXXX XXXX XXXX to use with both of these services I started getting unauthorized transactions on my XXXX XXXX Credit Card. When I contacted the fraud department they advised me to look over my Cash App and my XXXX Accounts and sure enough I had been being fraudulently charged for months. I have filed police reports and also started a credit monitoring service but I'm terrified this isn't going to stop all of my cards have been replaced and here I am XXXX months later and Im still being fraudulently charged for things I did not authorize.
Product: Debt collection

My letter to the company. They are trying to get money from me which I dont owe and steal my Identity. It makes me nervous because its on the collection now.     Request Type  I h ave a dispute CONVERGENT  USA  - DEBT COLLECTOR Consumer ID  XXXX  Request Date   XXXX    XXXX  Details Hi, I received a collection notice from this company in the mail for the amount of {$25.00} for  XXXX  company.  First  of all I DO NOT have any   XXXX   account. I do n't even-know how   XXXX   XXXX   works. Second, this is only {$25.00}  I  dont have any reason why I will not pay this small amount. I would like to know what is this transaction, and please also advise where did I purchase this transaction?? I would like to file a police report on this if this is proven not my purchase. I am worried now that my Identity is know stolen. Please advise asap so that I investigate what happened in this amount. Thanks, Account Number  XXXX
Product: Credit reporting

I filed a dispute and requested a removal from TransUnion for tax lien on my credit report in that not only was it reported incorrectly due to a refund for those years of income tax returns, but I also have an old bankruptcy that would 've removed any balances if there were any. TransUnion in turn reported that the public records were released due to bankruptcy and this incorrect as well. When I contacted TransUnion again, they informed me that not only will this remain on my credit report for seven years even if it is a mistake, but in order to get this removed, I would have to contact the XXXX Country record of deed to request them to remove the information. I informed the representative that I have proof directly from the State of Michigan which is who reported to XXXX County to report to you ( TransUnion ) that this bill is incorrect and should be removed. TransUnion representative would not provide me with the information that states how they investigated this information to be accurate to continue to report on my credit report.
Product: Checking or savings account

On XX/XX/2022, i used Capital One ATM to deposit {$790.00} into my checking account via my debit card. ATM is an official Capital one atm that is attached to their branch in XXXX, MD. Upon deposit, the atm malfunctioned and turned off. It then reset itself after XXXX seconds. My deposit and transaction was cancelled and my funds were not returned. I entered the branch and notified the branch manager. She provided document for me to call Capital One Claims line. I filed the claim and received the claim number. I was advised that my issue with be resolved in 3-5 days. 

After 5 days, I called Capital One claim line for an update. I was told that I would not be provided a provisional credit until after 10 days as that is required by law. I advised that I am in needs of the funds to pay my bills and do not have luxury to wait for more days. I received rude customer service and customer service representative hung up.
Product: Mortgage

Quicken Loans would not provide a rate or fee information via phone on XX/XX/20, instead requiring an application. After an application was submitted on XX/XX/20, the rate shown was higher than my current mortgage with XXXX. I asked online about the rate and fees, yet the online experience said working to close on my loan on these worse terms. Further, I received an email on XX/XX/20 to formally confirm my intent to proceed on these poor terms. 

On XX/XX/20, after repeated requests for the rate and fees, I received an email from XXXX XXXX that the rate is 2.75 % for the 10 and 15 year fixed. However, I later received an email from his manager XXXX XXXX that the rate was 2.99 % with {$3100.00} in fees. When asked about the 2.75 % rate, he responded that rate wouldve required points of another $ XXXX in fees. 

This lack of transparency and communication on basic information risks leading consumers to make incorrect or suboptimal decisions. 

Lastly, on XX/XX/20, I received a text message Hello my name is XXXX from Rocket Mortgage. I realized that none of our discounts and promotions were showing on your application. We have a better pricing. Please let me know when we can talk to go over goals. When prodded further, he responded I understand that you were speaking with my director XXXX. I apologize I sent this text to you by mistake. did you want me to have my director reach out to you? This is terrible customer service. 

Quicken needs to be transparent on the fees and rate associated with its loans with better documentation in writing. There are other lenders with transparency and disclosure. Market less, be transparent more.