23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I had been behind with afterpay services and lost track of time due to a financial hardship. They also had an option on their site to apply with a hardship to explain my situation. Even after I did that I went online to another site to use after pay and they said I couldn't continue a payment with a new company until I paid my left off amount that had been due from 2023. I completely paid it off and it had popped up saying that I couldn't use their services due to making a decision to completely close my account. I had wrote them immediately after trying to purchase something with it telling me one thing, then telling me something completely different after paying my complete debt off. 

I have wrote them and they are refusing to cooperate with me.
Product: Mortgage

Ocwen holds the primary loan on my investment property. There is an impound account for taxes and insurance. Ocwen pays the insurance late every year. Every year, I get a letter from the insurance company threatening to cancel my insurance. This year, my insurance got cancelled, exposing me to potential liabilities of XXXX of dollars. Ocwen also sent me a letter saying they were going to buy insurance on my behalf and charge me for it. They did not tell me how much they were going to charge me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a claims to Equifax in regards to the breach of my privacy and consent. Im currently waiting a response from Equifax.
Product: Money transfer, virtual currency, or money service

I sent Coinbase a wiretransfer of {$2000.00} and on XX/XX/17, I received an email from them saying : " We appreciate your interest in Coinbase! You recently sent a wire to your account for {$2000.00} XXXX, unfortunately we were not able to process this wire due to a name mismatch and your money has been sent back to your bank. ". They claim on their website that it would take up to 10 business days for the wire reverse to complete but it has been over 20 days and I have yet to receive my money back. I opened a support ticket with Coinbase ( case # XXXX ) but have not yet received any resolution from their customer service team.
Product: Debt collection

This is so annoying & frustrating. Ive sent the bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the bureaus responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX XXXX Opened Date : XX/XX/XXXX Balance : {$13000.00} and XXXX XXXX  XXXX  XXXX Opened Date : XX/XX/XXXX Balance : {$100000.00}.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an inaccurate credit report data but I still have ITEMS left that needed to be removed. This is my new attempt to notify you that I am a victim of incorrect credit reporting and I write to dispute these items in my file resulting from it. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from a mistaken credit reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00} ======XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ======XXXX : XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00}. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Mortgage

Our home was significantly damaged in Hurricane Ian on XX/XX/XXXX. Our homeowners insurance released the last portion of our payout, totalling around {$44000.00}, to our mortgage company, Carrington Mortgage, who then turned it over to Carrington XXXX pending inspection for release of funds. On XX/XX/XXXX we had our inspection, on XX/XX/XXXX we were notified that our repairs were at 91 %, and that the remaining funds ( approx. {$44000.00} ) would be released to us. On XX/XX/XXXX, the check was denied, and they are now demanding another inspection based on the same appraisal they already had inspected. We have used everything from the insurance money, personal savings, and also funds from our business to complete repairs. We do not have the funds to complete anything else without this payment. 

After speaking with multiple supervisors, we just keep getting the run around and are repeatedly told that we need another inspection despite our payout already having been approved. This is beyond the realm of ridiculousness. They did not help or cover any of these repairs and are not entitled to a single cent of this money. It is needed to complete our repairs before we get another storm.
Product: Credit reporting or other personal consumer reports

( MY PHOTO ID SHOWS AN OLD ADDRESS OF XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX. THIS IS NOT MY ADDRESS. ) ( I WILL UPDATE MY PHOTO ID TO MY CUURENT ADDRESS WHEN I GET A CHANCE TO RENEW IT ). ( THIS IS MY CURRENT AND ONLY ADDRESS I HAVE. XXXX XXXX XXXX  XXXX, VA XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- YOUR COMPANY IS REPORTING ACCOUNTS THAT ARE UNVERIFIED AND INACCURATE ON MY CONSUMER REPORT. UNDER THE FCRA, ANY ACCOUNT THAT IS REPORTING INACCURATE INFORMATION MUST BE DELETED IMMEDIATELY UNDER THE LAWS OF THE FCRA. THESE ACCOUNTS ARE REPORTING DIFFERENT STATUS DATE/DATE OF LAST ACTIVITY BETWEEN THE CRA 's for each account. " THIS IS A VIOLATION OF THE FCRA AND THEY MUST BE DELETED ''. DELETE THESE ACCOUNTS ( XXXX  ) ( XXXX  ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX  XXXX  ) ( XXXX  ) ( XXXX ) ( XXXX  XXXX  ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TO YOUR COMPANY. THESE ACCOUNTS ARE SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY OF THESE ACCOUNTS. THESE ACCOUNTS ARE INACCURATE IN REPORTING A LATE PAYMENT. I HAVE NOT BEEN LATE ON ANY PAYMENTS BECAUSE THE LATE PAYMENS THAT ARE REPORTING ARE INACCURATE, UNVERIFIED, AND MUST BE UPDATED TO PAID ON TIME/NEVER LATE BY FCRA LAW. UPDATE EACH DATE IN THE ENTIRE PAYMENT HISTORY FOR EACH OF THESE ACCOUNTS TO PAID ON TIME/NEVER LATE : ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

ALLY auto My 2020 XXXX XXXX XXXX was involved in a total loss accident last week. My adjuster needs the payoff amount but Ally is refuse ng to send it. They say they need two weeks to get this completed. This is unacceptable as they should be able to give it to us either over the phone or fax or email. They are costing me money and will not provide a solution.
Product: Debt collection

I am writing to file a formal complaint regarding Midland Credit Management XXXX, which is acting as a collection company on behalf of XXXX XXXX Bank XXXX. This account is currently being reported on my credit report as a collection item, showing XXXX XXXX Bank N.A. as the original creditor. 

I would like to note that I have never received any form of communicationwritten notice, phone call, or emailfrom Midland Credit Management XXXX regarding this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). I did not receive any notice of the debt or any opportunity to dispute or validate the claim before it appeared on my credit report. 

I request that this matter be investigated promptly and that Midland Credit Management XXXX be required to provide proper documentation and notice regarding this debt. I also ask for the immediate removal of this collection account from my credit report until proper notification and validation of the debt have been provided. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )
Product: Mortgage

This is a sad day in the world of finance when you realize that misleading, false, and deceptive, practices are being used by someone that you trusted to operate ethically. This used to be the exception which has now become the rule of standard operating procedures. 

Nationstar dba Mr. Cooper has been the servicer of my Loan since XXXX and for over XXXX  years. Due to numerous and continuing issues surrounding my Mortgage Loan, I reached out to Mr. Cooper to sort things out which led to a request for validation of my Loan because all data provided/reviewed thus far, the Promissory Note and Deed of Trust is still linked to XXXX XXXX ; although advised by Mr. Cooper that they own the PromissoryNote and Mortgage Loan. WHY? 

In addition, all the documents provided by Mr. Cooper ... the Promissory Note and Deed of Trust has XXXX name on them. The dates on the documents provided by Mr. Cooper date back to XXXX through XXXX. 

Mr. Cooper has not provided One single piece of evidence/documentation that I requested that will validate the Loan ( a ) The source from which/where the financing/funding was obtained ( checks/Financial Records to support or solidify the source of the loan ). The documents only refer to a Security Instrument and no name of a Lender orSource. ( b ) Mr. Cooper has not provided the Promissory Note with the Wet Ink Signature ; I don't believe they have one.

What is concerning and equally disturbing is the fact that the Deeds of Trusts forwarded to me in correspondence from Mr. Cooper XX/XX/XXXX. XXXX and XX/XX/XXXX contain Deeds of Trust that have been Altered/ manipulated via handwriting crossing out Unisource and adding XXXX XXXX XXXX XXXX XXXX XXXX as Trustee. In addition, XXXX was hand written at the top of the Deeds. Mr. Cooper forwarded a Certified copy of the Deed of Trust that has not been manipulated which I am sure has to be against the law. ( See the attached ) To add Insult to Injury, I received correspondence from Mr. Cooper dated XX/XX/XXXX advising that my Mortgage Loan has been sold to FannieMae. I reached out to XXXX by phone and it was confirmed that the loan was sold XX/XX/XXXX. The timing of the sale is indeed questionable ; my loan was sold 5 days after I filed a UCC1 Financial Statement in an effort to get answers/information that Mr. Cooper would not provide. Mr. Copper was buying time advising all along that they will provide the documentation that I requested. Mind you, my initial request for validated started XX/XX/XXXX. 

Mr. Cooper was determined not to provide validation.
Product: Mortgage

I have told this company more than 10 times to stop sending junk mail and loan offers. I marked refused. I have called American Financial Network and told them and I have registered with the postal service as well. This is wasting trees and I do not want or need anything from them.

I want this these letters and offers to stop.
Product: Vehicle loan or lease

salesman didn't explain the full contract. paid on car for years. car was took back and sold. wellsfargo informed me that they would sell the car and reimburse me. instead they charged car off impacting my credit. unable to obtain credit demo to the fact Wells Fargo indicated failure to pay. also never received 1099c
Product: Credit reporting or other personal consumer reports

I discovered again 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 the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected or removed : XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX
Product: Consumer Loan

I 'm paying on an auto loan that 's XXXX and the car is worth about XXXX and I been paying for about 2 years and the loan amount have n't dropped. Seem like it 's getting higher. The company employees is very rude, yes I 'm talking about Santander.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing an escalation complaint against Citibank ( CBNA ) due to their failure to properly investigate my dispute regarding inaccurate charge-off reporting on my credit report. 

Details of the Complaint : Account Number : Ending in XXXX Charge-Off Reported : XX/XX/XXXX Inaccuracy : My credit report shows repeated charge-offs ( CO ) for multiple months in XXXX and XXXX, which violates the Fair Credit Reporting Act ( FCRA ). 
A charge-off can only be reported once, and it is inaccurate to list it multiple times as a recurring event. 
The payment history also shows late payments after the charge-off date, which is factually incorrect since an account can not accrue new late payments after being charged off. 

Companys Response to My Initial Complaint : Citibank responded on XX/XX/XXXX, claiming that their reporting is accurate. 
However, they failed to address the FCRA violation regarding the repeated charge-off entries. 
They provided account statements but did not explain why they are reporting multiple charge-offs over several months. 

Requested Resolution : 1. Require Citibank to provide a full justification for reporting multiple charge-offs or demand that they correct this inaccurate reporting immediately.

2. If Citibank can not justify this reporting practice, CFPB should order the removal of the duplicate charge-off entries.

3. Ensure Citibank complies with FCRA regulations, which prohibit duplicate negative reporting.

Attachments : Copy of my credit report, highlighting the duplicate charge-off entries.

Previous correspondence with Citibank, where they failed to address the reporting error.

Proof of identity I request that the CFPB investigate Citibanks failure to verify their reporting and take appropriate action to correct the inaccuracy. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My ex-husband, XXXX submitted a fraudulent loan modification with OCWEN Loan Servicing , LLC . on the property that I am co-borrower. The XXXX signatures on the paperwork are forged, I never signed or agreed to a modification. ( I was actually out of the State on the date that the papers were signed ). Per our divorce decree he is required to refinance the property to remove me ( not remodify ). XXXX knowingly submitted the modification with intent to defraud OCWEN ; however, OCWEN is allowing him to do so because they benefit from the fraudulent modification. The property went into default and OCWEN offered my ex husband a modification. There was never any type of hardship, and he should not have been offered a modification ; his income was {$150000.00} in XX/XX/XXXX and his overtime alone was {$35000.00} enough to have covered the {$26000.00} of late payments. OCWEN is allowing fraudulent servicing practices. I have tried several attempts to contact OCWEN to discuss this but each time I called they said that they were protecting their customer and could not discuss the loan with me ( my ex husband was allowed to remove my name as an authorized contact on a loan that I am co-borrower on ). I received a letter today ( XX/XX/XXXX ) stating that after their review they are doing nothing, stating the signatures are " consistent '' against other signatures. THE SIGNATURES ARE FORGED, OCWEN is doing nothing! I filed a police report in XX/XX/XXXX with the XXXX Department ( XXXX ) and it is currently with the District Attorney 's Office.
Product: Debt collection

In XX/XX/XXXX, a judgement was made against me for 2 months of back rent. I was unable to pay for many years. In XX/XX/XXXX, a creditor began reaching out to collect on the judgement. In XX/XX/XXXX, the judgement automatically expired, according to California law. The judgement was not renewed by the creditor prior to expiration. On XX/XX/XXXX I let the creditor know that the matter had expired and asked them to cease and desist collection efforts. On XX/XX/XXXX, they contacted 16 people I know asking for financial records, as well as my current landlord asking for financial information about me.
Product: Debt collection

Approximately three months ago, I noticed Plusfour Collections on my credit report. XXXX XXXX was the original creditor. 

I called Plus Four to dispute the debt. I have XXXX XXXXXX/XX/XXXXXXXX XXXX. My insurance company will pay the bill. 

I called XXXX XXXX. They told me they were using a different third party billing company. After escalating my complaint, I learned this was for an XXXX on my XXXX on XX/XX/20. 

I called XXXX XXXXXX/XX/XXXX and asked why they did not pay the bill? XXXX XXXX never submitted a claim to them or a bill to me! How then can they send me to collections. 

I filed a grievance with XXXX XXXXXX/XX/XXXX, and learned there are many people like me. 

My dispute with the credit bureau was " verified '', and remains on my credit report. 

I called Plus Four and was told if XXXX XXXX sends them a letter stating my account was referred in the error, they will remove it. XXXX XXXX has not addressed my issue. Meanwhile, my insurance premiums increased, and I am being denied credit for a recent collection! 

I also filed a complaint withXX/XX/XXXXXXXX XXXX. They are trying to advocate for me, but advised they are not a regulatory entity, and can't make them do anything. 

Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my information with Experian, XXXX, and XXXX on XX/XX/2020 and the problem hasnt been corrected. Its been over 30 days
Product: Credit reporting or other personal consumer reports

I submitted my 1st complaint with CFPB on XX/XX/year> regarding information being reported inaccurately as well as fraudulent accounts. There were additional fraudulent accounts reported such as XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, and still reporting that wasn't fixed initially XXXX XXXX Account # XXXX 've reached out numerous amounts of times regarding these fraudulent accounts and sent in dispute letters along with my supporting identification documents. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that those accounts belong to me, and all information is incorrect. These accounts as well as numerous Hard and Soft inquiries are affecting my hard work of still trying to purchase a home for me and my children.
Product: Credit reporting or other personal consumer reports

Experian 's reporting account # XXXX inaccurate and incomplete, and it is a direct violation of the FCRA and my consumer rights to accurate and fair reporting of information on my consumer report, as well as my right to privacy under the law. Please delete this account that is inaccurate from my consumer report immediately, as XXXX and XXXX have reported the same inaccurate information as your company and deleted this account from my consumer report for not being in compliance under the law and faced a law suit. I expect the same results as a US citizen under the consumer law put forth by Congress. Experian needs to comply or face penalties under Metro 2 and complete a reinvestigation of the accuracy and completeness of this account. As you can see in my uploaded document, the payment status shows Charge Off, which is incorrect under the definition when property is seized and repossessed. Correct monthly payments must be shown in the report, or it is considered incomplete. all dates must be accurate and all payments must be accurate under the law. The furnisher of this account must have all documents : payments, date of seizure, date of sale, receipts of sale of property, etc., or this account must be deleted.