23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Again XXXX XXXX my complaints are similar for the past years because OCWEN refuses to STEP down and do their part to address the situation. HENCE THE CURRENT LAW SUIT AGAINST OCWEN. Your company continues to enjoy skirting around my issues and responds with the same garbage change changing the date of the letters. Also XXXX XXXX the property and mortgage which I inherited at the time of my Mother 's passing was passed over to me. If you can read the items in the lawsuit, one of them is concerning assisting these homeowners, WHICH OCWEN HAS NOT. THE PURPOSE OF A LOAN MODIFICATION IS TO GET THE HOME CAUGHT UP. You provided me a loan modifications last XX/XX/XXXX which was NOT SIGNED because OCWEN PROCESSES MODIFICATION BASED ON ONLY IMCOME NOT INCOME AND EXPENSES. THIS IS AGAINST THE LAW. Again XXXX XXXX this is going to continue back and forth and I do n't see a resolution in sight because OCWEN just collects money and does not care about the welfare of the home owner. YOU ASKED ME TO REVIEW THE WEBSITE ABOUT THE CURRENT STATUS OF THE LAWSUIT. ALL I SEE IS GARBABGE ABOUT HOW OCWEN CARES ABOUT THEIR HOME OWNERS AND YOU HAVE HELPD LIKE XXXX. THAT 'S SOME PR XXXX IF YOU ASK ME. IF OCWEN CARED ABOUT IT 'S HOME OWNERS AND RESOLVING ISSUE THEIR WOULD N'T BE A LAWSUIT AGAINST YOU FROM THE CFPB. WOULD THERE BE?? THIS COMPLAINT IS ALSO GOING TO YOUR MEDIA RELATIONS DEPARTMENT. SICK SICK SICK OF OCWEN XXXX XXXX. OCWEN NEEDS TO BE SHUT DOWN WITH THE CURRENT LAWSUIT. THAT IS THE ONLY RESOLUTION
Product: Credit reporting, credit repair services, or other personal consumer reports

This company refuses to remove fraudulent information on my credit report I submitted my identity reports XXXX  XXXX XXXX removed the fraudulent charges except for Experian seems to have a problem with removing the information off my credit report I will also send over proof that the other two Credit bureaus remove those fraudulent accounts except for Experian.z
Product: Credit reporting, credit repair services, or other personal consumer reports

I file documentation last XXXX2021 for those inaccurate and unknown accounts I found on my credit report that must be removed. Or I will file a litigation.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Was called by American Elite, a XXXX XXXX, he said they have attempted top serve me papers for the district Atty. Non of this took place. Said they will be tracking my phone to send a uniformed officer to my location. I said I was going to record the call and he hung up. 

This is the second time I felt with this company same tactics.
Product: Debt collection

XXXX Notice for validation. This debt was put on my credit report without notice and I want to validate the debt with a itemized bill to confirm amouts owed.
Product: Credit reporting or other personal consumer reports

I have disputed numerous times with chexsystems that the inquires listed are fraudulent and I didnt authorize them. They keep saying some are accurate but yet when I ask for documentation they just say my dispute is frivolous. There are 7 inquires from XXXXXXXX XXXX XXXXXXXX XXXX. I only had ONE account with them years ago. It only takes one inquiry to open an account not 7! The other ones need to be removed. Also there are several others listed but the names and address listed under the inquires are not mine nor have I lived at the addresses provided! I feel like they are not taking this serious and discriminating against me.
Product: Mortgage

On XX/XX/2020, I requested that Reali Loans Inc. sent me a payoff statement good through XX/XX/2020. I have not been able to reach anyone at Reali who will do this. 

I have made two calls to the number listed on the First Payment Letter, XXXX, but no one could provide me with a payoff statement or the loan servicing department. I also emailed XXXX XXXX ( Vice President of Operations ), XXXX XXXX XXXX closing, post closing, or MERS  ), and XXXX XXXX. I also mailed the request. 

I checked MERS, and Reali is the servicer for my mortgage.
Product: Bank account or service

I was n't paying attend to the check book I wrote on XXXX I had it was a old account i went to the deposit machine in put the wrong check in by mistake cause the check book was in the same place as the new ones.This is a very problem to my business i need this handle in a timely matter. 
It was a mistake I can prove it, 'I will like to handle this without a lawyer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX, Bankruptcy ( s ) # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX XXXX ( ALL ), XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX # XXXX, Judgments ( ALL ), XXXX # : XXXX, XXXX XXXX XXXX # : XXXX. Remove all address other than my current address of XXXX XXXX XXXX XXXX, Il XXXX ; Remove all non-account holding inquiries over 5 days old,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, on XX/XX/2019 i sent a letter to Experian asked them to send me copies of any contract or documents they have on their files with my signature on it as my right per the FCRA. I do not recognize any of those accounts, contrary to my request they open a dispute process. I asked them to delete any unverified items on my file and they have refused. The letter was received via certified return service receipt on XX/XX/2019. They responded to me saying that all of those accounts are verified as accurate. I sent another letter to them on XX/XX/2019 telling them for the second time to them to please send me proof of the investigation they did where they proof those items belong to me as my right per the FCRA section 611. That is the second letter i sent them begging them to send the information that they used to " verify '' those items on my credit file. Also they told me to contact the original creditors which i also did on XX/XX/2019 and none have responded to my letters asking them for any document where i signed any piece of paper or contract with any of those companies. please tell them to send me the proof that they investigated those items and HOW they investigated or delete those unverified items from my credit file which are hurting my ability to obtain credit or delete those unverified items.Attached are copies of the first and second letter i have sent them
Product: Debt collection

Portfolio Recovery is stating that I owe {$2000.00} for services with XXXX XXXX from 2013. Thy  are not able to provide any documentation bearing my signature, where the balance is coming from and what exactly it is for. I have sent several certified letters demanding that they provide me with all of the documentation to support this, which they have failed to do so. The only letter I have received was a letter stating the balance was " verified ''. This is a COMPLETE violation of Defamation, Negligent Enablement of Identity Fraud, Violation of the Fait Credit Collection Act and Violation of the Fair Credit Reporting Act. This is severally hurting my credit score and I have spent hours of my time and money trying to get this resolved. I demand that this be completely deleted from my credit report with ALL 3 bureaus. My next step will be small claims court, which I have already filled out paperwork & obtained an attorney. I expect this to be taken care of within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a request to Experian, XXXX and XXXX to remove the fraud alert on my account. The letters were received on XX/XX/2020 ( see attached receipts ) As of today I still see the alert on my report on all 3 bureaus.
Product: Credit reporting or other personal consumer reports

hi i went over my credit report and i found out i have inquiries and collections accounts i called the reporting agencies and let them know the inquiries and negative items/collections/charge off in the document included below are not supposed to be visible on my consumer report. I NEVER gave them written consent to report them Pursuing 18 U.S. Code 1028A - Aggravated identity theft U.S. Code ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Product: Mortgage

RE : 21st Mortgage Co..denying forbearance request!! 

I have been requesting a 90 day forbearance/extension based on the CARES ACT and 21st mortgage has consistently denied it. 
I started started the request in XXXX when I used my last of savings and they told me i had to be behind in my payments in order to obtain the forbearance. So in XXXX, now that my payment is late they are still saying they aren't giving relief and arent apart of the CARES ACT and I need to bring the mortgage current or they will foreclose if it gets behind by a total of three months. XXXX!!! 
I filled out loss mitigation paperwork, as requested, but still they deny. Other friends simply called their mortgage companies and got immediate approval for 90 day forbearance and was offered an additional extension. 
What do i do?????
Product: Debt collection

I am writing to formally express my concern regarding the continued harassment I have experienced through repeated phone calls and emails demanding payment from Avant, despite my explicit request to cease such communication. This persistent contact, particularly after lasked not to be called or emailed, has caused significant distress and frustration. 
Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692d and 15 U.S.C. 1692f, it is unlawful for debt collectors to engage in harassment or use unfair means to collect a debt. Additionally, 15 U.S.C. 1692c ( c ) clearly states that if a consumer requests in writing that communication cease, the collector must comply. By disregarding my request, your actions have violated my rights under this federal law.I ask that you immediately cease all communication regarding this matter, and I expect confirmation that no further harassment will occur. Additionally, I would appreciate it if this matter could be addressed fairly and without further violation of my consumer rights. 
Thank you for your prompt attention to this issue.
Product: Student loan

I am currently enrolled in my last course at XXXX XXXX XXXX XXXX Since XXXX of this year I have been inundated with emails and calls from Aidvantage telling me that I have missed payments. 

It is my understanding that my student loans do not come due until AFTER I have graduated.
Product: Credit card

XXXX  XXXX ID THEFT AND PROMOTION BAIT AND SWITCH : I helped my father apply for the Delta Skymiles card from American Express. The promotional offer was for XXXX miles with XXXX ( if my father spent {$2000.00} after XXXX months ). I remember us clearly selecting this offer because I had passed on the option of referring my father through another offer in which he would have received XXXX miles and I would have received XXXX miles for referring him. However, we selected the XXXX mile offer from the landing page of the landing page of website ( https : //creditcard.delta.com ), which is still available as I am writing ( XX/XX/year> ). The card my father applied for clearly would award XXXX miles if the spending obligations were met. In other words, we clearly remember evaluating and passing on an inferior offer of XXXX miles for my father plus XXXX for me, selecting instead an offer that would provide XXXX miles to my father, so that he could get the miles he would receive through the better offer. We went through great pains to make sure that we applied through the better offer. 

My father received a credit card several days after replying, however it was in my name. The contract was in his name, however, the name on the card was mine. They said that they must have made this mistake because we lived at the same address and I already had a credit card, however, this made no sense at all, because he entered his name, Social Security Card information and personal data. This concern about identity theft -- why did the credit card company issue a card in the name of a person who didn't apply using data that was not entered into the account -- however, when my father called customer service, they told him that he would only get XXXX miles as part of his offer. 

There was no XXXX mile offer when my father applied for the card. There was XXXX if I referred him and XXXX if he applied independently. I was with him when he applied independently using the proper links and choosing the correct promotion, but customer service from Amex XXXX insisted that they would have to open an investigation with marketing to determine how the application was opened and via which link, even though there was no link with XXXX miles as an option and despite the fact that we both recall clearly using the link with XXXX miles as an option to apply. We only became aware of the bait and switch tactic when we called to express our concerns about ID theft ( the issue of the credit card in the name of someone who did not apply ). 
This appears to be a systematic scheme to prey on older people as my father is XXXX XXXX XXXX. It is preposterous that Amex XXXX would not know and need to investigate this
Product: Credit card or prepaid card

Dishonest Bank very slow overcharges customers with fees just typical with all the banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts listed reported to Federal Trade Commission XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX : I am contacting you regarding a 30-day derogatory mark from XX/XX/2020 that appears on my three credit bureaus. 
I dispute these 30 day lates and demand a full removal of the 30-day late marks based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, Equifax, XXXX, and XXXX XXXX so that this matter be resolved amicably and without any court intervention. I thank you for your anticipated cooperation. 
Prior to the missed payments I attempted to contact XXXX XXXX  regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. 
Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. More specifically, Section 4021 ( F  ) titled Reporting Information During COVID-19 Pandemic ( the Act ) states : if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ... 
It is important to note that accommodation is defined broadly in the Act and encompasses any consumer who is affected by the coronavirus pandemic during the covered period. 
..if the credit obligation or account was delinquent before the accommodation ..if the consumer brings the credit obligation or account current during the period described in ( aa ), report the credit obligation or account as current. 
The term covered period means the period beginning on XX/XX/2020 and ending.. 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 )  outbreak
Product: Credit reporting or other personal consumer reports

Total XXXX  Account # XXXX DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES XXXX XXXX # XXXX BEING REPORTED TWICE BY XXXX DIFFRENT COMPANIES XXXX XXXX  ACCT # XXXX DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES XXXX XXXX XXXX IS NOT A CHARGED OFF ACCOUNT DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES TOTAL XXXX  - BEING REPORTED XXXX  AND DATES ARE INCORRECT ON ALL CREDIT REPORTS XXXX XXXX XXXX DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES XXXX XXXX  - IS NOT A CHARGED OFF ACCOUNT - NO BALANCE WAS DUE ON THIS ACCOUNT THIS WAS A PAY AS YOU GO ACCOUNT XXXX XXXX XXXX - WAS XXXX OFF IN THE BANKRUPTCY CASE -DAYES ARE INCORRECT ON ALL CREDIT REPORTS XXXX XXXX XXXX DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES XXXX XXXX XXXXXXXX DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES
Product: Debt collection

Previous compliant was addressed by company who said they would remove my account from the day sent to collections. It is still on report with orginal amount. It shows currently I owe XXXX but remains on my report with orginal collection amount. The date they refer just showed it sent to collections. Which is not what they said they would do. If the entire account was sent to collection the company stated that violated their own policy and would be removed. The XXXX balance next to the orginal amount and that it was sent to collection remains on my report. Last complaint was closed because they said they would remove it completely. This was months ago already. This had been a costly frustrating ordeal that has really XXXX  me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tide water credit. XXXX XXXX XXXX in recovery department knows of her employee taking a payment on my account and refusing to reimburse me for NSF and adjust the account since it was their error. XXXX XXXX all she does is shout and tells me basically I 'm a liar without any resolution. The account was forward to attorney office which I explain to attorney and requested for me to put in writing. I requested as part of the account being resolve to have them delete this account they agreed. today the account is showing past due with a balance, charged off and late late payments. I tried to resolve this account today with XXXX XXXX again got her rude team members XXXX and XXXX believe name refuse at first to transfer me to a supervisor and I was told to calm my attitude down. XXXX XXXX came to the phone and I advise her after basically she called me a liar that I was going to file a lawsuit she stated good all are calls are recorded. I asked for the reps name who took the payment from me 2 years ago what her name was she refused to give it to Me, all she kept saying was thats not how it went.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$740.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1600.00} CHAPTER BANKRUPTCYXXXX {$0.00}
Product: Debt collection

Wells Fargo is illegally attempting to bill me for the amount of {$480.00} plus {$15.00} late fee charge for a charge/balance that I do not owe. I closed my credit card account on XXXX XXXX, 2016 with a zero dollar balance and did not make any purchases or charges prior to my final statement closing. The charge is erroneous and fraudulent. My balance needs to be zeroed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in Experian appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.