23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

my loan is serviced by Ocwen. I have made over XXXX online payments that have been rejected as Ocwen tells me it is a bad routing number and paid late fees to them.The routing number I submit is XXXX which is the correct routing number for my state California. Ocwen submits this number and tells me it was rejected and previously I used the routing number XXXX which is a number I have never used and never submitted. As a result Ocwen will not take any uncertified payment from me for six months. Their website software must be rigged to collect fees. I am an accountant and rarely make mistakes. Ocwen is corrupt. Ocwen will cash a personal check with this routing number with no problem, but states it is not good for online payments and they blame the bank. They refuse to refund my money on my " late fees '' that were not late. The website software must be corrupt as they process epayments with routing numbers I never supplied.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My mortgage is serviced by PHH Mortgage. The home in this case is a condominium which has an HOA. The HOA provides insurance for the building, including flood insurance which covers the inner dwellings of the units. The complex is located in a flood zone. PHH mortgage has ordered flood insurance and has added the premium to my monthly escrow, resulting in a 33 % increase in my payment. Considering that the HOA 's insurance policy already covers this, an additional insurance is not required. I have called PHH Mortgage countless times now and discussed this matter with the insurance department. Each time, I am told that the policy that they ordered is a duplicate and not needed ( I have provided PHH with the HOA 's policy!! ) and after an escrow analysis the additional flood insurance would be removed and my previous payment would be reinstated. Yet, they have not made an adjustment and are charging me an over-inflated rate. Not only is this poor customer management, this should not be legal and if PHH Mortgage is treating me like this it should not be a surprise if many other home owner are in the same situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

PROBLEM WITH TRANSUNION NOT REMOVING INCORRECT PAYMENTS. XXXX XXXX XXXX VIA MY XXXX ACCT. I WAS ENROLLED WITH OUT MY KNOWAGE CREDIT ACCT, NEVER BILLED, WHEN I DICOVERED THIS I CONTACTED XXXX, THEY REMOVED THE REPORTING. THE OTHER TWO REPORTING AGENCIES REMOVED THE REPORTING, XXXX, XXXX. TRANS UNION REFUSES TO CORRECT THE UPDATED INFORMATION. I NEED IT REMOVED, THANK YOU
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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: Credit reporting

I received a new report on my credit that an open account has been reported to a collection agency. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was reporting inaccurately on Equifax. The balance was reflecting {$99.00} but should have been {$0.00} and instead of removing the account as requested per FCRA law, they updated the balance to {$0.00}. This account has been removed off of XXXX and XXXX and should have been removed off of Equifax as well.
Product: Checking or savings account

Receive notification that was account was locked today. Reached out and spoke to 5 different representative who is not able to give me information and said I should be able to transfer funds which I keep telling them Im not able to. They told me they will file a complaint and someone will be in touch in 2wks. I informed them this is my savings account and I need access for my bills. Still not able to transfer or get any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I have not heard back from Equifax in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Payday loan, title loan, personal loan, or advance loan

I am trying to get a line of credit to consolidate my debt but i recently got denied. Due to WELLSFARGO LLC Prospectus report, They may sell securities from time to time, and my application i filed was a security which was sold to a third party for money. So i would like my XXXX in credit line since i gave wellsfargo a security. 
We, Wells Fargo & Company, may from time to time offer and sell any of our securities listed above. Our wholly-owned finance subsidiary, Wells Fargo Finance LLC , also may from time to time offer and sell any of its securities listed above. We fully and unconditionally guarantee all payments of principal, interest and other amounts payable on any securities Wells Fargo Finance LLC issues. You should read this prospectus, the applicable prospectus supplement and any additional supplements to this prospectus carefully before you invest.
Product: Student loan

I attended XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. I began the course XXXX XXXX. I agreed to take this course because they offered a XXXX program option. This option gives you the opportunity to take the course up front with no cost and you pay the loan back as soon as you secure a job. The repayment amount is capped at a certain amount and you don't pay until you have the income to pay back the loan. This option was very beneficial to me because I didn't want to get any more student loan debt. 
During the course, I began to have housing issues which started to affect my attendance and school work. So after speaking with my counselors, I agreed to request a leave of absence. By accepting, I would be allowed to return to class within a year. I made this request in XXXX of XXXX. 
I reached out to XXXX ( enrollment counselor ) from XXXX through email in XXXX of XXXX ( within the time allotted ). Another representative from XXXX XXXX called and informed me that the XXXX program ( XXXX ) was cancelled and the only way that I can continue the program, I had to get a traditional loan, they wouldn't cover the complete cost just a portion. This was devastating because the XXXX option was the part of the motivation for me taking the program. Then to add insult to injury, XXXX failed to inform in advance of the cancellation prior to my attempt to re-enroll. So now I have to pay back this loan and I still haven't completed the course. When I expressed my frustration to XXXX XXXX, they just brushed me off and lied and said that someone would look into the matter, but no one ever reached out to me again. 
XXXX XXXX XXXX servicer was XXXX but it was later transferred to Stride. My current payment is due XX/XX/XXXX. I have attached the documents containing the proof of allegation made in this complaint.
Product: Mortgage

I reached out to Midland Mortgage in XXXX of XXXX after I was laid off from work XX/XX/XXXX. I was able to pay the modified payment of XXXX for XXXX but explained and asked if there was any assistance to help me. I was informed to submit an application, hardship documentation, and proof of income or lack thereof to verify my status. I began submitting information in XXXX and Midland Mortgage finally responded XX/XX/XXXX stating they need the hardship affidavit and proof of income. I submitted the information XX/XX/XXXX and received no further communication until today XX/XX/XXXX after receiving messages that I needed to contact them to avoid further collection activities. I spoke with XXXX agent XXXX, who proceeded to inform me that they had received my information but had closed my application. I asked why and she stated because they hadn't processed it and didn't know what I wanted done with it. I explained the situation and she said they could offer the Corona virus plan but that it would take my payment up to {$1500.00} based upon the interest rate. I asked what the current interest rate was, and she stated she didn't know and that I could XXXX it. She also stated that while they received my documentation I could either go the traditional route and qualify or take what she was offering and my payment would be {$1500.00} or higher, maybe lower but that if I took what she was offering, no further documents would be needed. They have had my information and knew I was struggling but wouldn't do anything with it. I thought the purpose behind a modification was to lower the payment so that people can keep their homes, not continuously raising the payment and even lowering the interest rate. How is it possible to lower my interest rate and my payment increase? This doesn't make sense.
Product: Credit reporting or other personal consumer reports

I would like these account remove from my credit report so my credit report can update accurately These is not my account. I have no knowledge of this account. 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made a {$32.00} purchase of food on XX/XX/2023. The restaurant served food that was visibly spoiled. I rejected the food. I requested a refund from the restaurant which was not responded to. I attempted to dispute the charge with Discover and was informed that a dispute could not be filed because the goods had been rendered.
Product: Money transfer, virtual currency, or money service

I am writing to formerly express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and they failed to investigate my claims adequately. They informed me that recovering loss funds was impossible, and that tracking these transactions was unfeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers, but also has allowed repeat offenders to explore the system they users vulnerable to scams
Product: Credit card or prepaid card

On XX/XX/2022, I opened a dispute with Capital One against XXXX XXXX XXXX and provided the requested information listed in the complaint form. 

On XX/XX/2022, I reached out for an update and was informed that the pending information that was still needed was proof of return. I explained that I contacted the merchant by phone and my request for return was not accepted, therefore, I had no proof of such. I was then instructed to indicate in writing, when and how, I contacted the merchant to request a return and on this same day I uploaded a signed statement of the request information. 

On XX/XX/2022, I contacted Capital One for an update and was informed that the case had been closed due to being filed outside of the allotted time frame. However, during the interim, I'd never received a notice that the merchant had responded to my complaint nor was there any documentation uploaded to the portal of such. I asked the rep to confirm if the merchant had ever been contacted and she continued to reiterate why the complaint why closed, which said to me that the merchant had, in fact, not been contacted. 

Capital One opened a complaint on my behalf and proceeded to request documentation from me, that I in turn submitted to them. Therefore, this case became an active and ongoing dispute. So despite the time frame, the company should now fulfill an obligation that they initiated, by following through with the entire process to completion, including, contacting the merchant. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Spoke with XXXX, the office of the CEO at XXXX XXXX XXXX XXXX. Car was involved in an automobile accident on XX/XX/XXXX. XXXX deemed the car as a total loss on XX/XX/XXXX. XXXX tried repeatedly to contact XXXX XXXX XXXX XXXX  the week of XX/XX/XXXX and XX/XX/XXXX but XXXX XXXX XXXX XXXX  refused to provide any information to XXXX for payoff due to their procedures. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX  with XXXX representative on the line to obtain payoff information. XXXX released payoff with account number and VIN number as instructed on XX/XX/XXXX. As of XX/XX/XXXX payment XXXX XXXX XXXX XXXX  has not received payment and are threatening to report my account to the credit bureau even though XXXX delayed the check being sent by refusing to provide the information to XXXX and they have spoken to XXXX who also faxed a copy of the check, confirmed the information was correct and sent to the proper address, and there was a holiday. XXXX XXXX XXXX XXXX  refuses to place my account on hold until the payoff is received and is continuing to apply late charges and fees to my account.
Product: Debt collection

Once more I come to this agency with the attempt to solve this issue but appears nobody cares! That's the main reason why people get abused, cheated and extorted. But it is my right to dispute a debt I definitely don't own I will exercise my rights to the very end to clean up my name and credit. On XX/XX/2020 I was feeling really bad at night with certain symptoms that for me appeared to be XXXX. At that time everyone was scared and with a lot of misinformation related to the XXXX. I went to the emergency of XXXX XXXX seeking help because that was the first good urgent care facility close to me that came to my mind. Them I immediately reported that if i needed to pay for the services I had no insurance at the time. The assistant told me that I have not to concern about it because assistance related to XXXX would be covered by the govern. They made a series of exams and, prescribed a fogging session and dispatched me home. Thanks XXXX was not XXXX and the following day I woke up better. I couple of weeks later I received a bill from the Hospital requesting payment for the services. I immediately called the financial department and after explaining the situation they told me the bill would be taken care of and I had nothing to be concern. Them I realized they sold the collection to other companies and did not have done once more what they told me. This is outrageous, immoral and anti-ethical, especially when taking advantage of people when they are in a very fragile moment. That's really not fair and that's the reason I insist and dispute this unfair practice that for sure is not only from them, but the great majority of the Medical system. Their main concern should be saving lives.
Product: Credit reporting or other personal consumer reports

EXPERIAN & EQUIFAX ARE ALLOWING FALSE INFORMATION TO BE REPORTED TO MY CREDIT WITHOUT ANY PROOF OF IT BELONGING TO ME. I HAVE CONTACTED THEM ON MULTIPLE OCCASIONS IN REFRESH TO REMOVING THE FALSE INFORMATION BUT THEY'VE REFUSED TO IN ALL ASPECTS POSSIBLE. THEY HAVE NO PROOF OF ADDRESS, PHONE NUMBER OR ANY OTHER FORM IF IDENTIFICATION TO PROVE HOW THESE NEGATIVE ACCOUNTS BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting, I have a balance on my credit card when i do not have a balance on either. They are reporting incorrect information
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a critical issue regarding my credit report. Upon reviewing my report, Ive found that an account that does not belong to me is being incorrectly mixed with my credit information. This account is clearly associated with another individual, and I have no connection to it whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed several fraudulent/unauthorized hard inquiries that needs to be removed from my credit report. The inquiries to be removed are listed below and I will also like to add that I was a victim of the XXXX XXXX data breach. 

XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Ser XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I had a business credit card through Chase bank. I was an authorized signer on the account but it was a business card in the name of XXXX XXXX XXXX and XXXX, XXXX. In XXXX of 2024, that business closed. I called Chase ( as I did with XXXX XXXX XXXX XXXX XXXXXXXX, also exclusively business cards ) and told them of the business closure. I explained that any further communication should come to my primary personal address. They read the address to me and I confirmed it was correct. Additionally, I informed Chase that the phone number they had on file was no longer correct as it was the business ' phone number. I gave my personal number, they read it back and I confirmed. They informed me that if the business closed, they would have to close the card account as well since it was a business and not a personal card. I was agreeable to that and the account was closed. It had a balance at that time just under {$20000.00}. I never received another communication with Chase bank again ... .at all. XX/XX/year> I checked my credit report. There was a charge off showing on my PERSONAL credit report for Chase Bank. It even shows no reporting up to the point they say I fell " late '' on payments. It was a business card and had never showed on my personal report at all to that point. I called trying to rectify the situation. To date I have spent 7 total hours on the phone with over 10 Chase representatives, supervisors, credit specialists and internal recovery agents. I asked for a " pay to delete '' option, I asked for them to remove late penalties and I would pay the balance. Both requests were denied and they insisted they were right to report it on my personal bureau. Even though I confirmed with all of them that they had been sending the statements to the closed business address and calling the disconnected business phone number that I requested be changed several months prior. I finally paid the balance in full in an attempt to restore my credit as this is having a huge personal impact on my ability to further my current business dealings. I paid in full the balance of {$23000.00} which included almost {$4000.00} in fees on XX/XX/year>. Card number is ending XXXX. This was paid from my personal money, not that of the dissolved business which was the cardholder all the while, not me personally. It is still on my personal credit report showing as a charge off although I have the paid in full receipt. This is causing customer harm. I have been personally harmed and their representatives have made the mistakes.
Product: Credit reporting or other personal consumer reports

New Information Being Submitted NOTE : THIS IS NOT A DUPLICATE I, XXXX XXXX, state that the following account is fraudulent. I have never lived at the address listed below. It is impossible for this account to be verified as mine because I am a victim of identity theft, and I have attached documentation to support this claim. 

I have never signed anything, provided my ID, spoken to anyone, or gone online to authorize this account. 

Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Fraudulent Account Details : Creditor : XXXX Account Number : XXXX Amount : {$1400.00} Credit Limit : {$350.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX
Product: Credit card or prepaid card

My complaint is on how TD Card Services handled a disputed charge on my credit card, and refused to assist in resolving the charge. 

On XX/XX/XXXX I had purchased a gift certificate to a business which the owner subsequently died and received no product or service. On XX/XX/XXXX I contacted TD Card services to dispute a charge. I received no communication with TD Card services until XXXX hurried voicemail left XX/XX/XXXX. I did not immediately return the voicemail, as at first I could not hear it and thought it spam. On XX/XX/XXXX I received a letter asking for documentation about my dispute. I prepared a letter documenting my steps to resolve with the merchant, supplied copy of certificate, card slip, and mailed back to TD Card Services on XX/XX/XXXX. On XX/XX/XXXX I returned the voicemail left XXXX. The representative confirmed the information I mailed had been received and nothing further was need from me. On XX/XX/XXXX I received a letter from TD Card Services stating they were closing the dispute as they were unable to contact me. On XX/XX/XXXX I spoke with a TD representative. The representative claimed that I never mailed the documentation and never returned the call. When I explained I returned the call on XX/XX/XXXX the representative disputed that, despite I could clarly see the outgoing call listed on my phone. It was clear TD Card Services refused to help. The representative stated if I mailed the materials again, the XXXX " might '' reopen the case, but there was no guarantee they would. Concerned my dispute was not going to be resolved and to protect my rights, I filed a claim against the merchant 's estate myself on XX/XX/XXXX. I then contacted TD Card Services to inform them that I had done so. I asked what documentation they might need on file in case it turned out consumer protection laws were still applicable to the purchase ( e.g. if it was discovered in the future the merchant had committed fraud, etc ). The representative indicated TD didn't want documentation or info, and that TD Card Service would refuse to assist in a future dispute of the charge. I ended the call realizing TD Card services would not protect my interests in disputed or fraudulent charges. As a result I have decided to close my account with TD Card Services.
Product: Mortgage

I have contacted MortgagePros several times via email, requesting the cancellation of my loan application. However, despite my repeated attempts, the company has not responded and has continued to conduct multiple credit inquiries on my account without my consent.

I kindly ask that this matter be addressed immediately, and that all further inquiries be ceased. Additionally, I request that MortagagePros connect with the relevant credit bureaus to remove any unauthorized credit inquiries made by MortagagePos.

I want them to confirm the request to removed inquiries on credit history.