23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We deeded the XXXX house to my daughter XXXX XXXX in XXXX retaining a life estate. She received a XXXX $ mortgage in XXXX XXXX. Our names were handwritten and added to the mortgage and we signed as life tenants not borrowers. It is my understanding that life tenants ca n't apply for s mortgage. We never signed as borrowers as indicated on mortgage. Also XXXX was never in our house as we testified to. Attachment That mortgage was satisfied in XXXX XXXX. Attachment It no longer exists on the recorded county registry. 
XXXX XXXX then received a XXXX $ mortgage attachment which we were not aware of nor signed this mortgage. This is the now the recorded loan, not the XXXX $ .attachment We went through foreclosure mediation with an attorney and it was denied. Indy Mac became XXXX XXXX now it is Ocwen. Ocwen refused to negotiate with the XXXX $ since it was the title company 's error which they admitted. 
They are now in court to take away our life estate with the XXXX $ loan and s judge ruled in the banks favor. We are now appealing that decision that this mortgage NOT tecorded. The regulations are in NJ statute that recorded documents can be utilized. They are using a mortgage that no longer exists. Indy Mac knew of the title company 's mistake by not researching rhe recorded deed. Attachment in order to get their money in their greed they are allowed to utilize a previous loan. We as life tenants wish to keep the house and settle to receive a loan modification to purchase the property and remain in the house. The bank knew of the recorded mortgage but chose to file s complaint against us removing our life estateso they could foreclose. Our appeal Might not be heard leaving us without s home to live in with our granddaughter. We deliberately did a life estate to prevent this from happening. SO title company off the hook and bank Pursuing illegal Options. The first mortgage we are not borrowers as they claim and the recorded loan we were not included as life tenants so that mortgage not valid either. We are left with in a difficult position as the courts have sided with the judge and our appeal might not be heard. We ca n't get a loan because the house not in our name, the title company did not orotect our interests, the borrower is not sued but we are foreclosed on with no roof ovef our head. 
The title company and bank should be held acvountable for their illegal banking practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019. Equifax Credit Freeze was unlocked and I spent 2 1/2hr with 3 different women, one posing as a supervisor, trying to get my account frozen again. I played 20 questions with each of them. They all three said they could not Freeze my account even though I was logged into it, because I failed answering 1 or more questions, which they were not allowed to tell me which ones. This coming from a Credit Bureau that was hacked and caused me to have the problem I had. I was told to write a letter putting information on paper and if lost in the mail, then someone else has info. I said I would not do this. 
I went to XXXX and printed out 44 pages of Credit Report. Locked my XXXX account. 
Called Equifax back and tried again. They wanted to go thru the same thing. So I logged back in. It had some selections on the screen and one was " Put a temporary Lift on your account ''. I was told with that on the screen I did not have an unfrozen account. yet when you selected it, it would say YOU HAVE A TEMPORARY LIFT ON YOUR ACCOUNT, IF YOU SELECT THIS IT WILL VOID THE PRESENT LIFT. So to get around them wanting me to send a letter to them, I selected it to void the present LIFT and Put in a LIFT for 1 DAY. Problem solved!! Not one of them mentioned this, but at least the undetermined length of 1st Lift was rectified with a 1 day lift. 
Those people need training and a more straight forward way of doing this LIKE XXXX Web Site!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act, the list of account below has violated my federally protected consumer right to privacy and confindentiality under 15 u.s.c. XXXX Account XXXX .... XXXX  XXXX XXXX. 
Account number .... XXXX. 
Has violated my rights. 
15 u.s.c. 1681 section 602 A. States i have the right to privacy.

15 u.s.c.1681 section 604 A. section 2 : It also stats a consumer reporting agency can not furnish account with out my written instruction.

15 u.s.c. 1681 C. ( A ) ( 5 ) section state 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 anted ates the report by more them seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A. person shall not furnish any information relating to a, consume to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.. 
There is a need to insure that consumer reporting agencies exerciese their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy. 
Reporting company used your report improperly obtained or used for purpose that aren't allowed by law...
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft been reporting to Experian, XXXX and This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 

{ dispute_item_and_explanation } I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is at this moment requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Some how fraudulent information still auto verified when the merchant account is linked to an address that Ive never stayed at nor is it on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Wife received phone call from XXXX XXXX claiming an old XXXX   bill was owed. She advised them please send all billing statements from the first time the account was opened so we could go over what bills were paid and what bills were not paid. Associate claimed they would send the information so we could verify the billing was correct. We moved all lines from XXXX XXXX or XX/XX/2018. All numbers were ported to XXXX with all phones from XXXX being paid off ... .. XX/XX/2018 XXXX placed collections account on Credit report without verifying information. XX/XX/2018 Sent a verification of debt letter to XXXX XXXX and disputed claims with all 3 credit bureaus. Three credit bureaus came back as information was verified. nothing received from XXXX. Mid XXXX after the 30 Day sent another letter for XXXX to respond within 15 days ( allowing 45 days for them to send billing information ) ... .. Today is XX/XX/2018 Nothing has been received from the credit collections company. This has already been sent back to XXXX once before due to another collection agency being told and shown it was paid off. I want this removed from the credit report and all three bureaus updated. XXXX XXXX, Equifax and XXXX  all used the actual XXXX XXXX which always shows an amount is verified.
Product: Checking or savings account

EverBank CDs were opened with maturity instructions entered online. Everbank updated their platform and as a result they indicated that they will not honour the maturity instruction that were previously entered.

1. Maturity instructions can not be called in until the maturity date.

2. Maturitiy instructions can not be entered online until XXXX day after the maturity date. 
3. Default maturity instructions are to rollover into a new CD.

4. If the CD is not rolled over to a new CD no interes will be paid between the time the CD matures and the time the funds are moved out of the CD account.

Everbank made changes retroactively. CD would not have been open if these were the rules when the CDs were opened.

This restriction on when maturity instructions are accepted is not disclosed for new CDs until after the CD has been opened.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I have XXXX accounts with Marcus by Goldman Sachs that were linked to a work and phone email that I used for most of my business and personal accounts. I left the company on short notice and the phone and email were turned off. I have since purchased another phone and have another email address. My mistake was to use my work email but it is an email I have had many many years and one that I monitored regularly. As far as the phone it was my only phone and phone number that I had. I have called Marcus multiple multiple times and filled out an affidavit form provided on their website with my information and NEW phone number. I had it notarized at my local bank and sent it certified US mail. That was 4 weeks ago and they acknowledge they have received it but keep telling me it is still under review. I was told I could close my account and finally requested to do so and after over 1 hour on the phone was told they are still reviewing my account and am not able to close it yet. My checking account is tied to the account and they can see it. Any help would be greatly appreciated. FYI I have account numbers and balances from a recent savings account statement.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

Approximately XXXX weeks ago I contacted XXXX XXXX XXXX to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. I have yet to receive any response from XXXX XXXX XXXX, and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Payment for my mortgage was sent remitted through XXXX XXXX XXXX My mortgage servicer XXXX rejected payment XX/XX/2025 refunded money back to XXXX. Was told by XXXX customer service my funds of {$2100.00} was refunded and I could pick up my funds at XXXX. Spoke with XXXX XXXX XXXX ID # XXXX she told me funds were in their system, but they could not refund them for 10 days. I need my funds to be refunded immediately.
Product: Consumer Loan

I keep receiving calls about a loan that has been paid in full since 2014. I have documentation that proves my loan had been paid. However, I keep receiving calls that I still owe. Not only that now they are calling themselves Diversified Recovery Bureau. The last time I reported these people they called themselves Diversified Recovery Services or Diversified Recovery Solutions. I have no idea who these people are and why they are still calling me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We have had a mortgage loan for approximately 35 years. Ocwen became our loan servicing company after acquiring it from XXXX. With XXXX we had an ARM for 2 years at 8.650 % with a 30-year fixed rate following that. With Ocwen, we were told in XXXX of XXXX, that our loan would be going to a variable rate. In XX/XX/XXXX PHH took over for Ocwen, which now holds our loan. In the process of Ocwen/PHH transitioning in as the loan servicing company, our loan has gone from a payment of XXXX to XXXX per month. We have paid our payments on time but according to our credit report, the payments are showing as late. In looking online more into this company we have found this to be the case with many Ocwen/PHH mortgage holders. Please see XXXX XXXX XXXXXXXX. According to this website, 21 states have filed class action lawsuits and have successfully banned Ocwen/PHH from being a loan carrier in their states. ( " In late XXXX of XXXX, 20 states took aim at Ocwen and blocked the company from handling any more mortgages in their states. Massachusetts became the 21st state on XX/XX/XXXX and in XXXX, Texas joined the growing list of states that have said, Enough! to Ocwen foreclosure fraud. '' ) Our credit score has been damaged terribly by them. Our score has gone from XXXX to XXXX. Because this is our only loan and we pay our bills on time, we have a strong belief this is because of this company and the payment we are required to make is crippling us. 

We discovered our credit score within the last 2 weeks as we were applying for a new loan. We received no notice of any kind from them and we are afraid they are going to take our home from us. We have also attempted to contact them but they are not taking calls because " PHH phone system was not working because of a high volume of calls. ''
Product: Checking or savings account

Always seem like I was being charged twice for things. Like I can make a purchase & I can see the money taking off then but later I check again & was charged again. I mention this before but I could never get an correct answer.
Product: Payday loan, title loan, personal loan, or advance loan

You accepted a trusteeship and created a fiduciary obligation for the trust. I'd like to know who used my information to set up an account with net credit as this is not my account As I have never had a account with you. You did not have my consent to make an profile in my name breach of contract. The application is the securities as it's face value meaning the car has been pre paid this was not a installment loan this was a consumer credit transaction as I extend credit to you in good faith 15 USC 1681 adverse action I can't be denied a extension of my own credit Federal reserve section 1 & 2 explains the whole process that your company failed to operate under 12 USC 1431 say all the duty 's of the banking system as the bank can only borrow no were on the application does it say I was the borrower so the bank is acting as the trustee in this contract and I have the right to contact it's securities attached to this account and I'd like to know who is the owner as the bank is acting as the trustee only the board of governors at the federal reserve can deny my request so if u can please provide me with a name that came up with the decision to deny me and the name of the person who made a account in my name and can I please have the full number that's ending with 5423 that attached to my account as they acting as my beneficiary with our my consent 15 USC 1605 say down payment are illegal I'd like to offer set the accounts associated with net credit please provide me with the binding contract and XXXX XXXX XXXX  explained to me that they have no contract they only funded the account account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I signed a lease, so-signing with my mother at XXXX XXXX XXXX XXXX This past week Honda actually bought the car off of me, paying off the rest of the amount and owing me around {$5000.00}. I went to another dealership test drove a car, and found the perfect one. I went to sign papers and before that they ran my credit report to make sure my past lease checked out. Come to find out the entire 3 year lease was not once reported at all to the credit bureaus. 

I called Honda Financial, the ones who actually do the reporting and was first told it was " because of COVID-19 relief program, where some accounts had their reports removed. I then asked why would this happen if I didn't authorize this, or get informed of it, and why my information from the entire year before the pandemic began wasn't still on my credit reports. She responded that " They went in and deleted all history with them ''. I contacted my attorney and he instructed me to call back and ask for a supervisor and file a complaint here first. 

I called back again and was denied being placed with any supervisor. Instead I was told this time that the reason it wasn't reported is because sometimes the computers mess up and don't report lines of credit. She also told me I won't hear back for 3-4 business days, and it could also take 30 days to even try and reinstate my information to my credit report they messed up. 

My mother, the co-signer also checked her credit reports and they failed to report there too. This was not my mistake and their employees took credit for the fact their computers made a mistake. I should not have to wait for this to be reinstated, as I should've been able to get a new car last week if it wasn't for their negligence.
Product: Mortgage

We contacted our current lender ( Nationstar Mortgage ) about refinancing our home to a lower interest rate and was denied several times. Our current interest rate is 5.5/8. We have been with them for over 8 years ; never been late or missed a payment. Our credit scores are in the XXXX. We was asking for a 15 or 20 year loan. They sent us 40 year 4.5 interest rate which we turn down.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX a wire transfer of {$400.00} was initiated for to : Wells Fargo Bank, NA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Routing # XXXX For Credit to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Number : XXXX For Benefit Of : Account # : XXXX Name : XXXX XXXX The funds came from my account with XXXX XXXX The funds never made it to the XXXX XXXX account. On on around XX/XX/XXXX, I personally reach out to XXXX XXXX and they confirmed they never received the funds and was advised to reach out to Wells Fargo. I then reached out to Wells Fargo Bank and was advised that because I didn't have a personal account with the institution I would have to reach out my my bank that initiated the transfer. 
I went into my local branch and spoke with a banker who's initiated a " tracer '' to locate the funds. She also reached out to Wells Fargo Bank back office to get assistance in locating the fund. As of XX/XX/XXXX there has been 4 attempts to communicate with Wells Fargo Bank from the banker at XXXX XXXX regarding locating the {$400.00}. Dispited many attempts by myself and XXXX XXXX Wells Fargo Bank has failed and or refused to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous FTC report to have inquiries removed from my report after my car was brpken into and my wallet was taken. 

the previous FTC report was submitted with errors for the follow inquiries : XXXX XX/XX/XXXX DATE SHOULD BE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. DATE SHOULD BE XX/XX/XXXX XXXX XXXX XX/XX/XXXX. DATE SHOULD BE XX/XX/XXXX The report I received Confirmation # XXXX indicates the inquiriy XXXX  XXXX/XXXX/XXXX was deleted but the inquiry is still present on the report. There's another date for the same inquiry that should be deleted as well : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report includes a Loan Modification ( mortgage ) which i no longer live in or named on the ownership/deed since XXXX attached is the Divorce decree dated XX/XX/XXXX gives my ex husband 100 % ownership/responsibility. 

***There have been 2 modifications since XXXX by the same company. I never signed, sent my income or verified my identity with XXXX XXXX XXXX. How can they refinance using my SSN, Income, etc. I have not lived at the property wince XXXX. The balance is not what I originally applied for from XXXX / XXXX XXXX years ago. attached is the original note I was joint, I never signed nor have anything to do with these modifications.