23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

. TIMELINE Our first Lender was with XXXX XXXX in XX/XX/XXXX for XXXX. Our interest rate was 11.625 % See Title ATTACHED. Ocwen XXXX XXXX XXXX, purchased our loan # XXXX on XX/XX/XXXX for XXXX. The amount of our initial payment on this note monthly was {$1100.00} to Ocwen XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX until XX/XX/XXXX. 
HARDSHIP TO OCWEN XXXX XXXX This letter is to support our application for a loan modification that was approved XX/XX/XXXX by Ocwen XXXX XXXX. It was suppose to help us to get our mortgage payments back on track with an affordable mortgage. We have lived in our home for over 20 years and we want to work hard and keep it. We fell behind on our mortgage payments due to loss of income due to loss of my job of 16 years at XXXX. My husband was injured on the job filed a claim with L & I, Osha   and I was fired. XXXX had to file for XXXX, and pension for the rest of his life. We had a very hard time dealing with our debts because we never had financial problems before. There were so many expenses and managing a home and family was hard. XXXX had been employed in the XXXX  business for more than 20 years working inside a XXXX  at XXXX where he was injured. He was XXXX  XXXX  on the job and filed a claim with L & I, and Osha. Immediately after my husband was fired he had to file for XXXX, and pension for the rest of his life. We accrued mountains of financial, medical bills and our credit history was destroyed. We had a very hard time dealing with our debts and lower income for two years until XXXX was granted XXXX XXXX. We applied for a application for assistance. We were placed in a Forbearance Plan where we accumulated excessive late fees, attorney fees, reoccurring foreclosures fees, fraud and homeowners abuse, unfair, deceptive practices like sub-prime lending, unprocessed modification and illegal threats of foreclosures Charging {$5000.00} down payments for modification only to be denied several times. Finally, we were given a LOAN MODIFICATION AGREEMENT on XX/XX/XXXX to begin on XX/XX/XXXX. We received a Notice of Assignment, Sale or Transfer of Servicing Rights Ocwen Loan Number XXXX to XXXX XXXX, XXXX effective XX/XX/XXXX, When Ocwen sold our loan pour principal balance was {$160000.00}. Ocwen XXXX XXXX now called, PPH Mortgage Services XXXX. XXXX  XXXX XXXX, NJ XXXX # XXXX Ocwen XXXX XXXX added $ {$53000.00} to our loan and abusively continue to report our loan late In addition our credit history was DAMAGED by reporting us late. Ocwen XXXX  sold our loan the charged excessive late fees, Continuously placing us in Forbearances that failed ; accrued fees attorney fees, hidden fees, and failing to report payments before selling our loan to, XXXX XXXX XXXX, GMAC Mortgage Co. XXXX , XXXX XXXX  XXXX , XXXX XXXX  XXXX  . Finally, in XX/XX/XXXX our house went in Foreclosure. We were forced to file Chapter XXXX in order to save our home from widespread mortgage servicing issues ; failing to apply and report payments from Mortgage Company to mortgage company is abusive and unprofessional.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT BALANCE WITH XXXX XXXX XXXX IS INCORRECT. MY BALANCE IS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NEEDS TO UPDATE MY INFORMATION CORRECTLY. THE BALANCE IS XXXX ( XXXX ) FOR THE ACCOUNT ENDING IN XXXX AND ACCOINT ENDING IN XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint concerning the many unsuccessful attempts I have made to correct a late open accounts and remove a public record from my credit report. Despite my persistent efforts, these items continue to adversely affect my creditworthiness and financial standing.

Previous Attempts to Address the Issues : I have previously disputed these items through your bureau, providing supporting documentation and evidence of inaccuracies. Despite this, the late open account and public record persist on my credit report. 

I request an immediate and thorough investigation into both the late open account and public record to validate their accuracy. If found to be inaccurate or unverifiable, I request their prompt removal from my credit report. 

Additionally, I request a written confirmation once these items have been corrected or removed, along with a detailed report outlining the investigation process and resolution. 

Please acknowledge receipt of this complaint within the exact timeframe and provide a designated contact person for further communication. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX  XXXX XXXX Balance Owed : {$1000.00} I have serious doubts regarding the accuracy of the reported late payment dates. I firmly assert that I made all payments on time as required. I demand that you promptly report the payment status as positive and eliminate all late payment entries from the reporting associated with this account. Your immediate action to sort out this matter is expected. 
XXXX XXXX XXXX Balance Owed : {$2100.00} The presence of a 30-day late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected. 
Chapter XXXX Bankruptcy Reference # : XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Student loan

Im not sure where to even start. I went to XXXX and was constantly pulled out for non payment of the XXXX loan. But the main reason Im messaging today is Navient. They would never lower my monthly payment no matter how many times I showed that I could n't make that payment. So instead they would always offer forbearance. I was young and XXXX and by myself so I took the only option I could. That has seriously effected the last 7 years of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally applied for a loan with Movement Mortgage on XX/XX/XXXX for underwriting. The loan ( XXXX ) was pre-approved and then transferred to Mortgage Loan OfficerXXXX XXXX on XX/XX/XXXX because he was licensed in Georgia. 

On XX/XX/XXXX, Movement Mortgage access my credit file unbeknownst to me and started another application for underwriting even though they had all the necessary documents. 

On XX/XX/XXXX, after I pressed the issue with XXXX XXXX, the Georgia branch manager, however no logic explanation was given. On XX/XX/XXXX, I terminated my loan ( XXXX ) and relationship!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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
Product: Credit card

I called Barclay and closed my credit card months ago. Paid the amount the woman on the line noted and I thought I was done. Then months later I get an email that there is a balance? I call them and they will not help me without the card number. I do not have the card number and destroyed everything to do with it. Then they ask for my SSN #, birthdate, and everything else and then hang up. Barclays shared my information with at least XXXX other support firms around the World and are encouraging identity theft with their practices. Why do I have to give up all of this info for an inquiry? How do I resolve this matter when I give the info and they hang up. They used XXXX for their login page and ask for your SSN #, when XXXX IS NOT SECURE? BARCLAYS IS A SCAM!!!!!!! They have no desire to resolve the matter and certainly enjoy the encouragement of personal identity theft!
Product: Checking or savings account

On Friday XX/XX/XXXXXXXX, I went into an XXXX XXXX XXXX store to make a payment on my phone and internet bill which was {$260.00} ( XXXX for internet {$200.00} for phone ). On Monday XXXX XXXX, XXXX I noticed that my internet was charged twice on my bank account. I called XXXX XXXX XXXX and asked if they could refund the extra internet payment. They said they would. The next day I noticed my phone bill still had a delinquent balance. I checked my bank account and saw the payment posted as of that Monday. I called XXXX XXXX XXXX and they told me the payment for both my phone and internet bill was reversed/canceled. I told them that was not supposed to happen but once it post back to my account I will pay it again. The money never posted back to my bank account. I called them several times over a month trying to get the money refunded to my bank or credited to my bill and they refused because they stated they already gave it back to me. I showed them my bank account and the receipt from my payment and they still would not rectify the situation. On XX/XX/XXXX I had to pay the delinquent balance on my phone bill even though I never received the payment back and they charged me a {$35.00} fee. On XX/XX/XXXX I again paid my phone and internet bill. On XX/XX/XXXX I have another payment due but I still have not received the payment back from XX/XX/XXXX. I finally filed a dispute with my bank Regions. I provided them documentation and they have closed my claim stating that they can not credit my account even after showing them documentation that XXXX XXXX XXXX supposedly refunded the money. I again called XXXX XXXX XXXX and they wont find a solution to this problem. They say its the banks issue to fix and Regions keep telling me its XXXX XXXX XXXX issue to fix. I can provide documentation from my bank and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts refleted on my credit file, which were added without my consent. pursuant to section 604 of FAIR CREDIT REPORTING act 15 U.S.C 1681b, there are specific permissible purposes required to report an account on my credit file. I did not authorize theses accounts and I do not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am attaching an identity theft report in support of my claim, in accordance with the Identity Theft and Fraud Act ( 18 U.S.C. 1028 ). This report provides evidence of fraudulent activities that have impacted my credit history without my consent, reinforcing the accuracy of the facts presented.
Product: Debt collection

This company has been removed and blocked by XXXX many years ago. Now at least XXXX or 2 times a year the debt collection company keeps reselling the account with different account numbers. i was told yesterday but the Identity Theft Fraud department at XXXX to list the original collector. See below. 

Creditor XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$740.00} Unverified Account Original Creditor XXXX XXXX XXXX XXXX Amount : {$740.00} Unverified Account I have mailed all supporting docs to Experian..
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a hard inquiry on my credit report as listed below. This inquiry was made without my knowledge or consent, and I request its immediate removal from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing you once again for about the XXXX time this year ( not to include the other dispute letters from XXXX, XXXX, and XXXX ), to dispute Fraudulent Information on my credit report resulting from identity theft. This letter serves as my final request to Block and Remove all items associated with the identity theft in accordance with 605B of the FCRA 15 USC 1681c-2. 

The items I am disputing are as follows : Acct : XXXX  XXXX XXXX XXXX Acct number : XXXX Date : XX/XX/XXXX Description : Auto Loan Under 605B USC 1681c-2, I have the right to request the blocking and removal of information on my credit report that is a result of identity theft. I was in XXXX XXXX at the time of this fraudulent activity and I am still in XXXX XXXX and I'm not scheduled to be released until XX/XX/XXXX. 

I am providing the following documents to support my claim : XXXX ) FTC Report XXXX ) Police Report XXXX ) Paper where XXXX XXXX XXXX sold the debt Thank you for your prompt attention into this matter. I expect a response in 30 days as required by the FCRA.
Product: Debt collection

Account was supposedly opened in XXXX. In XXXX I was advised that the property was seized from owner and was sold and the balance was cleared and that {$0.00} was owed for the property. Gm Financial agreed to remove collection via letter mail and via phone once payment was settled. To my knowledge payment was settled because a letter was received in the mail stating that the collection would be taken off of the credit file. It never happened. Company is falsely reporting debt that was settled years ago.
Product: Student loan

I have a promissory note that consolidated my student loans made in XXXX. XXXX  convinced me to put the loan in forbearance until XXXX. The never informed me that my loans were accruing interest daily. In XXXX XXXX XXXXXXXX someone telephoned me and told me that my {$40000.00} loan as ballooned into a {$180000.00} debt. That's when I panicked and lost contact with them. In XXXX the Trump Administration filed suit against XXXX  for the unlawful business practices, and I mistakenly thought this would take care of my loan problems, however it didn't because CFPB in XX/XX/XXXX settled the suit for just {>= $1,000,000} which is not enough to make whole the millions of student loan borrowers left homeless because of XXXX. The complaint is to the poor job CFPB did in resolving this student loan disaster. XXXX  is being let off the hook. Oh, the in XXXX XXXX  sold my student loan to XXXXXXXX XXXX XXXX, for {$180000.00}, just a random number to still from my life. XXXX is my current loan servicer. How does private companies sell and purchase public debt at much higher rates that was owed? CFPB needs to help the people, not sell them out.
Product: Credit reporting or other personal consumer reports

In response to your request to remove adverse information that resulted from being a victim of XXXX, we received the required documentation, removed the information you identified and mailed you a copy of your updated credit report. Should you wish to contact TransUnion, you may do so
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of an account listed on my credit report, specifically with regard to an account with XXXX XXXX XXXX account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C 1692 g, I am requesting that you either validate the account or remove it from my credit report. I do not recognize this account, and I have not received any communication from XXXX XXXX regarding this account. According to 15 U.S.C 1692 g, if a consumer disputes the validity of a debt, the debt collector must cease all collection activities until it provides the consumer with written validation of the debt. In this case, I dispute the validity of the account and request that you provide me with written validation of the debt, including the original creditor, account number, dates of activity, and any other relevant information. Additionally, I do not recognize how this account is reporting on my credit report, including the account number, balance, or status. None of the information reported here meets the requirements set forth by the FCRA or FDCPA. If you can not provide me with written validation of the debt, I request that you remove this account from my credit report immediately. I am exercising my rights under the FDCPA and FCRA to ensure that my credit report is accurate and reflects only valid debts. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit card or prepaid card

XXXX XX/XX/2022 Capital One Bank Capital One Bank sent an email stating the following : " Congratulations! Youve earned your security deposit back ''. 

Re : Your account ending in XXXX XXXX XXXX XXXX, As a partner in your credit journey, weve refunded your security deposit via statement credit. Your Capital One Secured Mastercard has been upgraded to a Platinum Mastercard. Youve been selected for this upgrade because youve used your Secured Mastercard responsibly.

The {$1000.00} dollars does not belong to Capital One Bank.

Youve earned your security deposit back and issuing a credit statement of my {$1000.00} dollars is NOT EVEN on the same footing.

I do not need a credit statement of my {$1000.00} dollars from Capital One Bank.

If needed I will seek a Lawsuit against Capital One Bank.
Product: Payday loan, title loan, personal loan, or advance loan

I am having lots of trouble repaying this loan back.I can not afford it more.I just want the calls and the contacts to stop please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX - XX/XX/2021 2. XXXX XXXX XXXX - XX/XX/2021 3. XXXX XXXX XXXX - XX/XX/2021 I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax furnish this information. 

Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Equifax resolving this matter with this initial communication.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had checked credit report and its showing its open. When its supposed to closed. Showing XXXX accounts thats already been charged off. Both are open and its not accurate.