23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen did a refi with me in 2009 that was all to their benefit. After all was done their bate and switch refi put a significantly larger sum of money on the already under water loan and eventually pushed my interest rate up to 7.1 %. They have refused me for several years to do a regular refi at today 's current low interest rates and just recently I was called by a place called XXXX XXXX XXXX promising to help me reduce the loan balance and interest rate with my Ocwen loan. XXXX XXXX told me that Ocwen had been sued by the U.S. government XXXX ( I found this article online ) and they said that with their contacts they could help me. 

Well, yesterday I got Ocwen 's refi offer ( all XXXX something pages of it ) The refi does not guarantee to lock in the low interest rate on the loan over the entire remaining time of the loan. It also says that they will additionally receive XXXX % of any appreciation the home has over the next 20 years. And if that is not already outrageous enough they then sour the whole thing with a balloon mortgage after the 20 year mortgage is finished where they demand a final principle payment due in full upon the maturity of the loan no less than {$160000.00}, plus all accrued interest on that amount for the past 20 years ( no disclosure of what that rate is ), all advancements made by the mortgage company and a XXXX % inflationary and market appreciation in the value of the property yet again ... 

Now I 've already been struggling to pay on this ridiculous loan for the past ten years and I will not be swindled by them again, but I really wish there were some way to force this company to make actual proper equitable solutions without having to go into bankruptcy. Is n't it already enough for them that they make XXXX to XXXX times what was loaned out over 30 years? Obviously they are still trying to push people into foreclosure and ruin with their treachery and chicanery.
Product: Vehicle loan or lease

Hello! I had a car loan through foursight Capital. I was making my payments online through credit card until one time I had to make it through cash and they claimed they never got it but they had it the whole time while treating me ridiculously rude. Saying I never sent in my payment. Then they eventually found it and it was too me for my next payment. Well, I called to make my payment through credit card and the lady told me We close in 7 minutes to call back tomorrow. That I had time to make my payment and that no one was going to come and repo my car. I got up the next day to find the repo man with my car already jacked up tried to get it where I could keep my car by calling them while he was there and they insisted that I pay the whole loan. Wouldnt take my payment online had to do a money order right then and there and now I cant even get a loan or anything because they put it on my credit. To make it even worse they did this days before my Birthday.
Product: Checking or savings account

What had happened is that I tried purchasing a coach hand bag from a company through instagram and they were adamant in using XXXX as a form of payment. Then just further down the line they requested more money for frivolous reasons and started to seem as a overpayment. I had used Chase Banking to give these people the funds necessary to complete the transaction. i had first contacted them on XX/XX/year> and XXXX them {$160.00}. A couple days after they had not contacted me at all then requested for me to send them {$75.00} for " shipping protection '' which I had sent them on XX/XX/year>. They had claimed they did not receive the payment and started to get aggressive with me, as it did show as pending I had done another XXXX payment to someone I did know to ensure it was working and it did. This is when I knew of the scam they had been pulling, they previously requested for me to send them more money so they can refund me my own money I had already given them. After all of this I had reported this interaction to Chase Bank, and filled a compliant of scam and fraud but even with all the evidence, receipts, email, names, transaction history, and scamming behavior they were unwilling to provide a XXXX refund on the scam even thought they were a company acting as a individual, requesting XXXX they were a entity with the backings of a company.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 
XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX * Early Warning Services , LLC * XXXX : Consumer Services * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request to remove accounts from Credit Consumers Dear Early Warnings I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : XXXX XXXX  XXXX Account # XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to pay my balance but the companys online banking had dis-enrolled me. The customer service keep telling me to go online to manage my account without fixing my log-in issues because my other account had been closed and it affected all my accounts
Product: Payday loan, title loan, personal loan, or advance loan

I previously submitted a complaint with CFPB ( XXXX ). Tesla responded in writing that they would refund me for an overpayment that I made. CFPB closed the case but Tesla did not issue me a refund. I would like to reopen case XXXX due to Tesla 's refusal to issue me a refund.
Product: Payday loan, title loan, or personal loan

Someone took an Advance America account in my name they got a payday loan with my name and I had a fraud alert on my file on my credit report and they went through with it anyway without calling me to verify who the owner was I never got a payday loan with Advance America and they will not help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent Equifax a request to remove an unverifiable collection on my credit report. I have not received any response regarding the investigation. This is highly damaging to my credit report, and there is no creditor or collection agency listed so there is no way to validate this account.
Product: Debt collection

on XXXX, i filed my FTC report informing them that i was a victim of identity theft and the alleged debt of XXXX is not mine and needs to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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
Product: Debt collection

I need XXXXXXXX XXXX Experian to resolve these false reports off my credit reports. I sent 10s of dispute letters, nothing has done. I contacted each and every collection company " The said ; if it is in their file, it has to be truly a bill of mine. '' Those doctor bills went off before and come back again. I told them that when the paramedic came, I never went on them because I knew how they operated, they are all about the big money. They came and took my name and social even if when my neighbor called them, but I never went on their vehicle. And The Florida medical bill is wrong. I refused to get serve because their phlebotomist was in training, he poke me 4 times and still could not get it right. I signed the refusal agreement and left. No way for those charges. Please get to them, and get my credit back the way it should have been. 



XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$920.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$550.00} Needs Attention XXXX XXXX Last reported :XX/XX/XXXXXXXX + {$530.00} Needs Attention XXXX XXXX Last reported :XX/XX/XXXX + {$520.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$460.00} Needs Attention CXXXX XXXX XXXX Last reported : XX/XX/XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported :XX/XX/XXXX + {$100.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Equifaxwas the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX : {$790.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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: Credit reporting or other personal consumer reports

XX/XX/year> Ive been in communications with Experian, about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. 
By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told Experian many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information : Incorrect names listed as : XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX A XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX A XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX Incorrect phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX Incorrect employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only name is XXXX XXXX XXXX My only address is XXXX XXXX XXXX, XXXX Ohio XXXX My only date of birth is XXXX My only employer is XXXX XXXX Mortgage You are required to do what I am asking and block the following personal information from being reported to my consumer report within XXXX  days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX XXXX XXXX
Product: Mortgage

We refinanced our home on XX/XX/XXXX with the same company XXXX XXXX XXXX XXXX XXXX which is the same company prior to refinancing. The company they had serving our loan is Loancare, which is still the same serving company prior to refinancing. Our first payment for the new loan wasn't due until XX/XX/XXXX. Prior to making payment on the new loan I noticed my escrow amount for the new loan was off by {$470.00}. My prior loan escrow was XXXX, which I received a check in the amount of {$80.00}. This left a balance of {$2900.00}. My beginning balance for my new loan was only {$2400.00}, which is a difference of {$470.00} unaccounted for. I contacted them and spoke with a representative by the name of XXXX on XX/XX/XXXX, which he reviewed my account and agreed it was missing {$470.00}. He stated he would escalate it to the escrow department and I should hear something in 3-5 business days. This was my first attempt with no response. I then sent an email on XX/XX/XXXX, which was my second attempt with no response. I then sent an email on XX/XX/XXXX and received a unacceptable response on XX/XX/XXXX. Informing me to contact my original closing company, who I thought I was contacting. I then reached out to my loan officer XXXX XXXX with XXXX XXXX, XXXX on XX/XX/XXXX for assistance and XXXX XXXX, Mortgage Loan Processor with XXXX XXXX XXXX. XXXX XXXX informed me I need to contact Loancare regarding the final reconciliation of our old loan payoff. That's who all my escrow inquiries have been going to. I sent Loancare a certified letter with all documents, which has been delivered to Loancare, XXXX XXXX XXXX, XXXX  XXXX, VA XXXX and signed for on XX/XX/XXXX. I haven't received no response yet. I'm not getting any assistance from XXXX XXXX XXXX or Loancare. All I'm getting is the run around. XXXX should be just as accountable they sent my loan to Loancare to service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dispu ting  XXXX  inc orrect things on my transunion credit report for months now. These  XXXX  items should be deleted off my report. I received confirmation yesterda y  X/XX/2017  th at these  XXXX  items were finally deleted off my  XXXX  credit report. So it has been confirmed after there investigation that the items were to be deleted however transunion will not allow me onto the website to re-dispute them again and everytime I call transunion I keep getting transferred to different agents. The  XXXX  account is    XXXX   XXXX   XXXX    the  XXXX  account is  XXXX . These  XXXX  accounts are reporting as deragatory and they do not belong on my credit report. I have contacted   XXXX   XXXX   XXXX    cor porate office months ago and it was rectified it was to be deleted. I also contacted  XXXX  and that also has been rectified. I was instructed to re-dispute this information with the credit reporting agency 's and they will respond to have them deleted. Like I mentioned earlier  XXXX  has done so as of yesterday but transunion is still reporting this. Having this incorrect information reporting as negative is affecting my  credit score.   Transunion is not doing a proper investigation or they would be receiving notice from the  XXXX  different creditors to delete off my report. I am fustrated at the fact that I can not get online even with a confirmation number/answering all the security questions etc ... ..then I spend so much time on the phone trying to get to speak to someone to rectify this problem.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  and I need these accounts urgently removed from my credit report. I have tried everything to submit these documents online, as mailing is unsafe for me. TransUnion reps have tried repeatedly to reset my online account for almost XXXX  years and it just will not allow me to submit any disputes. Please remove all adverse information from my credit report immediately. I have enclosed the proper documentation. 

Thank you so much.
Product: Mortgage

I was going to sell the property at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, therefore on XX/XX/XXXX, I called Ocwen Loan Services loan asking for the payoff of my loan. I was told the amount and then later on XX/XX/XXXX, I was told the amount was {$43000.00} more than the amount quoted over the phone with a representative. I did a modification loan back in XX/XX/XXXX and was given a 1099 for cancellation of debt of {$64000.00}. The lender stated that I defaulted on the modification in making my XX/XX/XXXX payment late ( pass 89 days ), therefore they put {$43000.00} back in the loan amount. I asked them to provide proof of the late payment from XXXX XXXX XXXX XXXX, but they could not provide. I attempted to obtain the receipt from XXXX XXXX and was told that I needed to obtain it from Ocwen Loans Services. I was very drained and frustrated at the time so I tabled the issue until now. Another frustration was that I explained if I had defaulted why I did not receive notification in the mail of this and why was the house not deemed for foreclosure. Nothing came up about a late payment until I decided to sell the house in XXXX. I never received a corrected XXXX either and therefore I was not able to amend my taxes. I am currently trying to refinance my house and the issue has presented itself again. I am disputing the {$43000.00} that they rolled back into the loan and in addition to that the 25 % they will profit off of the refinance or sell of the home. The XXXX ( XXXX XXXX XXXX ) was to the life of the loan. This all just seems very predatory and excessive to a homeowner who at the time was newly divorced and financially struggling. Any assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXXXXXX 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there were 4 zelle transactions totalling {$1200.00} sent to XXXX that I did not authorize.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$4500.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately XXXX XXXX {$1300.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately XXXX XXXX  {$650.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately All these account are closed and should be removed from my credit profile