23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Prior to our involvement on this file, the borrowers sought a loan modification XX/XX/XXXX. The modification trial planned payments were unaffordable and the modification was denied. After nearly two years of mediation with no success, the borrowers came to us to facilitate a successful short sale. Since we have begun working on this file XX/XX/XXXX, Ocwen has scheduled XXXX foreclosure sale dates and cancelled each of them. The offer was sent in XXXX/XXXX/XXXX and Ocwen confirmed receipt. Following this confirmation, Ocwen then denied having the package on file XX/XX/XXXX insisting that we were wrong. We resent the package again on XXXX/XXXX/XXXX. We were told multiple times XX/XX/XXXX and XX/XX/XXXX that the file was still in loan modification and they were working on getting it denied. 

On XXXX/XXXX/XXXX, we were told that the documents were under review for short sale by XXXX XXXX. Three days later on, XXXX/XXXX/XXXX, we were told that the file was not in Short Sale Review and was instead still in Loan Modification review. The representative at Ocwen told us to have the co-borrower sign a Quit Claim Deed for the property and that they would continue the modification review without her information. The recorded Quit Claim Deed was sent into Ocwen on XXXX/XXXX/XXXX. 

The file was escalated on XXXX/XXXX/XXXX and was with the underwriting team with no new documents requested at that time. The third foreclosure sale date was put on hold and Ocwen was processing the file without the co-borrower 's financials the following day, XXXX/XXXX/XXXX. 

However, on XXXX/XXXX/XXXX, Ocwen demanded the financials again and let us know that the file was in review for Loan Modification - again. The Request for Mortgage Assistance was sent in several times, each time requesting short sale and acknowledging the vacant status of the home. 

While we respect the policy of the FHA reviewing for loan modification, we see no point in continuing the process for several more months when the seller has attested to its vacant status. The vacant status has also been verified via the BPO report. 

The submission of retention denial letters, a removal of a borrower from the title, and the vacancy status of the home should all warrant automatic denial of the loan modification.
Product: Credit card

I processed a payment on XX/XX/23 for {$90.00} after processing my payment I received an email saying they processed for the full balance on the card of {$3400.00} which is not what I selected I provided screenshots as proof that I always take when making my payments every month. I called PenFed and spoke with 2 representatives and a supervisor to be told they cant correct their error and their system doesnt have a way to stop payments even if its their error. Now my bank account is going to be overdraft and I will get fees from my bank. To top it off my other bills I set up to come out of my account will be rejected and Ill get returned payment fees for my other bills I paid earlier that day! Its beyond ridiculous that their system messed up and they refuse to fix it and undo their system error
Product: Credit reporting or other personal consumer reports

I am sending this to formally submit a follow up complaint regarding an unfortunate incident of identity theft that I have recently experienced, I previously submit a complaint dated XX/XX/XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I kindly request your assistance in rectifying the discrepancies in my credit report. The specific identity theft incident is documented under Report # XXXX. Enclosed with this communication, you will find the necessary documentation to support the removal of inaccuracies associated with the following items from my credit report : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$920.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00}
Product: Vehicle loan or lease

It started from I made a reservation at a Hotel on XX/XX/2023, and the check-out date was XX/XX/2023, but for no reason did the hotel owner get rude to me and harassed me by towing my truck on the night of XX/XX/XXXX while I still have the reservation for that day. A week later, Westlake Financial emailed me that they were trying to impound the truck. I did not know the purpose of doing that or how Westlake Financial knew about the incident, so I remained quiet. I filed a civil complaint with The General Attorney 's office of Virginia because I thought only the harassment from the hotel XXXX in XXXX, XXXX Last week I received a letter from Westlake Financial stating The truck is under repossession and will sale in XXXX and added {$1600.00} to the balance on m account. My truck is full of inventories that cost over {$25000.00}. Westlake never disclosed. I called Westlake Financial and got the answer I owed them {$300.00} was the reason for repossessing. The repossession is illegal ; I never owe them anything. I made payments on time on XX/XX/2023 the payment was made, but the truck got towed on XX/XX/2023, and on XX/XX/2023, I still made a payment. The account online shows the next due date is XX/XX/2023. What reason to repossess my truck? The way Westlake Financial did to my account, it seem like the transaction they knew since the beginning of the incident, none of investigation or questions to me, but put it directed to the plan they had set up. I think three companies, XXXX  XXXX Hotel in XXXX, VA, XXXX XXXX XXXX, and Westlake Finacial, had a conspiracy to commit this crime by trying to exercise the legal authority they thought they had in hand. It was a robbery with a plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Credit reporting or other personal consumer reports

I hope this message finds you well. As we embark on this attempt to address this matter, it is crucial to underscore the significant impact that these fraudulent items have on my financial well-being and creditworthiness. Their presence not only tarnishes my credit history but also poses serious challenges for my access to credit and financial opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

I understand that addressing such issues XXXX require extensive effort and resources, but I urge you to handle this matter with the utmost diligence and attention it deserves. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 debits listed that continue to change listing dates. Two of them in the amount of {$19000.00} and {$1100.00} where acquired XX/XX/XXXX and are listed on my credit report as opening a second time in XX/XX/XXXX. I have another two for XXXX XXXX that where acquired at the same time in XXXX yet they have been relisted as XXXX and XXXX.The last one that is incorrect is the nationwide recovery for the amount of {$260.00}. It is listed with a date of XXXX. I have not been seen by this hospital since XXXX. So the date should be from XXXX not XXXX. When the debits come close to the 7 year mark they are taken off and then relisted. Just as the one For {$19000.00} it was listed in XXXX and now again in XXXX. The ambulance one from XXXX for the amount of {$1100.00} was listed the same day as the {$19000.00} and its date has not changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if the credit bureaus is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and nothing is being done by XXXX XXXX   or Equifax. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus along with a picture ID from me so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that cfpb steps in and ensure that the credit bureaus does what's is right under the law.
Product: Student loan

I have XXXX private student loans ( $ XXXX+ ) with Navient, formally XXXX XXXX from when I attended XXXX XXXX Universities XXXX Program. Nearly a XXXX ago I had to nearly default on the loan to get into a reduced rate program. While in that program my rates where reduced to 1 % and after tabulating my income ( family of XXXX, wife XXXX ) and expenses they determined the best payment I could get was {$310.00} a month with was 95 % of my discretionary income. To contrast I have an equal amount in Federal Student loans and my Income based repayment is {$31.00} a month! This program I am in has to be recalculated and I spent an hour today speaking with representatives at Navient XXXX XXXX XXXX, XXXX XXXX XXXX. And they told me that my interest rate would be increasing and that the BEST payment they could offer me is {$380.00} which is 117 % of my discretionary income!! My rent has gone up and my family of XXXX is living in a XXXX bedroom house! This is no way to live! I need help here!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I disputed this Account reporting on " Experian Credit Bureau '' mutiple times and this last time in XXXX 2022, in where I sent inaccurate/incomplete documents from the 3rd party collection agency ( XXXX ) to experian. Experian sent me a response letter saying, that the company which is " XXXX collection Company '' verified this account in which I requested all documents or proof showing this information but None to my avail. I'm gon na attached forms sent to me from ( XXXX ) of proof of debt and signature and also, my letter I sent to Experian after mutiple attempts of disputing. If this document is the original contract why is these things are incomplete and wrong, No complete address, NJ instead of Pa ( state ), s.s # incomplete, not my signature, credit card type not checked, unrecognized card infomation. Where this was these original documents generated from is suspicious.
Product: Checking or savings account

On XX/XX/2020 I wrote two checks. Check # XXXX was to XXXX XXXX {$460.00} - Check # XXXX was to XXXX XXXX XXXX {$670.00}. Both checks were cashed by the above parties via their telephone banking. No problem. 

On XX/XX/2020 Check # XXXX was presented for payment again with Bank of America and it was cashed in the amount of {$940.00}. The payee was altered as was the date and the amount of the check. My signature was not altered nor was the memo on the original check. 

On XX/XX/2020 Check # XXXX was presented for payment again with Bank of America and it was cashed in the amount of {$940.00}. The payee was altered as was the date and the amount of the check. My signature was not altered nor was the memo on the original check. 

I have tried several times to get this resolved with B of A, multiple calls to the fraud center and visits to the local branch. They asked for documentation and I sent it to them. The communication is one way with B of A. They will not follow up on documents sent and offer no assistance. They refused to contact me and tell me there may have been errors in their company generated form so they took a total of {$1800.00} out of my small business account on XXXX. As of today they said the case was closed. 

I have spent hours talking to the B of A fraud dept about this but they refuse to cooperate and communicate so this can be resolved. I filed a police report within 48 hours of the checks being detected as fraud back in late XX/XX/2020. 

I maintain that I have done nothing wrong. It is a problem with B of A 's software that allows for duplicate check numbers to be cashed. Banks simply are not supposed to cash the same check number twice. Bank of America refuses to take responsibility and wants me to indemnify them for their loss. 

Basically B of A has stolen {$1800.00} from my account. I have attached copies of the checks in question. You can see the check numbers are the same yet B of A cashed them TWICE. This is a case of obvious fraud and I am a victim by both the fraudster and now B of A has decided to victimize me.
Product: Credit reporting or other personal consumer reports

Dear Equifax Support Team, I am writing to formally dispute XXXX fraudulent accounts that have appeared on my credit report. Despite numerous calls to your support team and completing the necessary verification processes, I am still unable to access my credit report. 

Please find my details below : - Confirmation Number : ** XXXX - XXXX XXXX : XXXX - Disputed Accounts : ** XXXX fraudulent accounts - Email : XXXX - XXXX - User Name : XXXX I request your immediate attention to resolve this issue and grant me access to my credit report. 

Thank you for your assistance. 

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

XXXX XXXX XXXX XXXX {$560.00} sent to the wrong recipient on Cashapp. I sent {$560.00} to the wrong recipient on Cashapp, the money was for my car payment. I emailed cashapp and they told me they couldn't do anything about the money that it was just lost money and I wouldn't get it back. I tried everything even contacted my bank and no luck getting the money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX SSN : XXXX LVNV FUNDING po box XXXX XXXX, SC XXXX XX/XX/year> To Whom This May Concern, I am writing this letter to formally address and dispute inaccuracies within my credit report, as reported by your agency. The misrepresented information is not only hindering my ability to secure credit but is also adversely impacting my financial stability and tarnishing my creditworthiness.

Enclosed with this correspondence, you will find comprehensive details pertaining to the disputed account, including all necessary personal information to facilitate a swift resolution. In accordance with the provisions outlined in 15 US Section 1681i of the Fair Credit Reporting Act, I am formally requesting an investigation into these items. I kindly request that you furnish proof of these discrepancies, specifically the contract documentation bearing my signature. In the absence of such evidence, I urge you to promptly update the record to reflect " PAID IN FULL/AS AGREED '' or expeditiously remove this item from my credit report.

The inaccurately reported item, identified as follows, is a critical error that requires immediate attention : LVNV FUNDING LLC & XXXX Despite being classified as a collection/charged-off account on my credit report, I have not received a 1099C for this charged-off debt. I request the issuance of a 1099C to accurately denote this as a charge-off for tax purposes and request an update to my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I am aware that these discrepancies may appear minor, but they carry significant consequences when it comes to major life decisions such as securing a home, obtaining a vehicle, seeking a business loan, or even gaining employment. I respectfully request an expedited resolution to this matter.

Your immediate attention to this issue is greatly appreciated. Thank you for your prompt assistance in rectifying these discrepancies. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regard multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of chargers and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices were unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX REMOVAL BELOW Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To XXXX XXXX XXXX concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section XXXX ( a ) ( XXXX ). 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX Made by your company XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XX/XX/XXXX Made by your company SYNCB/LOWES on XXXX XXXX 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX XXXX. 

Made by your company XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX ) XX/XX/XXXX Made by your company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Made by your company XXXX ( Bank ) XX/XX/XXXX Late payments ACCOUNTS : Need removed BELOW. 

XXXX XXXX I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 XXXX XXXX  with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX with account number XXXX Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct these incorrect information kept getting ignored and I had enough. This has affected all aspects of my life XXXX  ; it's taking a toll on my XXXX XXXX that I wouldn't even be able to afford help because of my low credit score due to these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX still refuses to report correct information to the credit bureaus. This was never a collection account, It was an auto loan. It was NEVER sent to collections but yet its on my 3 credit reports as a collection. They claim their information is correct but yet they still lack to report the correct information to the credit bureaus. XXXX XXXX needs to fix this and stop saying its being reported correctly because that is false. The credit bureaus wont fix it either even though I have proof its not a collection account. All I want is the truth that it was NOT a collection, it was an AUTO loan, paid correctly and on time since XX/XX/2020. It was paid in full as of XX/XX/2020 and closed. Please see attached documents. Thank you for helping, I am trying to buy a home for my family and this is sorely hindering it to be able to do this. The account is almost 7 years old as well.