23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello my name is XXXX XXXX  
My OCWEN acct number is XXXX & XXXX This house I purchased XX/XX/XXXX when I was not making money but I was approved to buy a house and without any down payment or cost fee I was sold a house that also was structural damaged has foundation problems at that time as a buyer I was not protected by the law it wasnt require to bring and engineer or an inspector to approved the loan base in the condition of the house. Now that Im in the other side I want to sell it and now there is more protections for the buyers. I need help Im begging for help and I really hope I can get some help. For more then 12 yeas I have paying 2 mortgages one with 10% and the other one almost 8% I need you to help me to put it only in one loan and make it affordable to pay the mortgage we are a low income family trying to make it. Now with my wife ill Im the only income. Help us please I beg you. I really want to avoid foreclosure and ocwen doesnt work with us.

Sent from my XXXX

Sent from my XXXX

On XX/XX/XXXX, at XXXX XXXX, CFPB  wrote:

CFPB Header 

Your complaint has been sent to the company.

XX/XX/XXXX
Hello,
Thank you for your complaint XXXX about OCWEN. We've sent your complaint to the company for their response.
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint.
You should receive a status update within the next 15 days.
The complaint process involves 6 steps. Step 1 is complaint submitted. Step 2 is review and route. Step 3 is company review and response. Step 4 is complaint closed and published. Step 5 is consumer reviews response. Step 6 is analyze and report. Step 2: Review and Route is currently selected.
Summary of your complaint
Complaint number: XXXX
Date submitted to CFPB: XX/XX/XXXX
Date sent to company: XX/XX/XXXX
Product: Mortgage
Issue: Struggling to pay mortgage

What happens next?
Here's what will happen during the next 15 to 60 days:
The company has 15 days to respond and up to 60 days to provide a final response.
You can keep up to date by logging in to your Consumer Portal at https://portal.consumerfinance.gov/consumer or calling us at (XXXX) XXXX.

Thank you,
Consumer Financial Protection Bureau
consumerfinance.gov
(XXXX) XXXX XXXX XXXX
More about our complaint process: consumerfinance.gov/complaint/ or call (XXXX) XXXX
For legal assistance visit the Legal Services Corporation website: lsc.gov
Additional financial information and resources: consumerfinance.gov
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for its continued violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Despite my repeated attempts to dispute inaccurate information on my credit report from the latest credit report, Equifax has failed to comply with its legal obligations to investigate and correct any errors in a timely and fair manner.

I have sent multiple dispute letters, contacted Equifax by phone, and filed several CFPB complaints, yet I have not received an updated credit report via mail as required by the FCRA. Additionally, I am unable to access my Equifax credit report online, both through Equifaxs website and XXXX. This has significantly hindered my ability to review and verify my credit information. 

Instead of properly addressing my disputes, Equifax has engaged in stall tactics by repeatedly requesting identification documents that I have already submitted. Furthermore, the letters Equifax has sent contradict their own requests, as they claim my name has been changed multiple times, creating unnecessary confusion and delay.
Product: Student loan

MY PROBLEM IS WITH XXXXXXXX XXXX IN XXXX. I WITHDREW FROM THE SCHOOL, BECAUSE THE STAFF WERE HARASSING ME. THE SCHOOL KEPT MY STUDENT LOAN AND REFUSES TO RETURN THE MONEY TO ME OR THE STUDENT LOAN SERVICER. XXXX XXXXXXXX XXXX XXXXXXXX!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> someone fraudulently opened an account with Chime. They in turn conducted an inquiry withe the credit bureau and issued a visa debt card. I became aware the same day and called them the cancel everything that had to do with my name, social security, etc. They said they did but could not provide proof. On XX/XX/year>, I receive the card in the mail and called back. They said they account was closed ( again..no proof ). I requested that they reverse their inquiry with the credit bureau as it affects my credit score, and was advised by the bureau that it needed to be done. After much discussion, I was advised, it is not their policy to reverse inquiries and they refused to do it.
Product: Debt collection

I disputed a Collection Account with Portfolio Recovery that they say they sent me a letter in 2015 advising me of this debt, I would like a copy of the contract that I am suppose to have with XXXX  XXXX in reference to this invalid debt. Portfolio has not provided me with anything but a 6 year old collection letter fro XXXX XXXX, which I also did not receive from them. I would like a copy of the agreement that is authorizing Portfolio Recovery to collect this account and a copy of the documentation showing this account was sold to them and how much they paid.If the original creditor sold a debt to a collection agency, they also wrote off your debt on their taxes which wrote off your obligation to pay. As I still dispute this debt, and Portfolio can not get the documentation required to Validate and or verify this debt, and send me copies of such information, if the debt was mine, I still would not pay it as it does not exist, so why would I pay a debt that can not be proven?
Product: Money transfer, virtual currency, or money service

on XX/XX/year> i purchased an item off of XXXX XXXX, using Zelle.. it turned out to be a scam and the buyer was no longer on facebook nor was the Zelle account they used still there. I contacted XXXX XXXX  about the scam and after opening a investigation, i was informed that they would not do anything about it that the {$270.00} I sent to a scammer was gone and they would not cover it nor do anything else. I say the article in the news today and I wanted to be included in that complaint against Zelle for the non existent consumer protection that they offer.. I will never use that platform again. I do not have that problem with XXXX or XXXX Yes it would be nice to have my money returned to me or even a portion but more than anything I am pleased to see that someone is investigating this issue. Banks have so much latitude with your money. 

Thank You
Product: Credit reporting or other personal consumer reports

I found multiple errors on my TransUnion credit report that need immediate correction. My name is inaccurately reported as " XXXX XXXX '' and " XXXX, XXXX, XXXX, '' but the correct name is " XXXX XXXX XXXX XXXX XXXX. '' My address is also incorrect, listed as " XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, '' when it should be " XXXX XXXX XXXX, XXXX, NJ XXXX. '' Additionally, my employer is wrongly reported as " XXXX XXXX '' and " XXXX, '' but the correct employer is " XXXX XXXX XXXX. '' These inaccuracies violate the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ), which requires accurate information. I request immediate corrections to my name, address, and employer details, along with written confirmation once the updates are made.
Product: Debt collection

XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Debt collection

Credence calls me once a day Monday through Saturday. Sometimes like today they call me twice. The numbers are from different area codes. 

They are trying to collect a medical debt from 3 years ago. I was not aware the this bill. 

When I spoke to them I was confused to why this is coming into line when I thought it was dealt when the original company got the current date of birth for my child to where they can bill it correctly to my insurance. They told me if I dont pay it will affect my credit score.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, C ash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I have been trying to arrange an income based repayment plan since XXXX of this year yet nothing is processed. I continue to get delinquency letters, my interest is piling up, when I call I talk to different people who see that I have applied but no action has been taken. My last contact indicated that I should wait about 3 weeks for a bill to arrive for {$5.00} which I should pay, then my program will start. Nothing is arriving except multiple delinquency notices. I tried to set up direct debit so I could make automatic payments and a notice arrived that the entire past due payment will be taken out of my account! I had to go to my bank to set up an alert so the payment will not be processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX all of them online collections gravel are account resolution services XXXX XXXX XXXX XXXX filed to the ftc
Product: Vehicle loan or lease

I obtained a lease thru XXXX XXXX XXXX, XXXX. Was told payments were monthly when they were actually bi-weekly. I called XXXX and they advised that could n't be changed. After purchase, advised the salesman of numerous problems with vehicle. I was advised lease as is and nothing will be done about them. I went to a manager and requested a review or lower price due to problems. Manager said would only address XXXX problem ( rubbing noise in front right tire area ). Issue was looked at twice and never repaired. Made payments on time. Numerours times I requested a balance and/or statement, was told they do n't have ability to pull up?? Lost job XXXX XXXX due to company closing. Called XXXX, they advised there is no assistance on leases and have to pick up vehicle. Struggled to make payments. Made payments on time until XXXX XXXX. Called XXXX XXXX, XXXX and advised need assistance. Was told loan is now with Bridgecrest ( no communication on this until tried to make a payment ) They just requested job and phone and again said could n't help. Made payments XXXX a month. XXXX XXXX, XXXX car was repossessed. I called to ask why as I was never called, emailed or sent mail to advise of possibility of repo. Rep advised have n't received payment in 2 months when last payment received was XXXX/XXXX/XXXX. I asked to speak with a manager several times XXXX XXXX, XXXX and was denied.
Product: Credit reporting or other personal consumer reports

In correct information is on my credit reports under acts law ... ... list of companies is on my reports... .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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert saying a new credit inquiry was noticed on my XXXX report, when I looked into it, it appears to be a new account opening inquiry from Bank of America. I did not initiate anything new, so I am assuming this is a fraudulent activity which could be a result of identify theft. I did call XXXX and have added alert monitoring and will be XXXX Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm a natural woman submitting this complaint on the behalf of myself without any third-party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, XXXX, Equifax and XXXX is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX 3 ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX at least 6 times since my XXXX XXXX Bankruptcy to accurately report the information on my XXXX XXXX account. I have called, filed disputes, and sent letters and they are still reporting different information in different areas. On one spot of the report it says the account was over 90 days lateon another spot it says never late. On another spot it says nothing. One area still shows a balance when it should say {$0.00} since it is included in a BANKRUPTCY! At this point, if they can not fix this account, they just need to delete it. They have caused me so many issues with my background check in trying to get a federal job, and a new apartment due to this account reporting the wrong information even though it is included in my Bankruptcy and being taken care of. This is my last resort to have them either fix my credit report or take the account off because I have tried everything at this point. 




This second part is for Equifax which was sent through the mail : I have disputed this account several times, and contacted you all numerous times, and you all will not fix it. The next step is going to be a lawsuit if this is not taken care of. 

Fix the XXXX XXXX. Installment account, immediately. You all keep reporting inaccurate information which has caused me many issues regarding background checks while trying to get a new job among other things.

In one area, it reports a first delinquent date of XX/XX/2020. In another area it says XXXX was 60 days late. It also says XX/XX/2020 was the last payment date but has XXXX selected as the last payment date. WHY IS NONE OF THIS ACCURATE??? Too many discrepancies. 

Either way, this account WAS NEVER 120 days past due. EVER. No other credit report has ever shown anything like this except you all and I dont know where you got the inaccurate information from but again, I will contact an attorney, and the XXXX if it is not fixed after this letter.
Product: Mortgage

My wife fell victim to a predatory loan on XX/XX/XXXX. She had XXXX XXXX and I was in the hospital when she signed the papers. I was horrified to see what had taken place when I came out. Now she is in assisted living and I am trying to work with Ocwen Loan Servicing, LLC as they are our new loan servicers as of XX/XX/XXXX. They refuse to work with me as I am not on the note. However my wife is not living here anymore and I built this house before I even got married! Please ask them to help me. I now am scheduled for a sherriff 's sale on XX/XX/XXXX in XXXX County NJ. I want to make payments and become current again with a new loan modification and new terms. This loan is a farce as it is interest- only and nobody in thiier right mind would have signed for it. Please help me
Product: Credit card

I signed an agreement with a moving broker and paid a deposit of {$3600.00}. The agreement says that the move cost {$8900.00} if the inventory is truthfully submitted and no additional services are purchased. On the day of the move the moving company came to my house and told me they wanted {$5000.00} more to carry out the move. I showed them the agreement and the bidning estimate and refused. They stated that this was not considered a valid estimate to them, only the XXXX would make the determination how much the move really cost. I refused to pay and considered our agreement invalid, as there was no wrongdoing on my end, the inventory was correct. I requested to return my deposit, which they refused, based on the contract ( that I consider invalid as they did not honor the agreement ) I reversed the charges for the depoit on my credit card and explained the situation to Chas Bank, the credit card issuer. Chase Bank considered the charges against my proof and documents as valid and allowed the merchant to keep the deposit, based on their interpretation that the agreement was vaild. A little reserach shows hundreds of complaints against the same merchant for the same reason.
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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( 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 XX/XX/XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My aunt passed away in XXXX of XXXX and left me as the the executor to her estate. Being unfamiliar with the process of obtaining her possessions, I hired a probate attorney to handle the estate and am still waiting for the orders to be signed by the judge. 

On XX/XX/XXXX, I received my first phone call from XXXX XXXX, an employee of Mechanics Bank. He was trying to obtain information regarding the auto loan balance on my aunt 's vehicle. He called both me and my brother multiple times in the following two weeks. Our lawyer advised us not to communicate with him as everything was still in the probate process, however, my wife decided to call him back on Wednesday, XX/XX/XXXX to access the situation. 

XXXX asked her what our intentions were with the car. My wife communicated that we would like to pay off the balance and keep the car. He said that she needed to send him the death certificate and will, stating me as the executor to her estate, and then he would be able to disclose how much is owed and we could pay off the balance. My wife immediately sent an email with requested documents and we waited to hear back. 

Two days later, the car was repossessed in XXXX, IL, either late Thursday, XX/XX/XXXX or early Friday, XX/XX/XXXX. Upon discovery of missing vehicle, we contacted XXXX XXXX who informed us that, yes, the car was repossessed. Both me and my wife spent the entire day on Friday, XX/XX/XXXX, communicating with different employees, managers, and supervisors of Mechanics Bank. We received multiple different explanations as to why this happened and heard a lot of " our hands are tied ''. They would not disclose where the car was, or how we could obtain our possessions from the vehicle, or how we could pay off the balance and get the car back in our possession. They lied and screened our calls and bounced us from one person to the next, up until the office closed and it was the weekend. This continued on Monday morning, XX/XX/XXXX, with the same result - nothing. 

We have requested a release to be sent to the company where the car is being stored so we can at least go and obtain personal belongings from the car. The company will not comply. We have requested to pay off the balance and get the car back. The company will not comply. They have both the death certificate and the will, yet will not allow me to move forward. We are worried that they will sell the car or have already sold the car. We need answers and honesty and we are getting neither.
Product: Debt collection

On XX/XX/XXXX my bank account was charged XXXX as a bank levy for a debt that is not mine. It turned out to be my wifes old bill from 20 years ago even before we met. Also, the income I have going into that account is solely mine and from XXXX only, I am in the process of fighting this but any help would be appreciated, I also want my money back. 
In regards to the debt, I cant say whether its owed or not, its 20 years old and we have never received any communication regarding the debt what so ever. It is not on our credit reports and the supposed original creditor has never said anything about it for 20 years, and we`ve been using them the whole time? Please help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a XXXX XXXX XXXX in my credit report for the last 3 yrs. and has been showing as an unpaid debt. The XXXX submitted a no-fault car insurance claim to my insurance incorrectly : wrong amount and wrong medical billing codes. As a result, my credit has been negatively impacted - I have been trying to refinance my mortage as stated in my divorce papers. 

I was in a XXXX XXXX  in early XXXX, I went to XXXX XXXX in XXXX, NY to be checked and submitted all required no-fault claim paperwork to both hospital and my insurance company. 

It has taken me 2 yrs. to get this corrected, and still, the negative history is part of my credit history. 

I have made countless calls to XXXX XXXX XXXX XXXX and XXXX - however, all they could site was " collections laws '' and that they had nothing to do with the claim nor had any idea of how to " remove this '' from my credit history. 

The attached letter was received from them on XX/XX/XXXX, and still, my credit report shows this debt -- appears on my three ( 3 ) credit bureaus as " old unpaid medical debt ''