23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company CBE Group ( I only know the name of the company as I called the number back ) calls 6 times a day from XXXX different numbers. If I answer they hang up, if I do not answer they wo n't leave a message. Finally they called and some one actually spoke. He never indetified himself or the company he was calling from. They wanted me to give them my address, social and birthdate. I did not give the information. I asked several times what this was in reference to, they said they would not tell me unless I gave the above information. XXXX XXXX XXXX and XXXX XXXX XXXX are the numbers they call from.
Product: Debt collection

In XXXX, Comenity Bank called my sister-in-law of whom I have not spoke with in about XXXX  years and whom I do not communicate with about my debt and that I signed her up as a guarantor with my debt and that she was to pay it. This angers me because I have not spoke with these people in XXXX  years due to issues in our family and they dont need to know my business ever!!!
Product: Credit reporting or other personal consumer reports

Hello, My complaint is in regards to Grain Technology, this is the second time Ive had an issue with them. See prior complaint. I received a message from XXXX ( XXXX ) that my credit score had tanked XXXX points. I checked my report and it was Grain Technology that reported me 30 days late. My account was paid off in XXXX XXXX XXXX, therefore I didnt have a balance. I received a text text message that said I had a balance of XXXX cents and that it was late. Mind you, I paid off my account in XXXXXXXX XXXX XXXX  to a XXXX  balance. I called Grain with the number provided on their website several time, no answer. I sent messages via XXXX, no response and I emailed for the last couple of days and still no answer. I also noticed they deducted XXXX out of my bank account. This is insane. I really need assistance with getting my credit update to never late, as I have never been late and this account was paid off in XXXX. This company should be shut down for their fraudulent activities. They are ruining consumers lives with the way they handle their past customers and Im sure current ones as well. Please assist.
Product: Mortgage

I applied for a refinance in early XXXX. I submitted all relevant docs, signed disclosures, and locked in a rate. The company was bought out in XXXX. I was told that I had to start the process over and has to resubmit docs. I was also told my rate would not change. Since then there had been little communication. A few weeks ago I was told my loan was going to underwriting and it would take a few days. I email daily for updates with minimal response. I still have no close date. I was also told that my loan was being handed over to another department for next steps. The loan officer could not tell me the name of the person who was taking over my loan. I dont know whos in charge of my loan or where I am in the process. I am unable to spend my money in my back account and this has been holding up various projects as well as a car lease that I need to pay off. I have lost all confidence in my mortgage team. I am also increasingly concerned that after all time someone has lost my loan.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida sold my count to Aragon agency. When I was admitted to the hospital I didn't know they didn't put in my fire rescue with my bill. So now I have a collection on my credit report that I owe {$830.00} to Aragon agency. I will not pay this I will wait to 7 years but I think we should be taken off because I never gave them permission for Aragon agency.
Product: Debt collection

On XXXX XXXX, 2015 I was contacted by XXXX XXXX with Oracle Financial Group. He left a voicemail message on my cell phone with his contact information and a reference number, XXXX at XXXX XXXX.. I returned the call at XXXX XXXX. He stated that they were an arbitrary company for XXXX XXXX XXXX in regards to a debt I owe from XXXX XXXX. I asked him to send me a debt validation notice. He stated that XXXX XXXX XXXX does not communicate through mail so I would not get a validation notice from them. I told him that I would not proceed in further conversation unless I received a notice. He stated that it might take him a while but he would send verification of debt. I still have not received any proper notice of debt. Today, XXXX XXXX, 2015 I received an automated message. They identified themselves as OFG ( Oracle Financial Group ) LLC and the same reference as before, XXXX. They are in direct violation of the Fair Debt Collection Practice Act.
Product: Credit reporting or other personal consumer reports

Due to several infractions on the behalf of XXXX XXXX customer service and service quality, I spoke with the representative in order to vacate my account with XXXX without paying the remaining balances on my phone and final bill total. I had an extensive list of dissatisfactory issues with XXXX due to their company poorly communicating from XXXX department to the next, and the representative acknowledged it was abnormal to continue to have to deal with as many inconveniences as apaying customer. The fact that I am having to file this complaint is a direct illustration to how poorly the communication is from XXXX department to the next leading me to no longer want to be a XXXX customer. The representative you can hear in the recording agreed to eliminate my entire balance on my account of all my devices after I mailed in the XXXX XXXX. They sent me the return package and I mailed the watch almost immediately. Every time I call XXXX to gain information on the reference number that was affiliated with the closing of the account, I am constantly directed to only speak to a collections department, which they never attempt to assist me other than collecting a payment or my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has put information back on my credit report from XXXX, which is in accurate and falsely reflects that I had a late payment history with this company. I am attaching the supporting documentation I have already written an affidavit which stated that this was false reporting done by XXXX. Experian continues to report this false information which makes it fraudulent. 
I have attached copies of the billing which I requested from XXXX. This clearly shows that I had no minimum payment due, and no late payments. The account was closed in XX/XX/XXXX. They continued to hold the account on an open status after I was told that it was closed and they terminated their banking relationship with me. This is where it created the so-called late payment however, how could I make a payment for something that I wasnt even aware it was due? This is truly deceptive. Note that the statement with a due date of XX/XX/XXXX says XXXX balance and payments of {$4800.00} that was the last payment made as of XX/XX/XXXX. XXXX is also reporting this false information. I enclosed a copy of my XXXX report, which does not correlate to the billing from XXXX. This is false reporting. The XXXX report says the account was late from XX/XX/XXXX to XX/XX/XXXX, however that contradicts the billing furnished by XXXX. It also contradicts the date closed reported by XXXX of XX/XX/XXXX, and below that it says XXXX of XX/XX/XXXX! Clearly this is false.
Product: Mortgage

I have had a mortgage with OCWEN for the past ten years. I have had multiple problems with them as they constantly lie and destroy documents. They placed lender insurance once on me charging me XXXX XXXX of dollars in unnecessary additional insurance. I was able to solve the problem once a class action was started against them. Two months ago they suddenly reported me to the credit reporting agency saying that I had missed two payments. I disputed it stating that I was current. They stated that when my loan was transferred from OCWEN to PHH the loan was two months short and that when they audited my account in XX/XX/2019after they acquired the loan. First of all my loan was never transferred to anybody, as OCWEN bought PHH and just changed their name. They are the same company and they have all the records. They sent me a written report which shows that I paid every month, but they claim that regardless of their own report I needed to produce receipts of XXXX and XX/XX/2019 ( 12 months later ) to prove I paid in those months. It looks like they have made a mistake and they refuse to acknowledge such mistake. Since their processing is done abroad in countries where acknowledging a mistake is considered a sin, I believe that somebody has made a mistake and they can not admit they are wrong. 4 years ago an OCWEN insurance processing center in XXXX refused to acknowledge that I had an escrow account with Ocwen, when all the documents proved that I had. It took me then three months to straighten the mess by involving a US based loan manager which launched an internal investigation from the US headquarters into the XXXX office. US borrowers are paying a hefty price for Ocwen 's outsourcing their record keeping to countries where there is no understanding of basic accounting and where they are unable to read documents in XXXX due to their poor knowledge of the language. 
I was able to locate the XXXX receipt from my bank statements, but I can not locate my XXXX receipt because my husband changed its bank and did not keep the paper statement as they were all online. That notwithstanding, their own statement shows that a payment was entered in XXXX and credited it accordingly. This matter came about only in the Fall after my loan was " transferred '' to PHH.

OCWEN has a pattern of falsifying documents in order to defraud customers.They are now using the " transfer '' excuse to claim missing payments when there are none.
Product: Checking or savings account

I am a long time XXXX  customer, and opened a promotional rate XXXX XXXX XXXX ( ending in XXXX ) with them in XXXX. I funded the account immediately by transferring funds from my savings account. Shortly after I opened it, and still within the funding period that they indicated for the account, they increased the rate on this term XXXX. I requested that they apply the new higher rate to my account since it changed within the funding period. This only seems fair and right, and this was once their policy. I got the most frustrating runaround on this request, and eventually was denied or invited to close it with a penalty. I appealed this decision and asked for the matter to be escalated. Although I received numerous emails that said the matter was referred to the appropriate department and I would hear from them, I was never called or written back. All of my inquiries are documented within their secured email service. I continued to follow-up on this and most recently I was able to speak to a Supervisor XXXX XXXXXXXX XXXX XXXX XXXX who told me that my request for a rate change or penalty free withdrawal would not be honored. He suggested that I withdraw WITH PENALTY & reinvest a current rate, and calculated that I would actually be a little bit ahead in total earnings if I did so. Really? Nice interest expense back in XXXX  's pocket! An underlying problem is that XXXX  was constantly escalating rates while heavily promoting their " XXXX XXXX 's '', deceptively ( with advertising language like " hurry this rate won't last! '' ) locking depositors into rates below what XXXX  knew they would be increasing in XXXX weeks. I think this was an abuse of the consumer and a very bad faith practice by XXXX. But to my claim, after all of the personal time & frustration I experienced from this and all of XXXX  's broken promises and lack of care addressing my issue, I asked XXXX XXXX if he would discuss my matter with a higher authority ; I wanted to close that XXXX  with no penalty and agreed to simply deposit it back into my Savings account. He said he didn't think that would happen, but said he understood and agreed to make the case for me and call me back the next week. It has been XXXX weeks now and I have not heard from him. I called and left a message that has not been returned. Once again, XXXX  breaking promises to customers and providing awful service.
Product: Payday loan, title loan, or personal loan

I attempted to payoff my loan online as that is how I obtained it in the first place. I was not able to do so and instead was directed to contact the lender another way. I submitted a request immediately and did not receive a response until today. I am attaching the response as a pdf for review. I believe the tone and substance of the response speaks for itself.
Product: Vehicle loan or lease

XXXX XXXX keeps calling my number trying to locate someone that owes them money I 've already explained to them they 're calling the wrong number but they keep calling
Product: Debt collection

I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called Midland Funding via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.
Product: Debt collection

In 2017 I opened credit cards and used them to pay on a student loans. Shortly after I was let go from my place of employment because other employees said they didn't want me in the building with them and a mother complained I wasn't hugging her son enough during drop off. 

Because of the loss of work I was unable to make any payments on student loans, car loans and housing. 

Where my credit history shows I was making on time payments. 

It is now over 7 years sense I took on this debt to further my education a direct violation of The Individuals with Disabilities Education Act ( IDEA ) is a law that makes available a free appropriate public education to eligible children with disabilities throughout the nation and ensures special education and related services to those children. 

XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Capital One due to the ongoing issue with the reporting of a late payment on my account, number XXXX. 

Upon reviewing my recent credit report, I discovered an inaccuracy for the month of XX/XX/year>, indicating a 30-day late payment. To address this matter, I initiated communication with Capital One and spoke with a representative who assured me that corrective measures would be taken. Specifically, the representative confirmed that an update would be sent to the credit bureaus to remove the 30-day late payment from my record. 

However, to my concern, this correction has not been reflected in my credit report to date. The late payment is still visible, impacting my credit score adversely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX   XXXX {$1100.00} XXXX/XXXX  XXXX {$4000.00} XXXX XXXX/XXXX  XXXX {$580.00} XXXX  XXXX/XXXX XXXX {$2800.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX, XXXX, XXXX, XXXX XXXX {$3600.00} XXXX XXXX {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are on my XXXX report and i need them remove XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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: Credit reporting

The Public Record Information that the credit reporting agencies is reporting is inaccurate in its filing. The bankruptcy is dismissed by the Federal Court, a government agency. It is by the Federal Government that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization and I have a right to know who " verified ''. The agencies are holding my identity and credit under " Consumer Lock '' for 10 years, I want to know by what law? The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than XXXX times. XXXX 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 im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an hard credit inquiry that wasnt fraudulently placed on my Transunion credit report. I have been a victim of fraud before and have a fraud alert on all my credit files. Made several attempts to contact the issue XXXX XXXX XXXX. And still the inquiry remains.
Product: Credit card or prepaid card

After updating all credit card billing address was thought to be complete, come to find out one of my credit cards billing address information was not updated. Learning months after we had moved that the bill for that particular credit card was being sent to our old address and not being forwarded to the new one. This has caused my credit score to drop XXXX points in 60 days. They will not correct the issue ( over a {$100.00} charge ) and I've lost my XXXX credit score. Only way I found out is my credit union that I have started an account with sent me a notification. Very bummed with chase and their lack of communication with this issue! Will definitely be closing all my accounts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had a freeze on my credit Reports. 

On Monday XX/XX/XXXX, I was able to remove the freeze on the XXXX and XXXX reports. 

I have Not been able to remove the freeze on the Transunion account. 

I have called, emailed and spoke to representatives. 

I have still been unable to remove the freeze on the Transunion accounts of XX/XX/XXXX. 

Help please. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively. 
XXXX XXXX XXXX Repossessed no balance due! Account never fulfilled XXXX XXXX- Never Opened ( fraud ) XXXX XXXX- never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX- Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!