23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen Loan # XXXX XXXX XXXX CA XXXX After giving us an approval letter with an approved net, Ocwen is now claiming they want a higher net. They will not tell us what that net is. Instead of giving us an answer, they are further delaying this short sale by claiming that the US Treasury is the one that determines their Net Present Value ( the definition of which make no sense in and of itself and Ocwen is refusing to explain to us. ) They are refusing to give any kind of timeframe that the underwriting team will be finished with its review, and that they refuse to respond to our phone calls and voicemails. We have to contact the Ombudsman 's office to get ANY response whatsoever from Ocwen. 

The US Treasury has NOTHING to do with this file. It is not government backed. 

WE ARE TIRED OF BEING LIED TO -- -- -- -- -- -- this file is a private pooled group of investors and Ocwen is DELEGATED to make all decisions on the file.
Product: Mortgage

BSI Financial purchased our mortgage in XX/XX/XXXX. We learned about it from our previous mortgage company. I called BSI on XX/XX/XXXX to get information to make our payment, and was told the loan wasn't set up yet and to call back in 5 days. I called in XX/XX/XXXX, and was told they had no information about our mortgage and to call back. I called again on XX/XX/XXXX, and received the same call back request. I called a 4th time on XX/XX/XXXX and got to loan number and information on how to set up an account online. I thought everything was set after that, but we received a notice in XX/XX/XXXX that BSI didn't show we're had homeowners insurance. I called and gave them the policy information, and they indicated they'd pay it. We received a letter from our insurance company in XX/XX/XXXX that our insurance hasn't been paid. I called BSI again on XX/XX/XXXX, and they started they had no record of me calling in XXXX or that we had insurance. I have them the information again, including the insurance company name and phone number as well as the policy number. They said it would be paid the following business day. I just received another letter dated XX/XX/XXXX from BSI stating we don't have homeowners insurance.
Product: Debt collection

please call or email me XXXX or JXXXX my husband is a veteran who took out a XXXX XXXX XXXX in 2005 to buy army gear then was XXXX shortly.
Product: Consumer Loan

Western Sky Financial originated a loan for me for {$2600.00} at a rediculous 119 percent interest rate. After I regrettably and stupidly accepted it I received notice from XXXX that they had purchased the loan from XXXX XXXX and they would now be servicing the loan. They had to have my bank information to acquire payment. I agreed and shortly after that received yet another notice from Delbert Services explaining that they were now servicing my loan. After researching the situation I found that all three of these companies were in court in multiple states and were illegally providing loans. I informed Delbert Services that I had paid back the full amount I hsd borrowed as well as about {$1200.00} in interest. In light of these findings I was considering the account paid in full and they were to cease and desist immediately. Instead, they harassed with letters and phone calls for months. Finally, the harassing ended, or so I thought. After a few month hiatus I receive a call from Delbert Services stating that I owe {$2500.00} but I can settle with a one time {$1600.00} payment. 
I have since closed the account that they had the information to and have discovered that they have negatively reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : [ Report Number ] ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : Collections and Charge-off Accounts : ACCOUNT NUMBER AND FRAUDULENT INQUIRIES : DATE OPENED XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$620.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$590.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX o Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX  XXXX o Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$460.00} o Status : Derogatory ( Charge-off ) Fraudulent Inquiries : XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Auto Dealers, XXXX - XX/XX/XXXX XXXX. XXXX Commercial  Banks - XX/XX/XXXX XXXX. XXXX XXXX Bank Credit Cards - XX/XX/XXXX XXXX. XXXX Personal Loan Companies - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that my report no longer contains any fraudulent information. I have called the bureau several times reporting these fraudulent accounts on my report, and XXXX has not wanted to give me a solution to this problem, which has severely affected my ability to acquire a new house for my children. These collections were removed and not verified by other bureaus. I do not understand how you can say that these accounts are mine, so I demand that you send me all the documentation proving that this information is accurate. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX, Experian and XXXX after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts. I included this in my last request and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}
Product: Credit card

Hello! Excitedly, near XX/XX/XXXX, at the invitation of American Express, I applied, and was approved, for an American Express Gold Card to participate in their Rewards Points Bonus Program which provides XXXX Rewards Points for spending $ XXXX within 6 months, plus XXXX XXXX  for XXXX XXXX spend categories, and XXXX Points for $ XXXX spend within 6 months on a second card, for a total of XXXX Reward Points. 

While the spend amount was high ( {$21000.00}! ), I dutifully met and exceeded charging {$22000.00} to the card by exactly XX/XX/XXXX, for which ( according to AMEX 's terms ) I will receive XXXX Rewards Points. 

But AMEX doesn't make it that simple or fair. Even though I clearly met the spend requirement, come to find out, AMEX has a self-serving ( anti-consumer ) behavior of XXXX deducting any and all returns from my spend amount ( including past the bonus offer 's XXXX months period ), while at the same time, completely disregarding any additional purchases I made past the bonus offer 's XXXX months, which is completely one-sided, favoring them, of course. All of this to seriously cheat me out of the Rewards Bonus they promised and I achieved by making enormous financial sacrifices! 

Given the large amount {$22000.00} that I spent on the card, it's completely natural and expected for there be some immaterial returns, and there were, about {$500.00}, but after the XXXX months bonus offer had already *passed*. If the {$500.00} spend is so important to AMEX, I'm more than happy to cover the XXXX offer returns amount with additional charges, although I have loyally continued to put charges on the card, including past the initial bonus offer six months. 

AMEX is trying to have their XXXX XXXX XXXX XXXX XXXX, by forever deducting returns, while selfishly ignoring additional purchases, and then harshly punishing customers, which is ironic, because their very aggressive sales people have no problem picking up a phone to push their cards, hard. The same can't be said for they way they continue to treat customers, as I am experiencing. 

Milestones : XX/XX/XXXX : Approved for card. 
By XX/XX/XXXX : Spent {$22000.00} on card. 
XX/XX/XXXX : Satisfied Rewards Points Bonus Offer Spend Requirement. 
XX/XX/XXXX : Waiting to Receive XXXX Rewards Points... 

Thanks for looking into this! I'm looking forward to to receiving my hard earned points. Please let me know if you want any additional details from me. 

All my best and Happy Holidays!! : - ) Attachment : AMEX Credit Card Transactions Showing Bonus Spend Requirement Satisfied XX/XX/XXXX - XX/XX/XXXX.
Product: Credit card

Wells Fargo special interest free credit cards. XXXX problems with paying the card. 
1. When doing a monthly payment, one can not put in cents. This is a problem due to not being able to take the payment and dividing it by XXXX. One needs to calculate the first payment to include the cents of future payments because there web site can not handle cents on monthly payments. 

2. This is the most egregious. When setting up a monthly payment one can not set an end date. Thus, a year from setting this up, one needs to remember to cancel the monthly payment, else they will continue to take withdrawals. You then need to request that they refund your overpayment. 

3. Their web site is unaware of payments and will not allow monthly payments until current payments are processed. It took three days for me. This was annoying because I needed to continue coming back to the site so I could do monthly payment. 

4. Although the contact people were pleasant, they were hampered by the web site being poorly set up with restrictions that there was no solution to.
Product: Credit card or prepaid card

Lost card when I had an account with them sent bank memo and police report advising of such. Post dated autopsy enrolled resulting in returned payment. 

They closed my account then advised they would be reopening. After months i continued to go back and fourth with every rep offering a different answer. 

I was advised allow 30 days that never happened. Then after months of following up instructed to reapply contrary to what I was informed by over 8 reps. I was advised I was blacklisted by a special department and transferred to the office of the President.

The condescending representative from the office of the President stated she has no idea why my account was flagged as payments were kept up and the account paid off it should be removed she would have removed but they would not reopen Then they refuse to remove and have blacklisted me for life she stated. What kind of service are you running are you serious?
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX TransUnion, XXXX & XXXX XXXX : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Items listed above have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX KY XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX - XXXX XXXX XXXX XXXX, KY XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Remove Fraudulent Accounts listed below : - XXXX XXXX XXXX ( XXXX ) Opened : XX/XX/XXXX, Closed account - XXXX ( XXXX ) Opened : XX/XX/XXXX, Balance : {$7400.00}, Payment status : Collection/Chargeoff - XXXX ( XXXX ) Opened : XX/XX/XXXX, Balance : {$0.00}, Payment Status : Collection/Chargeoff - XXXX ( XXXX ) Opened : XX/XX/XXXX, Balance : {$130.00}, Payment Status : Collection/Chargeoff - XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) ( XXXX ), Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX Status Collection/Chargeoff - XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX ), Opened XXXX XX/XX/XXXX, Payment Status : Collection/Chargeoff, Balance : {$2400.00} - XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) ( XXXX ), Opened : XX/XX/XXXX, Payment Status : Collection/Chargeoff XXXX XXXX : {$630.00} Remove Fraudulent Inquiries listed below : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXXXXXX XXXX 
Account DATE : [ XX/XX/XXXX Reason : [ REMOVE 30 DAY LATE PAYMENT OR REMOVE ACCOUNT PLEASE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Honda Financial Services and American Honda Finance Corporation and XXXX. 

I understand that XXXX has some problems recently where they were incorrectly reporting a significant number of peoples XXXX accounts; thereby denying them credit or driving a credit score that drove their score down. 

I was denied credit by Honda Financial Services and American Honda Finance Corporation. My credit score with XXXX, at the time I applied for the loan was over 700. As the declination letter from American Honda describes my XXXX XXXX score of XXXX was the reason for declination. The difference between the score reported by XXXX and American Honda is a significant difference. XXXX also sent me a notice that they changed the recipe to develop my XXXX score. This sounds fishy as their score is the bedrock of the credit industry and they changed the recipe to cook a different brew of XXXX. 

I believe that XXXX reported my credit incorrectly and I want the CFPB to investigate this in lite of their changing their recipe and their failure to report correctly. 

The attached letter is a copy of what I sent to American Honda. This outlines my primary issue with American Honda and XXXX. American Honda Finance has not responded to my letter. 

Additionally, I also believe that American Honda has discriminated against me, violating my rights by using my age to lower my score on their non-published criteria. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA. XXXX
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, Cash 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 ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash 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: Debt collection

I called the number provided by Monarch Recovery Services indicating that a debt from XXXX XXXX XXXX for an account an address in XXXX, XXXX  ( a place that I do not live ) was associated with my name, birth date, and XXXX-based mobile phone number. I don't have any magazine subscriptions, and do not live in XXXX. Just because I have a common name does not mean I should be harrassed by companies like this who have TERRIBLE reviews with the XXXX XXXX XXXX for similar actions with many others.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and they must be addressed immediately. 

ACCOUNTS - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX  XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX  XXXX - XXXX  XXXX INQUIRIES- XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXXXXXX accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

These 3 personal loans XXXX, XXXX. XXXX were open fraudulently by XXXX and were sent to January Technologies for collection.

January Technologies never contacted me either via email/mail/phone to try to solve the issue but sent the accounts straight to collection causing and extremely negative impact on my credit reports and employment. 

I submitted a police report and a complaint with the Federal Trade Commission to XXXX ( credit report agency ) but nothing has been done about it.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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: Bank account or service

Over the past few months, Chase Bank has been in the practice of charging me insufficient funds fee over charges to my debit card and selected ACH transactions. At most times, the fees charged are over the amount disbursed by Chase Bank. I requested for a way out of the incessant charges and I was advised to choose the option that the bank would not honor any charge to my account if there are no sufficient funds to cover the transaction. This option was chosen between XXXX and XXXX 2015. ( Ca n't remember the specifics ) On the XXXX XXXX 2015, I saw XXXX charges of {$34.00} each for XXXX transactions of {$10.00} and {$6.00} each. I called the bank to have them reverse the charges on the basis that:1. I have chosen the option they offered to me not have any charge honored if there is no sufficient funds to cover it. 
2. As at the time I made those transactions, my account was in credit. 
I contacted the bank and they declined to reverse the charges, instead they went ahead to add another {$15.00} charge as extended overdraft fee. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX, # XXXX us debt of EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX, # XXXX XXXX XXXX, # XXXX us dept ed, # XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have the rights 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 did not consent to, nor benefit from, or authorize any of the following accounts : US DEP OF ED/XXXX  XX/XX/XXXX {$54000.00} US DEP OF ED/XXXX  XX/XX/XXXX {$4100.00}