23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan is owned by OCWEN Loan Servicing. Ocwen 's CEO was criminally charged for inside trading and Ocwen purchased PHH Mortgage Services to hide from its bad reputation and place our account in care of XXXX XXXX on behalf of PHH. Ocwen removed from its statements or did not instruct PHH to include a detailed description of the Deferred Principal Balance or Balloon Payment. Ocwen 's statements depict my additional payments as credited to the " Deferred Principal Balance '' payment, which originally began at {$40000.00}. It is now at {$14000.00}. However, Ocwen through PHH now claims that I can not make said payments, ( after challenged ), it states that I can, but that it will not apply my payment as I request. Rather, it will apply it as it wishes and will be identified as Extra Principal, which is NOT the same as an extra payment toward the Baloon Payment. I have made numerous calls and spoken to Supervisors, I emailed the head of the Board of Supervisors and am waiting for a response. A series of changes have taken place. 1. First Ocwen credited my payment as I requested, 2. then after it purchased PHH , it did not. 3. Then after I complained and being told that I can not pay toward my Baloon Payment, it did but only for 2 months. 4. Ocwen/PHH again is not crediting my account as I request. 5. Ocwen/PHH refuses to provide a detailed statement to include my Principal Deferred Balance, Balloon Payment or as they identity if, my " 2nd loan ''. I spoke to a PHH Supervisor and am still waiting for confirmation of correction. I spoke to another Supervisor and I am told that Supervisor # 1 is new and doesn't know much. I am still waiting to hear from Supervisor # 2. Why am I being forced to spend so much time on a matter that should be on my statement? Ocwen/PHH is failing to provide me with an itemized detailed statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting companies are reporting addresses that are wrong that not mines they have some hard inquiries that I never did and the credit reporting company all three have incorrect information about my address and some closed accounts when I look at my credit report they have phone numbers on there that's not mine
Product: Vehicle loan or lease

60 DAYS AGO, TRANSUNION FAILED TO REMOVE THEM SEE ATTACHED
Product: Mortgage

Greetings, I have a VA loan on our home & property. We have refinanced twice before. As a result of Covid 19 & other issues, the rates went down again. We wanted to reinance for a lower rate. Nearing the end of the process, the mortgage company advised us that there was a title issue. I told them that this was a VA loan from the beginning. The first title company was with XXXX XXXX, now this the mortgage company, Sun West is using XXXX XXXX XXXX company.The mortgage company that XXXX XXXX XXXX had found issues with the title & would not complete the refinance, I contacted a manager with XXXX XXXX XXXX & he advised, after checking into it that there was no issue that he could find. I then contacted the XXXX XXXX tax office & they advised that the property was confirmed to be in our name and found no issues. I contacted Sun West Mortgage Co. again & told them what I learned. Sun West did not have a good reply & noted my complaint & said that they would investigate. this is what they replied to me : Here are a list of the issues title has brought up to us : XXXX XXXX XXXX is deceased. XXXX XXXX XXXX 's Will has been admitted to probate under Case or Docket Number XXXX in the Probate Court XXXX of XXXX XXXX, Texas. Company requires : a ) A copy of the Will and either : i ) Muniment of Title and/or any other orders affecting title to the subject property. 

b ) Satisfactory evidence, in accordance with Procedural Rule P-11 ( b ) ( 9 ), that state inheritance and federal estate taxes are paid, or will be paid. 



Upon review, Company reserves the right to make additional requirements and/or exceptions. 



We have been informed that this transaction involves an existing Manufactured Housing Unit to be conveyed with the real property. As a result, the following requirements apply : 1. Seller must obtain, in their own name, a Statement of Ownership and Location having designated the subject Manufactured Housing Unit as real property prior to closing the transaction.

2. The real property status must be perfected by filing a certified copy of the Statement of Ownership and Location in the real property records in Nueces County. A copy of the filed instrument must be returned to the Texas Department of Housing and Community Affairs.

3. Copies of the recorded Statement of Ownership and Location must be sent to the tax assessor-collector for the property. The Manufactured Housing Unit must be removed from the personal property tax roll and added to the real property tax roll as an improvement to the land.

I can't beleive there is an issue & I beleive that Sun West is not treating us fairly or professionaly. Please advise if this is something you guys can help with or directme to someone who can. Thank you
Product: Vehicle loan or lease

I was surprised by what I saw when reviewing my credit report, I saw a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe my payment to you were made on time like they have always been. My only thought that I never received a bill from you.
Product: Checking or savings account

Name change documents was sent in XXXX of XXXX  when I finally received my ID 's. I reached out to CashApp to see about changing my name on my card. for months i have sent several times the documents requested and to no avail, they still have not changed my name. I asked if they can close the account and reopen with new name, they said no because my SS is already in their system. They have yet to change it even when they said it was resolved.
Product: Credit card

Account ending in XXXX. I need past statements in pdf format from XXXX  2021 to present. I requested these via live chat on the banks website. I was told I needed to submit request via email which I did. No reply. Chatted again and now told I need to change subject in email to billing inquiry. Did this and received email back to call XXXX. I did this and the agent had no idea how to get me the statements but told me to call XXXX. I called this number and the agent put me back into the automated loop where I went to another agent. This went on XXXX times and I hung up because no agent knew how to do it. I went back to live chat and explained everything that happened on XX/XX/XXXX. The agent said she would order the statements and I would receive within XXXX hours. XXXX hours passed with no statements received. I then called XXXX again and this time spoke supervisor XXXX. XXXX assured me I would get the statements within XXXX hours. Nothing has been received and XXXX hours has passed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I am writing to formally dispute the accuracy of several entries on my credit report. The accounts I am disputing are as follows : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Open The information being reported for these accounts is incomplete and inaccurate, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically : Inaccurate Information : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate information. Any inaccuracies represent a failure to comply with this statute.

Consumer Rights : According to 15 U.S.C. 1681i, if the information can not be verified, it must be deleted. As such, I request that these accounts be investigated promptly. 
Fraudulent Reporting : The FCRA demands the correction or removal of any misleading or fraudulent information from a consumers credit report. 
Additionally, I will be sending copies of this letter to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office for their records regarding the inaccuracies in my report. 
The landmark case XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX demonstrates how courts have ruled in favor of consumers whose credit files contained inaccuracies. Furthermore, the TransUnion LLC XXXX XXXXXXXX case highlighted the obligation of credit reporting agencies to ensure that information like mine is accurately reported and can be effectively challenged. 
Given the critical nature of credit reporting accuracy, I respectfully request a thorough investigation into these discrepancies and a prompt written response indicating the findings of your investigation. If the information is found to be incorrect or unverifiable, I ask that these accounts be immediately removed from my credit report. 
Thank you for your urgent attention to this matter. I look forward to your swift response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the FCRA and Fair credit and billing act. My right to privacy under HIPPA law as these collectors are questing my medical condition which is against the law. I have not heard back from XXXX. If they can not validate, please remove from my XXXX credit report. 
The following account is what I am questing : XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX
Product: Credit reporting

I have disputed with Equifax since XX/XX/XXXX about an inquiry made on my credit report with out my authorization by the company XXXX for adt services. I filed a total of 2 disputes with Equifax - XX/XX/XXXX and XX/XX/XXXX both of which are still pending and well past the 30 days required for investigation. This company had a representative that used my social security number without my permission to run an inquiry on my Equifax report for which I have filed a police report and complained to the company about numerous times. I have been in communication with XXXX at XXXX who keeps claiming to have sent requests to Equifax to have this inquiry removed from my report. Although I feel like it is quite possible that XXXX is lying to me about this and possibly have n't done anything I have in writing by email where she claims that she has. And yet Equifax still refuses to remove the inquiry from my report from either XXXX at XXXX 's requests or through my own requests via disputes and the 30 day investigation require- ment. I have been in contact with Equifax today and they have again told me that they will not be removing the inquiry unless they receive electronic request from XXXX XXXX, even though the dispute is still in pending status well past the 30 day period. So my complaint is against both companies as they are both giving me the run around and both have dropped the ball.
Product: Checking or savings account

They charge me 2 overdraft the same day and i am complain but they are not fix
Product: Checking or savings account

I will need the items I have asked for in the previous reports from the cfpb. I have not received the evidence I have asked for I will take civil claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

The letters are stated with items and issues.

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 ( A ) ( 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late ! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I am a customer/consumer of the financial institution American Express and its subsidiaries/parents/affiliates/etc.

Title 15 U.S. Code 6801 states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. American Express is a financial institution by definition in this Title, and its failure to abide by privacy laws has both harmed and inconvenienced me as evidenced in Attachments 1 through 4.

Title 15 U.S. Code 6802 states, ... a financial institution may notdisclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided the consumer a notice that complies with section 6803 of this title. American Express never provided a REASONABLE means to opt out that was CLEAR, CONSPICUOUS, COMPREHENSIBLE, SUCCINCT, and OTHERWISE REQUIRED by 15 U.S. Code 6802, 6803, and 12 CFR 1016.7.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I exercise this right, as I was not able to by reasonable means before. American Express does not have my consent to, and shall not, report, share, sell, give, or otherwise transfer my nonpublic personal information, past, present, or future, to a non-affiliated third party or credit reporting agency.
Product: Mortgage

We did not buy a XXXX XXXX home because it was in shambles 2 days prior to closing ( on XX/XX/2017 ). XXXX XXXX XXXX, Home American Mortgage proceeded with the loan without our knowledge. We just received information from the credit bureau ( attached ) that we have an outstanding loan from Home American Mortgage for {$630000.00} processed on XX/XX/2017. We did not buy this home. We did not go to a closing. We did not sign any paperwork. 

Additionally, XXXX is refusing to return our {$14000.00} in earnest money. This home was in shambles two days prior to closing. It did not have finish plumbing, there was severe drywall damage throughout the home especially in the ceilings, drywall mud scattered everywhere including carpets and hardwood, whole doors were missing, electrical was missing, there was no Certificate of Occupancy from the City of XXXX. We know that this home had many other problems so we told them we would not purchase the home. 
We desperately need your help. 

Thank you, XXXX XXXX and XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with citi. They have seized my money in my account and said they are investigating me. They have not provided cause for my investigation and they are withholding my money and ability to close my account. I need my money to live and can not afford to have it taken from me for 30-60days or indefinitely. Id like my money back immediately and a full apology. It seems that opening an account with a large amount will cause Citi to just take your funds and investigate you without explanation. And as a XXXX male I dont appreciate the additional oversights and hard investigations without cause
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) outlines the Congressional findings regarding the critical role of Consumer Reporting Agencies ( CRAs ) in the XXXX XXXX XXXX XXXXt emphasizes the need for these agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy 15 U.S. Code 1681s2 outlines the responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681c outlines requirements related to information contained in consumer report 15 U.S.C. 1681s-2 ( A ) ( 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.
Product: Checking or savings account

Since XX/XX/2021 I have mulity transactions that have been triple by the amounts and serve conversations and corporate calls to the Financial institution. Apparatus they really do not care. When my credit card was issused a pre paid one, it took over 1 1/2 months to receive. THEN the day I was told by XXXX the Assistant Manger of the bank when I was standing right there in front of her. I heard the whole conversation to the credit card processing company that it would be 5 to 10 bussiness days for me to receive which it was a month and half went by. Then I recied a phone call from that same branch from XXXX the bank Manger that my Credit card was there and I walked in to retrieve it and get it valivaed, and I was handed the envelope open and I was told it was active. My question WHO VALIVATED MY CREDIT CARD??? NO BODY IS ON MY ACCOUNT AND NEVER HAS BEEN. THERE IS MONEY MISSING AND IF YOU ADD UP MY DEPOSITS YOU WILL SEE IT DOES NOT EVEN COME CLOSE TO WHAT THE BALANCE IS??? HOW IS THIS EVEN LEGAL??? PLEASE HELP WITH THIS I AM A AMERICAN CITIZENS IN AMERICA. RIGHT???
Product: Credit card or prepaid card

I purchased a {$500.00} Mastercard gift card for cash in late XXXX or the first week of XXXX from a XXXX XXXX XXXX supermarket located on XXXX XXXX, XXXX. I do not recall the exact date. The card is issued by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX I believe that I registered the card with the issuer either the same day or the day after. I registered the card on the issuer 's website and the website showed a {$500.00} balance, at which point I discarded the receipt. Around the middle of XXXX when I checked the balance of the card I found 2 unauthorized online charges, one for XXXX and one for XXXX XXXX. I immediately notified the issuer, and thereafter called both XXXX and XXXX XXXX corporate to notify them of the fraud and hopefully stopped shipment. I provided the issuer with a copy of XXXX XXXX response email and advised the issuer that XXXX told me that they researched the transaction and that the delivery address was that of a re-shipper and the product was probably already out of the country. 

I submitted the issuer 's claim form and photos of the card as requested. I advised the issuer that the card had never left my possession, nor had I shared the number with anyone. I did not make the two disputed purchases. 

I also mailed a letter to the issuer requesting that they process the claim and that they provide me with sufficient information about the purchase that I could ask XXXX XXXX XXXX to research the transaction. I received no response. I requested by email that they call me. They have not. I left a message with their corporate HQ asking for a return call. No call. 

The issuer 's last email response was that unless I could provide them with a copy of the receipt that they would not process the claim. 

They stated : " Because Gift Cards are anonymous products the purchase or activation receipt is required to validate that our cardholders are the original purchasers or intended recipients of the cards. You may request a duplicate copy from the original purchase location. '' If the card is purchased anonymously, how does a transaction receipt prove that the holder is the original purchaser or intended recipient. Suppose that the card and the purchase receipt were lost and someone picked them up? In addition, the issuer sent me a new card -- with my name on it -- containing the balance of the funds, without any proof that i was the original purchaser or intended recipient. 

I am an attorney licensed in RI and MA. Do they think that I am foolish enough to risk my license and reputation over this claim?