23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX formerly of XXXX XXXX XXXX XXXX MD XXXX We have been dealing with XXXX XXXX attorney MrXXXX XXXX for the past few months. 
I have informed Mr.XXXX that I did not want to communicate by email.We have asked for communication by phone and now we are been ghosted. 

Mr.XXXX got information from us that Ocwen charged us fees each month to pay our mortgage over the phone.I also let them know that the state of Maryland was investigating them for this as it was illegal. 
Mr.XXXX when he did replay he said that we did pay the fees but it was only twice in 2013. This is incorrect we were charged the fees each month we paid over the phone. 
I informed MrXXXX that the company that they used for their customer service was not licensed in the state of Maryland we got no response. 
Ocwen customer service is the only live phone line you can reach. 
The customer service were the ones that told us your account went to collections and here is their name and phone number and Ocwen has no ownership of the matter anymore. 

I have sent emails to Ocwen ombudsman in the last few weeks and all I have gotten back are letters we will review and get back to you. 
Ocwen has never gotten back with us and they will not be Mr.Messingers words. 

I would like all of the above addressed by Ocwen over the phone. 
I have reached out to many people at Ocwen and XXXX XXXX XXXX over the last few weeks as I don't feel people are been honest with us. 

Respectfully, XXXX XXXX
Product: Mortgage

We engaged BOK FinanciaXXXX for an XXXX Commercial Property Loan to purchase a commercial property. We closed on XX/XX/2021. 

Since closing - A ) All statements / monthly bills are being sent to the wrong address. I requested a change of address in written format via the form provided by BOK Financial over a month ago. I received no confirmation that the change of address took place. 
B ) I have reached out repeatedly to the lender to provide online account access for monthly payments. BOK does not respond to my requests and nobody can even answer the question about whether or not online bill pay exists. 
C ) There are late fees being applied to my account. However, since I have no access to the loan documents online and all of my mail is going somewhere else, I have no way to monitor or dispute the fees.
Product: Credit reporting or other personal consumer reports

My rights under the Fair Credit Reporting Act ( FCRA ) and related laws have been violated in multiple ways, and these violations have caused me significant harm and distress. 

First, my credit information was reported without proper verification of its accuracy, which is a violation of FCRA Section 616. This willful noncompliance is not only negligent but also punishable by civil liability, as it directly affects my financial standing and reputation.

Additionally, under FCRA Section 603 ( d ) ( 2 ) ( A ), I was not informed of my right to opt out of sharing my personal information. This omission is both deceptive and a clear infringement on my consumer rights.

Moreover, inaccurate inquiries and accounts were furnished on my credit file without proper validation, in violation of FCRA Section 623 ( a ) ( 3 ). These errors suggest a failure to follow appropriate procedures for ensuring accurate reporting, further compounding the harm to my credit report. 

I also experienced violations of the Debt Collection Practices Act, as debt collectors improperly contacted third-party credit reporting agencies and disclosed false debt information about me without my consent. This is a breach of rules designed to protect my privacy and ensure fair treatment.

In addition, my credit report reflects " late payments '' without any clear definition of what constitutes a late payment, which is both misleading and violates 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in reporting.

Finally, my personal and financial information was reported without obtaining my written consent, which is a breach of the permissible purposes outlined in FCRA Section 604. This unauthorized use of my information is unacceptable and has exacerbated the harm done. 

To address these issues, I have demanded the following actions : Updating the inaccurate information for XXXX and XXXX XXXX to reflect " paid as agreed, never late. '' Deleting unauthorized and inaccurate entries from XXXX  XXXX and XXXX. 
Removing all other inaccurate and unauthorized accounts from my credit report. 
If these issues are not resolved promptly and satisfactorily, I will have no choice but to pursue all legal remedies available to me under the FCRA to ensure my rights are protected and the harm caused is addressed.
Product: Credit reporting or other personal consumer reports

I submitted a request for a block of adverse information that was included in my consumer report that was a direct result of my abuse and status of a victim of XXXX XXXX. I also submitted a self-attestation of my status as a victim of human trafficking signed by a notary of the state of XXXX and they denied to block adverse information. 

Under 15 U.S Code 1681, 605 b : ( 1 ) TRAFFICKING DOCUMENTATION.The term trafficking documentation means ( A ) documentation of either ( i ) a determination by a Federal or State government entity that a consumer is a victim of trafficking ; or ( ii ) a determination by a court of competent jurisdiction that a consumer is a victim of trafficking ; and ( B ) documentation that identifies items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from the severe form of trafficking in persons or XXXXXXXX XXXX of which such consumer is a victim. 


As per their instructions on their website for information for victims of human trafficking, they require a " A self-attestation, which is a statement prepared by you ( or your representative ) stating that you were a victim of XXXX XXXX that is certified by an authorized employee or representative of a governmental agency or non-governmental entity ; be provided '' I provided a notarized attestation of my status as a victim and they denied my request and violated my rights under this law. A notary is considered an " public officer of the state of XXXX '' and has legal authority to validate my self-attestation affidavit that I provided to Equifax. 

I would like to enforce my rights to the full extent of the law as the denial of the blocking of this information is further contributing to my suffering as a victim of human trafficking. I would like financial compensation of {$1000.00} per violation and immediate removal of all adverse information as remedy.
Product: Mortgage

I have a mortgage loan with Fifth Third Bank, unfortunately because of the economy I failed my mortgage payments on XXXX, my house has a sale date on XXXX/XXXX/XXXX, obviously I do not want to lose my home, I have a family, it is my heritage for me and my family. I am trying to make a loan modification, but there is a person, XXXX XXXX, who works in Fifth Third Bank, she is the point of contact, the only person who can I talk to to get status of my loan modification, but she is very unprofessional, from the begin she told me that she will not review the work out package because I had three years with out pay my mortgage and I do not qualify with out reviewing the work out package, finally when she review my work out package, on XXXX/XXXX/XXXX she advise that she will close the file for missing documents, I even did not know that those documents were missing because is very hard to contact her, she never is at her desk, always there is answer machine and never responds the messages, finally she gave me until XXXX/XXXX/XXXX at noon to send the missing documents, if the documents are not faxed by that time, she will close the file. The required documents were XXXX, Tax Return XXXX and Hamp hardship Affidavit, I sent the documents on XXXX/XXXX/XXXX, I called to the bank on XXXX/XXXX/XXXX to confirm I sent the documents, I spoke to XXXX he said the status has to be with XXXX XXXX, tel : XXXX ext. XXXX, I called her no answer, I left a message for her in her voice mail, she does not call back, on XXXX/XXXX/XXXX I called her again, answer machine again, I called to the bank tel : XXXX, I spoke to XXXX, she said the file is closed for missing documents I explain that I sent the documents on time XXXX/XXXX/XXXX, she said I have to talk to XXXX XXXX directly to get status, I told her it is very hard to contact her, she said she will send a message to her contact me, she call and let me know the case was closed, I ask why and she said for missing documents, I told her I sent the documents, she said the hamp hardship affidavit is missing, I told her I sent it and it is signed by the Borrrower and Co-Borrower, she said she needs one signed by the Borrower and another one signed by the Co-Borrower, the file is closed and there is no way to re-open it. It does not make sense for me, the form has XXXX signatures, I thing she does not want to help the homeowners, I feel like there is a discrimination. I really need help with this, I do not want to lose my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : After pulling my credit report, with the intention of improving my credit and taking care of my responsibilities, I noticed a few accounts with INACCURATE INFORMATION reported. I filed a dispute with Experian and the results came back as " updated ''. I sent in documents via mail to the address on their website but they claimed to never have received them. I have proof of delivery/tracking info and the investigation request letter attached to this complaint. The investigation was NEVER thoroughly performed and the information was NOT updated correctly, they only added a false comment about investigating as the update. Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609. Please provide me with copies of the original sources for the items reported. That includes contracts or service agreements I signed with CORRECT DATES. If this information is not available, please note that the validity of these items can not be determined therefore must be removed from my credit history under 15 U.S.C. Sec. 1681i ( a ). 
If you can not furnish, I am requesting that all inaccurate accounts be deleted/removed from my credit history/report. Thank you for your time and help in this matter. The accounts in question : US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX
Product: Debt collection

I wrote a letter to the company on XX/XX/year> and requested verificaton and validation of the debt. the letter was mailed same day, and I have not received any correspondence. By the doctrine of eStoppel by silence, this debt must be removed from my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/XXXX about a medical collection account recently placed on my credit report from XXXXXXXX XXXX XXXXXXXX ( XXXX ). I disputed the collection in my explanation and asked that the account be removed from my credit report. Experian responded : " The company that reported the information has certified to Experian that the information is accurate. '' The account was not removed from my credit report. On XX/XX/XXXX, I submitted a claim against XXXX with the Consumer Financial Protection Bureau ( CFPB ) in reference to this matter. XXXX  in their response to the claim has now requested that the collection account be deleted from my credit reports, follow up required. Note : According to the National Consumer Assistance Plan ( XX/XX/XXXX ) in which the credit reporting agencies ( CRAs ) established, they would no longer include medical debts identified and furnished by collection agencies when the date is less than 180 days after the delinquency. I received a debt letter dated XX/XX/XXXX from XXXX   and I immediately responded via phone and letter to the office disputing the validity of the debt.
Product: Checking or savings account

On XX/XX/XXXX, I was locked out from my online banking I called Bank of America and The lady told me both my checking and credit account was being closed, I ask her for the reason she said that *We are not obligated to provide you with a reason * I went to the bank to withdraw some funds I couldnt I had to pay for Daycare the XXXX Finally a manager was able to help me withdraw a small amount, *I had over XXXX on the account * when I proceed to ask the banker what may be the reason of my accounts being closed he answered *I myself have reviewed your account and dont see any red flags its surely because of where you live, you race I also see a dispute for XXXX XXXX it may be for that. I was shoked I was with the manager of the bank told me that. I tried doing escalation to get the rest of my funds but its been 5 days they told me 3-5days still nothing AND ALSO THERE IS NO CLOSING DATE SO I DONT EVEN KNOW WHAT YEAR OR MONTH AM I GETTING THE REST OF MY FUNDS. I FEEL SO HUMILIATED
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Information on My Credit Report To Whom It XXXX Concern, I am writing to formally dispute the accuracy of an item on my credit report, as permitted under 15 U.S.C. 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). I request that you investigate the following item and either verify its accuracy or delete it from my report. 

Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX. 
Reported Issue : I do not recognize this account. 
Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information.

Additionally, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a written notification of the results of your investigation within 30 days, including a clear explanation of the steps taken and any supporting documentation used to verify the item in question. If you can not verify the item, it must be promptly deleted or corrected. 

If the item is determined to be inaccurate or unverifiable, I request its removal under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This section requires the deletion of disputed information that can not be substantiated after an investigation. 

Please provide me with an updated copy of my credit report reflecting any changes. If you require additional information from me to process this dispute, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. 

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

Credit Bureaus are reporting incorrect balance, payment amount, account status, and payment history to XXXX, XXXX and TransUnion. Incorrect information was disputed via letter sent certified mail to credit bureaus. 
Letter mailed to TransUnion XX/XX/2022 tracking # XXXX Letter mailed to XXXX XX/XX/2022 tracking # XXXX XXXX disputed online XX/XX/2022 confirmation # XXXX The dispute advised payment information was updated but is still reporting incorrect account status, payment history, payment amount and account status.
Product: Payday loan, title loan, or personal loan

XX/XX/19 i was looking at loans and reading terms quicker than normal to see how long it takes. For me to mkve on i had to sign. I signed and ended it the next day money was in my account i emailed them after i sogned that i dodnt want the loan it was a mistake. I paid all the money back same day it came onto my account and talking to them i still owe XXXX in interest. Though it was all done in a day. They refuse to talk to me
Product: Payday loan, title loan, personal loan, or advance loan

I applied {$4000.00} credit from dell XXXX  last year on XX/XX/XXXX, and I should payoff this full credit amount on XX/XX/XXXX. I did payoff it up to {$4100.00} after I check all my transaction, but they still charging me interest fee up to {$890.00} because my account shows that I still owe XXXX bucks in the credit. I feel confused to it and double contact their agent. them they give me the answer like this. on XXXX, XXXX, I used this {$4000.00} credit to purchase a product with payment of {$4000.00}, and on XXXX I also used this {$4000.00} credit to purchase another products and because I also use this {$4000.00} credit to purchase another product, so they are charging me XXXX monthly fee at the same time not only for that {$4000.00} product but also that {$890.00} product. it is the combination fee charging at the same time. they give me the explanation like this. that is like a scaming. an illegal way of making money, usually by tricking people. 

I feel unfair First I signed the contract to payoff {$4000.00} in XXXX year with no interest, and In XXXX year, I paid up to {$4100.00} bucks already and they should not charge me interest fee second, I never sign to accept paying double monthly fee at the same time at all
Product: Credit card or prepaid card

Used atm to get XXXX cash, receipt shows requested XXXX dispensed XXXX ... .Transaction is not approved! ... ..communication error when receiving data. They are saying it will take up to 10 days for me to get my money back. Which they refunded the fees immediately when it was not approved but they are keeping my XXXX for 10 days ... .This is not right, they have all information and copy of receipts to show money was not given but the don't want to give me my money back right away, but they gave me the fees right away ... this does not make any sense of why they are holding my money when it should of never been taken in the first place and they know it. That money was for bills and now I'm having to pay XXXX everyday I don't pay the XXXX back ... .I borrowed this money to pay this bill and they are keeping it for no reason at all and it is causing me XXXX a day everyday they keep it. So, I want them to be responsible for these fees I'm accumulating because they won't return money they know is due me now.
Product: Vehicle loan or lease

I am a victim of identity theft and someone has used my identity to obtain goods using my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are SEVERAL issues with my equifax report. I have been trying to resolve these issues for years and nothing has been fixed. 
# 1. Phone, address, etc not updated for several years. I have mailed and spoke to them about this several times. Each time I have been told it was fixed. I do n't find out otherwise until one of my accounts gets closed or I get denied due to info not matching # 2 : listed account-XXXX XXXX is WAY out of date. It has not been updated since XXXX. This is huge bc since then I have not had any late payments and the account is open in good standing. Due to that out of date info and othet issues, my XXXX score is continously going down and affecting my CURRENT CL. 
# 3 : SEVERAL accounts are missing. These not only provide more open accounts on my report but it ups my limit, reduces my utilization, affects my open account history etc etc. 
# 4 : I have been unable to get my reports / score from equifax for several years. I keep calling and doing their processes over and over. Nothing. 


All of these things combined are having a serious affect of my life. I am constantly getting declined bc of equifax and my current credit is being affected. I HAVE TO GET THIS FIXED AND CORRECT INFO SENT TO ALL RECENT INQUIRIES!
Product: Credit reporting or other personal consumer reports

Per FERPA Act, my personal, private, and sensitive information was BREACHED by XXXX XXXX and his XXXX team. This access was unauthorized and not granted permission. I have attached proof on this complaint and I want to dispute ALL of my federal student loans the amount is {$33000.00}, because of this nationwide breach. This data breach taken place on XX/XX/2025. These actions affected the website of federal student aid https : //studentaid.gov/ on XXXXXXXX. I will be placing a lawsuit towards these individuals as well for using my information.
Product: Vehicle loan or lease

I traded in my car and purchased a new car a week before all of the lockdowns started in XXXX. I was current on my other car loan prior to trading it in and was not late on any payments. I have been having issues paying my loan which is substantially bigger than my prior loan due to the pandemic. They deferred my loan 3 months but am now behind almost on 2. The loan is with Ford credit. They had a promotional a week after I bought my vehicle to defer financing for 6 months due to the pandemic but would not grant me this reprieve. I have been struggling ti find steady employment since XXXX due to the virus and am not risking losing my car. I tried to return the car once the pandemic hit abs get my other one back but they would not let me. They have also denied requests ti decrease my monthly payments fir the time being or grant me any months off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a dispute letter regarding inaccurate and unknown things on my consumer report. Til now, 50+ days later, I have yet to receive a response. I feel Iike Im being taken advantage of and ignored regarding my disputes. Section 611 ( A ), it is plainly stated that a failure to investigate such claim within 30 days gives reason to immediately remove such items from my consumer report. It has been 50+ days and shall be deleted promptly. Furthermore, under the FCRA the consumer reporting agency, Equifax is required to include that such account has been disputed by consumer. Because this has not been reported to my consumer report, this is also a violation under 15 USC 1681 ( i ). I demand these accounts be deleted immediately or I will file for litigation due to the stress and issues this has caused me. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiry occurred on XX/XX/2017 from XXXX please remove immediately.
Product: Credit card

Capital One refused to apply my {$250.00} security deposit to my account balance despite my request citing 1026.21 regulation.

Events timeline : - Initial request made online and via script provided to customer service reps today, XX/XX/year> - Reps stated security deposit application only possible upon account closure, contradicting 1026.21 - Also, unclear opt-out process provided for ACH debit pulls reps suggested non-use as equivalent to opt-out - Amounts involved : {$250.00} security deposit and {$91.00} excess balance in dispute Seeking application of security deposit to account balance and formal opt-out confirmation for ACH debit pulls as per regulatory requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.