23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

First, this was not just a modification and it had been approved name was changed out of the estate of my deceased daughter. Ocwen put it back into the estate of my deceased daughter. Terms and all conditions are supposed to be provided up front no matter what.

There is a legal requirement to provide ALL terms and conditions up front under RESPA, not a courtesy. The only thing that would void this situation is if I did not perform not make agreed payments.

Ocwen providing documents when and where you want is not my problem, and I intend to not let you make it my problem.

Not three but Five Payments were made before I could get Ocwens attention that a mistake, a servicing error had occurred. Ocwen doesnt get to go back and correct this in Ocwens favor.

There is a trial period but no trial terms. If I start off paying {$300.00} a month I will continue to pay {$300.00} a month and Ocwen does not get to revise terms at a later date to the extent that Ocwen has revised, especially after you deemed me qualified. Ocwen should know better. Ocwen did not provide the information in XX/XX/XXXX as you allege, that is a lie. In fact after the fact Ocwen has gone back tried to clean everything up and tried to sell the loan Five Months later.

You are trying to protect OCWEN, but damaging the homeowner in the process by not following the laws.

If you were Providing a Courtesy it was to Ocwen. I performed Ocwen did not. I did not need your Provided Courtesy, what I need is for you to provide and abide by the law. FHA, HUD, RESPA.

If assisting homeowners is what you do What happened? But that is a lie as well.

I am not opposed to my loan being transferred. I am opposed to Ocwen doing a sloppy and illegal job of following through properly and legally on my loan transaction and contract.

Further, if there was a problem Ocwen had six months previous to the start of payments to make those decisions or changes or not offer a loan contract.

Ocwen cant after the fact scrap the contract after I have performed. If Ocwen were counting on me to not make payments they took a risk/gamble and lost. Ocwen certainly cant think sending my payments back makes OCWEN right.

You requested every document possible and had every opportunity to not make the offer, but once I accept after your careful scrutiny you can not go back and change it after I perform. You certainly cant do it within the constraints of the law.

However you slice it Ocwen has a problem. This needs to be handled by XXXX XXXX because it is now above anyone elses pay grade.

I know the process and the laws behind it. Ocwen will not get away with this.

I know what occurred and your lying is not going to make this go away. Please do what should have been done when I first called it to your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request on XX/XX/2022 and I have not received a response from XXXX or Equifax and it has been more than XXXX since the dispute was submitted. The inquiries should be in my favor at this point, due to the failure to respond. I have submitted proof of my only address which is XXXX XXXX XXXX XXXX Az XXXX. I do not receive mail at my personal residence. The inquiries should be completed and in my favor now that it has been more than 30 days since submitting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Hello , I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

Checkr is sending my employer XXXX false information on my background check. Checkr is sending a background check from XX/XX/2023. I requested a court date and the judge dismissed all my tickets and cleared my driving record. I dont have anything on my criminal or driving record. 

I was in court XX/XX/2023 and the judge dismissed all tickets. 

Im cleared by the Miami Dade Clerk of Courts to drive for all Ride Share companies. 

But Checkr is still reporting a false information on background check so as of XX/XX/2023 if I apply for any company using Checkr I will be denied the ability for employment. 

This is discrimination on the behalf of Checkr to stop me being an XXXX XXXX an opportunity to work and apply for job opportunities in the Ride Share Gig work space.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always contended that the XXXX XXXX XXXXXXXX account that is reporting on my credit report is reporting incorrectly and I intend to prove this. In the latest credit report that I got from XXXX it says that the account was paid in full and that the last payment date was XX/XX/XXXX and yet Equifax is saying that the last payment date was in XX/XX/XXXX. How can it be that two credit bureaus are getting their information from the same source but are reporting two different payment dates? That makes no sense. Equifax is reporting that the account went into a charged off status in XX/XX/XXXX ( which is false ) and XXXX is reporting that the account went into a charge state in XX/XX/XXXX. How can it be that two credit bureaus that should be getting information from the same source are reporting two different charge off dates and two different payment dates? 
This makes no sense and I have often complained that the XXXX XXXX XXXX account is reporting inaccurately on my credit report and I want it deleted immediately. 
Kindly see files attached proving my point
Product: Checking or savings account

Approximately 10 days ago I deposited and cashed a check from a third party that bounced. It was my not my fault - it was the person that gave me the check. 

I was then left with a negative balance. I was going to let my direct deposit on XX/XX/XXXX refund the account. 

But without my knowledge US Bank closed / froze by account. Their fraud dept. or the bank branch did not notify me of any issues. I believe they over reacted with out trying to reach out to me - the customer. 

Understand they have to protect themselves but if they would have contacted me all this could have been avoided. 

They have not offered any way to fix the problem - how to get my direct deposit, and have not given me a direct answer as to why my account was closed. I received no phone call, email, or text. They mailed a letter which would take several days to received. 

Any other bank would have made an effort to notify the customer. I had a fraud issue with XXXX XXXX  a couple years ago and they were wonderful, helpful, and understanding. 

In contacting their fraud department clearly they were just reading off a script as when I tried asking other questions they kept repeating the same line over and over. They did not seem to care or offer a way to help. Just kept repeating ... again sir " my account is scheduled to be closed XX/XX/XXXX '' " you will be mailed a check with remaining balance '' US Bank can open my account in less then 30 minutes but take 15 days to close my account? I am pretty sure they can fix it and return my funds immediately but refuse to. 

They have already removed the negative balance - my account shows a positive balance of {$900.00}. 

US Bank is not making any effort to help and clearly I am trying to work with them. Will attempt to go into branch and see if they can help.
Product: Mortgage

Navy Federal Credit Union LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX & XXXX XXXX We have had many issues on this short sale file that need to be addressed. Please be aware that we have already spoken to the VA about this file : 1 ) Documents sent to the negotiator XXXX XXXX XXXX at her request have been sent multiple times and have disappeared and have needed to be resent. Does Navy Fed not have a document management system for its loss mitigation purposes? 

2 ) Requests made once the NOV was returned on the property ( we will discuss the issues with getting the VA appraiser into the house later ) seem to be outside of VA guidelines and include : a ) Cutting the commission to 5 % ( we have confirmed with the VA that this request was not made by them and a 6 % commission is within their guidelines. 
b ) Removing the seller side title insurance from the estimate -- - also NOT a VA guideline c ) Removing the Natural Hazard Disclosure fee ( which is required by the State of California that the seller provide for the sale ) NOT a VA guideline. 

3 ) We have never been able to get ahold of the negotiator, nor has anyone in your front end. Now we know that this can happen when file loads are high, but when the VA appraisal was ordered and we showed up to let the appraiser in someone had changed the locks. We called Navy Fed with the appraiser present and was told that XXXX would contact the VA and find out who went out as no sticker or notice was placed on the property. Two weeks went by with us continually calling into Navy Fed asking who had gone out there to change the locks and we were continually told that the negotiator was following up with the VA to find out -- - we have been told that that never happened. To add injury to insult, we received a call from Navy Fed asking us if the appraiser had gotten in a week into this ordeal when I asked if anyone had read the notes or contacted the VA I was hit with silence. In the end, we, not Navy Fed, were able to track down the third party vendor hired even though the vendor had not labelled the property. 

I would like to know the following. 1 ) Why are documents being lost multiple times 2 ) Why on a VA loan are guidelines not being following ( is Navy Fed reporting to the VA that those funds were charged against the NET and then keeping the money? It may sound crazy but both XXXX and XXXX XXXX tried similar schemes and were caught ) 3 ) Why no communication? If your employees dont have time to work the files, just tell us you are backed up. Please dont lie to us about making calls to investors that never happened.
Product: Credit card or prepaid card

LAST YEAR MY CREDIT CARD WAS STOLEN/ LOST WHEN I WAS VERY SICK WITH THE XXXX AND IT WAS CHARGED WITH ONLINE TRANSACTIONS. I DID NOT RECOGNIZE THEM AND I SAW THOSE TRANSACTIONS IN MY CREDIT CARD ACCOUNT OF BANK OF AMERICA, I CONTACTED THEM AND AFTER I RECEIVED A LETTER OF THEM AND I RECEIVED A CREDIT FOR THOSE FRAUDULENT CHARGES. ON XXXX I SENT TO THEM A POLICE REPORT BUT THE BALANCE OF {$2.00} PLUS FEES NOW IS {$2.00} STILL THERE, SO, I CAN NOT PAY FOR FRAUDULENT CHARGES
Product: Credit reporting or other personal consumer reports

Recently cheking my credit report I noticed that I Have been a victim of identity theft and found numerous credit accounts.please remove these fraudulent XXXX from my credit report.Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The car I was financing was totaled in an accident. I had gap protection and received a statement that next month 's payment was not due. The accident occurred in May and I figured that the car would be payed off. 2 months later I get a letter saying that Ally reported that I am not making payments. I called ally and was told by a customer service representative that she would tell the other department not to contact me about payments until after the gap payment came in from the gap vendor. Then I get conflicting information that I still have to make payments until the gap check comes in. I started making payments again and finished paying off the car. I told Ally that because they gave me the wrong information about how to pay off the car that I wanted them to retract the bad credit report they gave me. My credit rating dropped because of their report. Ally refused
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is very disappointing! REMOVE ALL FRAUD ACCOUNTS ASAP!
Product: Checking or savings account

My complaint from XX/XX/year> was never answered. Only a phone call stating I would receive another call from a resolution specialist within a FEW days. Well, that call never came, much like my check, and now they need 60 days to answer?! Just send my money please! I dont understand and cant fathom what on earth they are doing by not sending me my money/cashiers check! I should not have had to wait this long ( 6 months! ) let alone until XXXX! If its not enough money for them to put tracking on, which is absurd by the way, then its not enough for this bank to keep XXXX! It was first supposedly mailed in XXXX, it is now XXXX and I STILL dont have my money from this account! I honestly believe it was never mailed the first time, either, and all those XXXX  sleepless nights thinking someone might cash my savings was for not! What an absurd and cruel bank! Please send me my money!! Ive had to get a second part time job XXXX XXXX to make ends meet, because this was all my savings!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im the beginning of XXXX I have removed 3 accounts from my collections and disputed them through XXXX. I also updated information on the previous mentioned platform as well as transunion. These accounts have not been removed and updated. Negatives are still showing on reports and not deleted as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1700.00} and XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Please delete the late payments and update my credit file ASAP.
Product: Mortgage

As your ditech company had said that it would give me a refund when it will send the current tax receipts, I already sent it to you weeks ago, just need to send the taxes of the school, and that comes in XXXX. therefore I ask for the return of what I paid extra from XX/XX/2018 to today date ... I ask for a refund of the difference i have paid extra.as you told me in a letter company will refund me. 


And still need some readjustments in the account are missing ... I hope they meet this time.
Product: Mortgage

I never received the title/deed to the property. They claim the Town of  XXXX XXXX has it. They do not.
Product: Debt collection

XX/XX/XXXX 2017 a new collections was open to my name. I checked my credit score 2 days ago XX/XX/17 because my credit score had gone down tremendously. The collection appeared on my credit score on XX/XX/17. I was never notified in writing/phone call that I owed this to this phone company. If it was n't for me checking my credit score I would n't be aware of the collection. My phone company never told me I owed money to an old account as well.
Product: Mortgage

Please review the documents submitted. In 2007 prior to the mortgage industry collapse I wrote the justice department, RESPA, the Treasury Department and state representatives when I discovered I was illegally out into as n ARM. I was not a participant of the Ocwen settlement. Instead of receiving a principle reduction Ocwen threatened foreclosure or sign of on a XXXX balloon. This is after agreeing to the government settlement. 

Loan Modifications for Struggling Homeowners The settlement also ordered Ocwen to provide {$2.00} XXXX in principal reductions to eligible underwater borrowers who were at risk of foreclosure. To accomplish this, Ocwen offered write-down loan modifications to eligible borrowers. ( A write-down loan modification reduces the principal balance on the loan. A lower principal balance results in lower monthly payments. )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, I received an alert about a hard inquiry made by XXXX Bank, being sure that I had not requested any service and I disputed it before Equifax and XXXX. Then in XXXX I received another alert from a hard inquiry from XXXX Bank and another from XXXX, being sure that I had not requested any service. I also did both disputes. At the beginning of XXXX I received calls from XXXX Bank and there I learned that the case of the month of XXXX corresponded to a XXXX Credit card requested in person at a store. Obviously it wasn't me because I've never set foot in a XXXX XXXX, I don't even know what it looks like inside. Later I found out that the other inquiry from XXXX Bank corresponded to XXXX & XXXX and although if I have ever bought in that store, it has always been cash and I have never applied for a card or credit. And finally, I investigated, and the one corresponding to XXXX was related to XXXX XXXX, a store where I bought and had a credit card many years ago but closed it because I didn't use it. I closed it over 5 years ago.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I XXXX XXXX am in violation of my consumer rights pursuant to the FDCPA 15 usc 1692 by Genesis FS Card Services. 15 USC 1692b. ( 5 ) defines, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt, Genesis FS Card Services used their company logo on each exhibit I've presented which is a violation of my consumer rights and privacy. 15 USC 1692e ( 2 ) ( a ) defines, The false representation of the amount of any debt. All circled charges are in the positive, if it is a debt that is owed like they " allege '', all charges owed should be in the negative. 15 USC 1692b ( 2 ) defines, not state that such consumer owes any debt. Genesis FS Card Services stated in letter that " This is an attempt to collect debt and any information obtained will be used for that purpose. '' which is in violation of my consumer rights and privacy. Genesis FS Card Services is in violation of The Fair Debt Collection Practices Act ( FDCPA ), and is now civilly and criminally liable.
Product: Checking or savings account

On XX/XX/XXXX, I fell victim to a scam resulting in over {$10000.00} in fraudulent charges. The scammer had caller ID posing as Wells Fargo and already had information on my account. Eventually, he had me send {$10000.00} to my own XXXX XXXX account so he could take over my XXXX account and withdraw. 

I know, 100 % that this should have been avoided by me but that doesnt change the fact that my mistake shouldnt bankrupt me. I am completely broken after this. I have already escalated with senior management for fraudulent activity to which they offered no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whomever It concerns, I am writing to dispute an inquiry on my credit report from XXXX XXXX, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ). It appears that TransUnion did not conduct a proper investigation into this inquiry, and I am requesting its immediate removal from my credit report. 

As a consumer, I am protected under the following rights granted by the FCRA : 1. Right to Accurate Information : The FCRA ensures that information reported on my credit file is accurate and up-to-date.

2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report.

3. Right to Investigation : The FCRA requires credit reporting agencies to conduct a reasonable investigation upon receiving a dispute about any information on my credit report.

4. Right to Fair Credit Reporting : I have the right to fair and unbiased treatment in matters related to my credit information. 

I believe that TransUnion has violated my FCRA rights by not properly investigating the XXXXXXXX XXXX inquiry, which has resulted in inaccurate information on my credit report. Therefore, I urgently request you to take immediate action and remove this inquiry to rectify the situation. 

Please provide written confirmation once the inquiry is removed from my credit report, along with any supporting documentation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$5800.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX