23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My financial hardship started on XX/XX/2018. Prior to this date, I made every possible attempt to ensure that my monthly mortgage payments are made in a timely manner. However, due to business failure and medical situation I was unable to make my monthly payments. By the time I'm ready to pay the balance due and get reinstated, the loan transferred to PHH/ Ocwen Loan Servicing . Despite all attempts in obtaining a loan modification, as this date, we have received a deceptive response from PHH / Ocwen Financial Services. I have made numerous attempts to reach a representative with PHH / Ocwen Financial Services and have submitted the required documents for a loan modification through US mail and also their web portal. However, due to the lack of communication with a customer service representative and or the Relationship Manager has been a major challenge. Calls are placed on hold for hours and at the end unable to obtain accurate information. Consequently, due to inconsistency with the manner PHH/ Ocwen Loan Servicing conduct business, they denied the request for the loan  modification incorrectly. As of this date, they are ignoring the appeal for the loan modification denial using incorrect income, family income that contributes to helping with the housing expenses and incorrect property value. I have disputed the inaccurate NPV input chart and yet again my request has been ignored. It will be devastating to lose my home when I have to care of my XXXX children and XXXX XXXX senior citizens that will consequently be displaced should we lose our home. I just feel like, PHH/ Ocwen Loan Servicing is motivated to take my home.

We are requesting for PHH / Ocwen Financial Services to review our financial application using correct property value and income for a loan modification or a short sale and stop the unlawful foreclosure procedures. We reserve the right to take legal action against PHH / Ocwen Loan Servicing for this type of illegal business practice, VIOLATION OF THE HOMEOWNER BILL OF RIGHTS and UNFAIR BUSINESS PRACTICES CAL. BUS. & PROF. CODE 17200.
Product: Debt collection

the primary owner of the car had me as what i thought was a reference but later found out I was a cosigner. I had tried to figure out why all the corresponded emails were only coming to my email and phone calls only to my phone. I was told by the primary owner that the insurance company paid for the car as it was listed as a complete loss and the insurance company paid the car loan off. after the owner XXXX XXXX and XXXX XXXX handled the total loss I was told there would be nothing more needed from me. I signed over the title with the other person XXXX and now I am getting a summons in the mail saying I woe XXXX for an amount on this vehicle but was told that the bank accepted the settlement payment to pay off the Loan. 

two questions ; How can this bank come after me for an amount they agreed on and signed a contract that voided the previous contract? 
XXXX XXXX and other XXXX 's state that once they signed and agreed on a settlement that I am not responsible for any additional contract that XXXX and XXXX agreed on for their issues with her vehicle. 
My credit has been held hostage and I have been bullied buy this credit union and I also had been falsely entered as Primary loan person when the documents do not say I am primary anything. How can the Bank switch Primary without a signature?

I am a single Mom of a child with XXXX XXXX and my parents are passed away and I have absolutely no help. I can not afford this huge amount and still take car eof my child and all the things I have to already do on my own. XXXX does not deny owing this money. She believes that the bank owes her money but i cant keep waiting for the bank and XXXX to settle their issues and I am being held when I sign away all responsibility when the insurance for her vehicle and for her contract that they entered in without me. 

thank you for any help in this. I really need to make sure i do not have to keep being held back by this. Its creating a hardship for myself and my son.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 


XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available '' You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 
I demand the following accounts be verified or removed immediately. 
XXXX. 15 U.S. CODE 1692e - False or misleading representationXXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692G XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 
XXXX. 15 U.S. CODE 1692G XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete from my credit report.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX  - Account XXXX XXXX - Account XXXX Please remove it from my credit report. 

XXXX XXXXXXXX - Account XXXX Please Update all payments, all pay was made on time. 

XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX  - Account XXXX have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Mortgage

IndyMac/OneWest/XXXX and XXXX XXXX XXXX duplicated my credit status pertaining to the mortgage I had with IndyMac. The information submitted to the Credit Bureaus was duplicated. The same information was reported twice. One by IndyMac/OneWest/XXXX and the other by XXXX XXXX XXXX. This is incorrect reporting.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a final and unequivocal demand for the immediate removal of the inaccurate and misleading information you are reporting regarding XXXX XXXXXXXX XXXX  account with Truist Bank ( formerly SunTrust Bank ), Account Number : The account in question has been paid in full as of XX/XX/XXXX, as explicitly confirmed by Truist Bank in correspondence dated XX/XX/XXXX. Your refusal to update or remove this inaccurate information is a direct violation of federal law, specifically the Fair Credit Reporting Act ( FCRA ), and is causing significant harm to my business, reputation, and financial standing. This is harming my business from doing banking. 

XXXX has failed in its legal obligation to ensure the accuracy of the information it reports, and this negligence has resulted in material damages. You are now in clear violation of the following statutes : 15 U.S.C. 1681a ( 2 ) ( i ) Information derived solely from transactions or experiences between the consumer and the reporting entity is excluded from the definition of a consumer report. As the reporting entity in this matter, Truist Banks information should not appear on your system.

15 U.S.C. 1681s-2 ( b ) You are required to investigate and correct inaccurate information upon dispute. Your failure to correct this issue demonstrates gross noncompliance. 
15 U.S.C. 1681n and 1681o Your actions constitute willful and negligent noncompliance, exposing XXXX to legal liability for actual damages, statutory damages, punitive damages, and legal fees.
Product: Student loan

I am on the Public Student Loan Forgiveness Plan, and using the Pay As You Earn option so my payments qualify. XXXX is my servicer. I have three main issues : 1. I have to manually enter all my payments to specific loans, otherwise the loan company applies my payment only to the lowest interest loans, thus making it so my loans will NEVER be paid in full, no matter how many payments I make. This seems illegal. 
2. I had to re certify my payment plan and PSLF a few weeks ago, and my payment has gone up over {$200.00} per month. They are saying it has to do with our XXXX going up, as well as my husband 's student loans being paid down by the XXXX. I spoke to a representative to see about options on XX/XX/XXXX, and even though I did NOT approve it, I had a letter stating that my loans were placed in forbearance on XX/XX/XXXX. I don't know how they are allowed to do this without my consent, but they did. 
3. I have been in the public sector since XXXX, yet XXXX is saying I only have 19 payments so far. I've asked them and they're answer is partially because some of my payments didn't qualify because I was on the wrong payment plan, and that the payments under my current employer aren't counted until I have an end date. I had said numerous times that I was in the public sector, but was never informed that my payments would not qualify on the old payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/2020, SYNCHRONY FINANCIAL add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company did not investigate my complaint about reporting a bankruptcy on my report. They advised that they sent me an email, however that is false. I checked my email and did not see an email from them for identifying me.
Product: Debt collection

- I have a collection account for {$5300.00} with National Credit Systems , Inc that I believe is due to Identity Theft and has damaged my credit report and has caused me to be denied for credit. 
- Company refuses to assist me and remove the balance from my report and record.
Product: Credit card or prepaid card

American Express pulled an auto payment from my bank, XXXX XXXX XXXX XXXX for amounts of {$210.00} ( XX/XX/23 ) and {$280.00} ( XX/XX/23 ) not authorized by me. American Express was supposed to make an auto payment from XXXX XXXX  on both these accounts. Due to American Express ' mistake, my bank charged me 4 fees of {$30.00} each due to insufficent funds. I did not authorize these two payments for american express to pull from my XXXX XXXX XXXX XXXX XXXX XXXX. I called them to stop payment and they refused to assist me in any way.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, a fraudulent account was started with my social security number at Capital One Bank. I reported it immediately and have a letter from Capital One stating that they are at fault and that the account was fraudulent. It is still showing as a hard inquiry on my credit report. I would like it removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, EXPERIAN, and XXXX is reporting account information without proper consent or authority. The account information is associated with identity theft and other criminal activity. 

The XXXX credit reporting agencies also failed to take reasonable measures to prevent my identifying information from being used, shared, and sold, after having knowledge of the identity theft and criminal activity. 

I have discovered more criminal activity on the credit report and have filed another identity theft report to have the account information block and permanently deleted.
Product: Mortgage

I got a letter dated XX/XX/XXXX that my house payment went up {$330.00}. I was told this was due to the company paying my taxes which I correct, however, this was an increase for 12 months. this will result in over {$4000.00} which I don't understand why. I have been dealing with this since XX/XX/XXXX doing everything they ask me to do and nothing has been resolved. they have missed applied my payments, paid more taxes and shouldn't have before time, have people come out taking pictures of my house when I am not late on my mortgage. I have a whole pile of paperwork and documentation that I can submit.
Product: Checking or savings account

A third Wells Fargo rep by the name of XXXX XXXX has replied again using same general form response which basically states numerous attempts at resolution made, exhausted all efforts ... As stated numerous times prior and again here, this reply is entirely bogus as there were no such attempts such as reaching out via email, phone, or otherwise. Further, such attempts are not detailed and should be if true.. I can assure the CFPB and any other third party, Wells Fargo reps are lying ... I've called their Executive Office Phone Bank numerous times, reps do not seem to be familiar with mediation program and can not locate a XXXX XXXX, a rep whom replied initially via CFPB portal whom also used reply mentioned above..They attempt to refer me to one of settlement administrators whom have nothing to do with mediation program.. Recently, I've been attempting to resolve fraud check issue, I mailed in an affidavit on or around XX/XX/18 and it was returned back to me. The check copy was mistakenly not included with it, I left a message with a XXXX XXXX about thison XX/XX/18, he assured me he would frwd check copy to fraud with explanation about missing check and email XXXX XXXX in re as well ... It appears he did not as the affidavit was mailed back to me due to missing check copy.. I believe XXXX was supposed to frwd check copy as well, not sure, it appears he did not ... I scanned copy of affidavit and check copy on XXXX, emailed it to XXXX, this could have been avoided had he and XXXX contacted fraud prior as mentioned ... Along with affidavit and check copy, I explained to XXXX that mediation might not be necessary if a settlement amount is available, which I would consider. It appears no settlement offer is available, only through mediation.. In closing, should fraud investigation conclude with no check reissue, I will need an address to mail notice of small claim suit to as I did not receive funds.
Product: Debt collection

I have disputed several medical debts and they get removed and then they keep coming back to my credit report. I have stated it is the law to not show medical debt on Credit report any longer and they keep doing it. I get phone calls. I get paper mail. I get calls after XXXX XXXX The companys dont care
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$500.00} ; XXXX  XXXX XXXX Balance : {$760.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

Ad Astra Recovery at XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX has been sending me collection notices in the amount of XXXX. The collection has been report as pasted due balance. I do no know this company. I have never done any business with this company does not have a contact with my signature.
Product: Debt collection

The Company National Credits Systems has been trying to collect {$4000.00} from me. A debt they purchased from XXXX XXXX XXXX, which was a Civil judgement In the amount of {$970.00} that I actually owe due to unpaid rent. They havent given me any information on how they came to the amount when I have actual copies of the judgment against me. I just want the correct amount reported before I settle with any and all parties.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XX/XX/XXXX