23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is more of a letter to CFPB. I have filed complaints for the last 8 yrs. and CFPB has done nothing. After 8yrs. with OCWEN and XXXX XXXX XXXX XXXX. and, after all the lies, stealing, and cheating and a Judge that was just too tired to hear my case - OCWEN and XXXX XXXX. have managed to get my case thrown out. Mainly because even though Ocwen and XXXX XXXX. they have lied, stolen and cheated me personally and others nationwide, even though what they did was unlawful and morally wrong the law was on their side. And as many times I sought help from CFPB - you did nothing on my behalf or anyone else. I'm not bitter. I am a formidable opponent. My hats off to Ocwen and XXXX  XXXX  XXXX   XXXX. They had to spend 8 yrs and money and has to find a Judge that was willing to go along with them and lie, cheat and steal they were finally able to beat me. Ocwen should have been bankrupt years ago and the CFPB has tried to unsuccessfully to aide in that process and yet has been totally unable to, even though I have been here all along you did not even seek out my assistance or for that matter anyone else who has been ruined by this company. 
Anyway, that's all I have. Because of their corrupt ways I have been ruined. 

In closing I, see no reason for this office to exist. 

Thanks for everything, XXXX XXXX
Product: Mortgage

United Wholesale Mortgage keeps putting false forced-coverage on my property. 

This started since last year, XXXX I purchased homeowners insurance with XXXX XXXX XXXX for the property in XXXX. UWM told me that the coverage was insufficient. But the whole time, they insisted on me having to buy Wind Insurance. I am in Florida and I must have hurricane coverage, which I did have. But I never needed wind coverage. Although they cover the same things, one is required in the state of Florida ( hurricane ) and the other is not required, unless a property is on the coast ( which mine is not ). 

I reached out to UWM and I was instructed of the discrepancy. I was instructed to reach out to FEMA to get a Letter of Map Adjustment ( LOMA ) to remove the wind coverage. I reached out to FEMA but LOMA is only to remove flood insurance. I must have flood coverage because I am in a AE zone. I sent the letter along with transcript from FEMA about the misinformation. UW lied about receiving a letter from FEMA about wind adjustment. 

After all this back and forth, they purchased wind coverage on several occasions while I had a homeowners policy with hurricane. Up until the XXXX of XXXX of this year, I am threatened with a notice to purchase Wind coverage, all this while I have sufficient homeowners with hurricane coverage. 

UWMs unwillingness to revise the contract and insurance are causing me great stress and great imbalance on my escrow account. They render the house unaffordable. My mortgage was XXXX in XXXX, XXXX in XXXX, but is currently XXXX with the possibility of an additional XXXX per month. The monthly payment is projected to be XXXX starting in XXXX. I reached out on several occasions but they are unwilling to drop the unnecessary forced coverage, which is unlawful.

This practice hurts minority homeowners, and this is painful to imagine that a services is operating outside of the legal realm because of little oversight.
Product: Student loan

The U.S. Department of Education issued XXXX XXXX a XXXX-Total, Permanent XXXX- which clearly means that I do not have to pay back my student loans. I was served XXXX XXXX, with a Civil Suit by XXXX XXXX XXXX XXXX XXXX XXXX. I have sent them copy of my XXXX several times in XXXX. I have filed a response with the XXXX of XXXX XXXX of XXXX County Pennsylvania. I asked the court to dismiss and cease this civil case. We did file bankruptcy in XXXX. The statute of limitation in PA is four years. There were no payment made on these loans since XXXX. President Obama signed an executive order last XXXX XXXX to expedite these XXXX proceedings to stop these collecting activities for XXXX students. My main concern is how does XXXX XXXX think they can interpret federal law to their collection procedures of student loans? XXXX XXXX, and XXXX have issued me notices that the loans are forgiven. My compliant is clearly this : XXXX XXXX needs to adhere to federal laws pertaining to credit and collections practices as set forth by the United States Congress in regards to student college loans.
Product: Debt collection

I am currently receiving debt collection letters and have a false negative collection report on my credit report filed by Resurgent Receivables LLC. Resurgent is claiming that I owe a debt from XXXX XXXX  ( XXXX XXXX ) in the amount of {$7700.00} dating back to XX/XX/2014. My identity was stolen back in 2014. XXXX XXXX, after investigating the charge on my account, determined that I was in fact the victim of fraud and that the debt was being cleared from my account. I possess a letter from XXXX  XXXX dated XX/XX/2014 stating that the fraudulent information would be deleted from my credit report and that the updated information would be reported to XXXX, XXXX and XXXX XXXX credit bureaus. This matter was closed six years ago and I am STILL suffering consequences.
Product: Debt collection

I checked my credit report and noticed an account reporting from Diversified Consultants for XXXX XXXX. I have never had a XXXX XXXX account and disputed this trade line as fraud. I have contacted Diversified and made them aware that this is the result of identity theft but they have yet to delete this trade line and close the account. I have filed a police report Tracking Number XXXX as well as contacted the FTC for identity theft reference number : XXXX. I am going to file a complaint with the state of Florida Department of Consumer affairs for harassment as they have contacted me by phone at home, work and by way of postal mail even after I have ordered them to cease and desist. I'm going to file a violation of the TCPA as well for contacting me via phone about a debt resulting from identity theft.
Product: Mortgage

This is a continuation of the last complaint number XXXX. 

XXXX XXXX transferred my loan to Shellpoint Mortgage Services effective XX/XX/year>, after admitting their error. Whereas, Shellpoint Mortgage Services has caused just as much confusion as I was experiencing with XXXX XXXX with my Tax Escrow account. 

Shellpoint Mortgage monthly statement included my tax escrow in the XXXX. payment and then change it to principal and interest only thereafter. It's been a real challenge to conform with Shellpoint Mortgage. Because my monthly statement is principal and interest only. So, I requested a refund of my tax escrow from Shellpoint Mortgage that I initially paid because Shellpoint Mortgage initiated the change of responsibility. Okay, I get it. 

I paid my XXXX. semi XXXX Property Taxes on XX/XX/year>, and has scheduled the second payment due in XX/XX/year>. Now, after complaining to Shellpoint Morgage about my reimbursement of my tax escrow being held by Shellpoint Mortgage, I receive a letter from Shellpoint Mortgage stating that my loan modification calls for the mortgage company collects and pays the property taxes. 

Attached is a paper trail of what I've been and still going through with the new mortgage company.
Product: Credit card or prepaid card

GM card, I could not log onto the GM card website to pay my monthly bill, due to a new verification process. I realized I could not find the card. On XX/XX/XXXX, I called customer service to request a new card and pay the bill. I was inform by GM Card ( Capital One ) would not re-issue the card until the account was current. I paid by check over the phone and informed I would have to call customer service back in a few days, after the check was processed. I called back on XX/XX/XXXX and requested a replacement GM card and reported my card lost. At that time I was informed that I would receive the card in 4 days. On XX/XX/XXXX I recieved a Capital One XXXX card. When I called Capital One and spoke to XXXX the supervision, ID # XXXX. She told me a new GM card had been issued but not sent, because my payment had lapsed. I informed XXXX, I do n't receive a paper statement and ca n't log on my account because of the new verification that requires that I enter the security code on the back of the card, which they will not send me.
Product: Vehicle loan or lease

Hello this is the most ridiculous problem I had with any company. One person said from Chrysler Capital I can't make a settlement offer. The next time I called they said we only do it for bankruptcy I stated I was in bankruptcy so misleading. The third time she told me we do settlement offers and transferred me to another department and I talk to a gentlemen he stated we never do settlement offers ever. So, misleading and they sold my loan to a collection agency. This could have been avoided if 4 employees did not say different quotes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, is a financial institution by definition under 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX XXXX, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in dispute with this account with XXXX, Equifax, and XXXX, and it is still being improperly reported. The amount is for {$5800.00}, the date the account was opened was XX/XX/2020.
Product: Debt collection

I have requested this company stop calling me numerous times. I 've called back and asked to speak with a supervisor, was hung up on several times, finally got through to somebody claiming to be a supervisor and assured I would no longer be called. I explained I would file harassment charges. They 've called back and the same scenario has played out for the XXXX time today. I do n't know XXXX XXXX He obviously had this number before me. I believe XXXX XXXX is deceased to be completely honest.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

2017 Equifax data breach. Like millions of others, my personal information, including my name, Social Security number, birthdate, and address, was exposed in the breach along with negative and closed accounts. Since then, I've been concerned about all the information I had to fill up to file my claim and couldn't get an answer from the claim administration. 
but then I got an email stating my claim was denied because i did not reply to an email on time. altho i had a claim number and successfully completed all requirements, it was a nightmare and still is my worth nightmare. my identity was stolen in the 2017 data equifax data breach 2 bank accounts were wiped out and closed with negative valance multiple accounts were opened with my name and social security i stll have all those account on collection under my name. 
my credit has been less than poor and experience homelessness with XXXX XXXX childrens including XXXX XXXX XXXX. 
where is the accountability for equifax company to help me get a breath of fresh air. my wife got so sick and so did I thankful for medical and calfresh, it has been a blessing to stay alive and still hope that one day life will be back to stable and suitable for our children to grow healthy and become good members of our society. 

i don't ask for more than was taken from me or maybe just half of it know i can't take back all the pain and suffering thats been rooted on the misery of our journey that i was going so well for my wife and I a newly wed relationship with no honeymoon ever.
Product: Student loan

XXXX is guarnishing my wages for my student loan without sending notice to me.. started today XX/XX/2019 for {$110.00} weekly. i was shocked as i had no notice, no phone messages, nothing! 
I have no documentation to include
Product: Payday loan, title loan, personal loan, or advance loan

I BELIEVE THE TERMS LISTED IN THE LOAN AGREEMENT VIOLATE STATE LAWS REGARDING PAYDAY LOANS. 

XXXX XXXX XXXX XXXX  : A licensee may charge, collect, and receive only the following fees and charges in connection with a short-term loan : ( A ) Interest not exceeding a rate of 28 % per annum ; ( B ) ( 1 ) Except as otherwise provided in division ( B ) ( 2 ) of this section, a monthly maintenance fee that does not exceed the lesser of 10 % of the originally contracted loan amount or {$30.00}, provided the fee is not added to the loan balance on which interest is charged ; ( 2 ) A licensee shall not charge, collect, or receive a monthly maintenance fee if the borrower is a person on active duty in the armed forces of the United States or a dependent of that person.

( C ) If the originally contracted loan amount is {$500.00} or more, a loan origination charge in the amount of 2 % of the originally contracted loan amount, provided the loan origination charge is not added to the loan balance on which interest is charged ; The interest rate on my loan far exceed this at 541.21 % The amount financed : {$800.00} 28 % on top of {$800.00} = {$1000.00} https : //www.ustatesloans.org/law/oh/ # : ~ : text=According % 20to % 20Ohio % 20state % 20law, at % 20a % 20time % 20is % 20allowed.

According to Ohio state law, payday lending is legal.

Ohio has a {$1000.00} payday loan limit. Payday loans can be taken for the period from 91 to 1 year with a maximum interest rate of 28 % ( APR ). One loan at a time is allowed. No rollovers are allowed. Criminal actions are prohibited. 

I am going to need some kind of response regarding this, it seems the terms are illegal and I will be seeking legal guidance or potentially a lawsuit/ bankruptcy to deal with this. 

Please reach out promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX  XXXX Balance Owed : {$170.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Owed : {$1900.00} ; XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$520.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/2022.
Product: Checking or savings account

I stayed at a couple of hotels on XX/XX/XXXX and XX/XX/XXXX and there was a incidental hold put on my card for XXXX and XXXX dollars. Upon checking out and bout XXXX days at most the merchant releases the hold and forfeits all stake in the funds. At this time I would usually them have access to my money, even contacted the merchant to get invoice of said release. Now Cash App then chooses to then hold my funds for another 30 days for unseen reason since they have never had stake to my funds they without cause denied me of all access to my money. Without rendering proof or written explanation they won't release my money so then I can close my account and be done with them entirely. They simply tell me there is no other action they can preform so let 's move on.
Product: Debt collection

Where does XXXX XXXX XXXXXXXX XXXX XXXX get permission to report public information on my consumer report who gave XXXX authority to collect my information and then sell it? Please provide authenticated and signed documentation showing that they received permission/ consent to report this on my consumer report please also provide verification of such alleged debt if you can not provide so delete the account from my consumer reports it is an unfair and deceptive acts and practices to report on the consumer behalf without their consent and permissible purpose.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXX continue to report the same account multiple times on my consumer report. Which is causing me harm. This is inaccurate reporting. There are several inconsistencies listed from each reporting agency and I have repeatedly asked for the account to be deleted. This means Transunion, XXXX, and XXXX continues to willfully violate federal which states they MUST report accurate information and validate any information that is believed to be inaccurate. This information has not been properly verified as the information is not consistent with each reporting agency which makes it impossible to validate as accurate. 

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 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 - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. 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 card or prepaid card

I am writing now in wish to obtain your help. Currently I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important part in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/XXXX and I am submitting this in order to have this remark retracted. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is AGAIN, following it's XXXX status quo history of continuing it's negligent business practice of systemic institutional racism. They have AGAIn for the 2nd time this year erroneously inaccurately report my account number XXXX 60 days late.I have NEVER paid my mortgage account 30, or more days late!!! 

In addition, all this despite the attached documented legal forbearance agreement that I was extended, and agreed too from the date of XX/XX/XXXX2020 to XX/XX/XXXX2020 3 months still in existence, and XXXX XXXX   having sold the loan per the attached XX/XX/XXXX/20 letter notification documentation to XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX20, per Also, per the legal forbearance agreement it was/is CLEARLY stated that NO late payments, or late payment charges would be reported to the credit reporting agencies. Which is again, is evident of XXXX 's status quo systemic institutional XXXX business practice wrongly attempting to damage, and suppress my credit worthiness, and employment viability with the erroneous inaccurate late payment reporting.