23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello.I complained several times to cfpb about my mortgage lender XXXX ( loan servicer ocwen ) .they didnt approved us for HAMP modification of their own.XX/XX/XXXX up to XXXX XXXX ocwen took several HAMP Application from us, but never approved us for hamp.why ocwen is telling cfpb.mha, hamp solution they gave us hamp tier XXXX and we failed to pay, or didnt sent the agreement documents on time or pages were missing from agreement, etc. ocwen gave us previous lender ( Indymac Banks 's ) hamp modification which we refuse to accept, because it was not affordable payment.. .then ocwen put our home in sheriff sale XXXX/XXXX/XXXX and made us file bankruptcy .it ruined our credit. ocwen put our home in sheriff sale again on XXXX. they took another trail payment amount of {$2400.00} on XXXX/XXXX/XXXX for XXXX modification ( which has conditions in it ) .why ocwen is not giving us hamp.. please let us know what ocwen is trying to do to our home. ocwen is keep saying we rejected the hamp in the past and it was not from ocwen. since XXXX we are trying to get home affordable modification. both lenders were keep excusing to offer us home affordable payment modification program. both banks know they dont lose any thing, but we do. I put this matter in president obama 's attention twice.thanks..previous lender gave fraud loan on false income documents.this lender wants to sell my house.
Product: Mortgage

I refinanced my home at the beginning of XX/XX/XXXX. Due to that, my property taxes were paid twice ; once through my escrow account with my mortgage company, United Wholesale Mortgage, and a second time through the title company as part of the closing on my refinance. The check from the title company was cashed first by my county. The money paid from my escrow account was refunded on XX/XX/XXXX by wire transfer. I have the wire transfer number from my XXXX XXXX. I contacted United Wholesale Mortgage on XX/XX/XXXX to find my refunded property taxes. I was told that it would take XXXX business days for them to send an inquiry to the third party, XXXX, who handles the payment of property taxes. On XX/XX/XXXX, I inquired again. I was told that there was no information and that until my money shows back up in my now closed account, they can not help me. I have provided the wire transfer number and the date. To this date, no one has contacted XXXX to verify the wire transfer back from my county. I have called multiple times, sent an email and a letter. I have not gotten any information. I have asked for the phone number to XXXX, the company that my county sent the wire transfer to and United Wholesale Mortgage has agreed paid my property taxes. XXXX will not give me a phone number to track down this on my own.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following accounts : A personal credit card account opened at XXXX XXXX under the account number XXXX An account opened at XXXX under the account number XXXX An auto loan account opened at XXXX XXXX under the account number XXXX An account opened at XXXX XXXX under the account number XXXX An account opened at XXXX XXXX under the account number XXXX An account opened at XXXX XXXX XXXX under the account number XXXX An account opened at XXXX XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing about my previous attempts to address the fraudulent items on my credit report. Despite multiple efforts to rectify this issue, the fraudulent items persist on my report, adversely affecting my financial standing and peace of mind.

Furthermore, I ask for transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential.

I kindly request a thorough investigation into these fraudulent items and their immediate removal from my credit file. I have attached supporting documentation once again to facilitate the process. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well Fargo continues to claim that they've thoroughly reviewed this matter, but in reality all they've done to date is keep reiterating without merit that this matter has been previously addressed. They state this claim without actually seriously looking into my then financial situation without any legitimacy and emphasis on assisting the financial hardship I had to endure as a direct result of their toxic and destructive loans. The loan in question, a PICK-A-PAYMENT loan, has been found to be one of the most self-destructive Mortgage loans ever developed by any U.S based mortgage lender XXXX Wells Fargo had to dole out millions in restitution via a " settlement '' and was supposed to assign a specialist to help modify said loans into restructured loans that would help save ones primary residency. Wells Fargo once again duped the courts by concocting modification approval formulas and mythology that favored their agenda and interests. I know this as a matter of fact due to my financial troubles that this very loan has subjected me to personally. To merely take principle, interest and penalties owed, slap it all on the back of the loan, keep the very same terms and conditions in place that caused the ruin to begin with and call it a " Modification '' is nothing less than insulting and deceptive. I will not go away and I will not stop fighting until Wells Fargo makes fair and equitable compensation for my loss. 

It is of known fact that Wells Fargos software algorithm resulted in Wells Fargo " mistakenly '' foreclosing on hundreds of homes over an eight year period ( XXXX XXXX XXXX XXXX XXXX  During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX XXXX & XX/XX/XXXX appeal ). These modification decision outcomes were critical and paramount in maintaining home ownership of the property known as XXXX XXXXXXXX XXXX XXXXXXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive Pick-A-payment loan that myself along with millions of other predatory lending victims were subjected to, XXXX XXXX XXXX XXXX ) the cost impact to such a toxic loan to this day keeps on eating away at its victims financial means in so many devastating ways.
Product: Vehicle loan or lease

a check for final payment was received XX/XX/XXXX. I did not receive paid in full notice until XXXX XXXX, 2024. I contacted Bridgecrest XXXX XXXX, XXXX and inquired when I would receive the overpayment around XXXX I was advised that it could take XXXX business days. I was told to call back in a day to see if they have started the refund process, the rep stated she marked my account to expedite. I contacted Bridgecrest and was told that I would not get a refund. I was sent a transaction history of all payments with principal and interest charges. This clearly shows the debit going down. The final shows receipt of payment and an extra {$610.00} interest charge with no explanation. 

Coincidentally this is the overpayment amount plus a {$5.00} late charge I called with no return call and sent an email with no response. 

This company takes advanategous of those who need a car and have bad credit due to XXXX. With their enormous interest charges.
Product: Debt collection

This. company M.G. Credit appears on my credit report for {$1100.00}. This debt does not belong to me - I have been XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Product: Student loan

When Navient took over my loans, my principal balance seemed to go up by over a thousand dollars. I never missed a payment, and as of XX/XX/2016, my principle balance should be XXXX or less. I still owed more than XXXX after XX/XX/XXXX. I noticed this and thought I made a mistake, and maybe I have, but I do n't think so.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove incorrect unauthorized accounts and reverse late payments from report
Product: Money transfer, virtual currency, or money service

My friends Zelle phone number was incorrect and the information was not updated. Therefore payment through zelle was never received. I was unable to receive refund after calling my bank.
Product: Credit reporting or other personal consumer reports

I am filing this as notice to the collection agency/creditor and reporting agencies as they are reporting a fraudulent account on my credit file. I have never applied for credit or obtained credit in anyway and have always paid cash for every purchase including auto purchases. Please see uploaded letter to the reporting agencies and XXXX XXXX regarding a fraudulent account for XXXX XXXX reporting to my credit files.
Product: Credit reporting

XXXX IS KNOWINGLY REPORTING FALSE INFORMATION TO ALL CREDIT BUREAU 'S. THEY STATE I OWE {$700.00} FOR UNRETURNED EQUIPMENT. I TURNED THE EQUIPMENT IN OVER 5 MONTHS AGO. THEY FIRST STATED THEY COULD N'T FIND THE EQUIPMENT, THEN THEY SAY THEY DID FIND IT AND ISSUED ME A RETURN TICKET NUMBER THAT I WAS SUPPOSED TO BE ABLE TO USE FOR XXXX TO VERIFY THE EQUIPMENT HAD BEEN LOCATED AND THAT I WOULD SEE THE ACCOUNT REMOVED FROM MY CREDIT REPORT DUE TO THEIR NEGLIGENCE. I SEEN NO CHANGES IN MY REPORT OVER THE NEXT WEEK OR SO, SO I CALLED TO CHECK ON THE STATUS OF THE UPDATE. UPON CONTACT WITH A SUPERVISOR BY THE NAME OF XXXX IN THE BILLING DEPARTMENT, SHE CLAMIED THE EQUIPMENT HAS NEVER BEEN LOCATED, AND THERE WAS NO SUCH RETURN TICKET NUMBER ON FILE. SHE ALSO STATED THAT THEY KEEP A LOG OF NOTES ON FILE AND THAT I NEVER CONTACTED THEM BETWEEN NOW AND XXXX. I 'VE CALLED OVER XXXX TIMES IN BETWEEN NOW AND XXXX, AS WELL AS AT LEAST XXXX TIMES SINCE THE ACCOUNT WAS CLOSED. NOT ONLY ARE THEY FALSELY REPORTING A DEBT THAT I DO NOT OWE, THEIR LYING TO ME AND I HAVE A LOG OF DATES, TIMES, AND REPRESENTATIVES THAT I HAVE SPOKEN TO ON SEVERAL OF THE PHONE CALLS I HAVE MADE.THIS COMPANY HAS MADE NO EFFORT TO CORRECT THEIR OWN MISTAKES, THEY SAID I JUST HAVE TO WAIT TIL THEY FIND THE EQUIPMENT ( WHICH HAS ALREADY BEEN FOUND ), AND THEY WILL KEEP REPORTING THIS DEBT ( FALSELY ) UNTIL ITS LOCATED. THIS IS NOT ONLY UNFAIR, BUT IS A VIOLATION OF MY RIGHTS! I HAVE BEEN DENIED CREDIT, LOANS, REFUSED CAR FINANCING, DENIED APARTMENT LEASES, AND HAVE SUFFERED GREATLY OVER THE PAST 2 YEARS DUE TO THE NEGLIGENCE AND IMMORAL NATURE IN WHICH THIS COMPANY CONDUCTS BUSINESS OPERATIONS. I LOCATED A XXXX COMMUNITY ON THEIR WEBSITE, ONLY TO FIND THAT I AM NOT ALONE IN THESE ISSUES IM HAVING WITH XXXX. THERE ARE DOZENS OF FORMER CUSTOMERS STATING THEY HAVE HAD THIS EXACT SAME ISSUE. I JUST RECENTLY GOT THEM TO DELETE A DEBT FROM 2009 THAT WAS FRAUDULENT, AND I REPORTED IT TO THEM YEARS AGO. THE AMOUNT OF TIME IT TAKES THIS COMPANY TO RESOLVE INACCURATE INFORMATION IS RIDICULOUS AND SOMETHING NEEDS TO BE DONE ABOUT IT! THEY LIE ABOUT EVERYTHING, AND I FEEL HIGHLY INSULTED THAT THEY TREAT THEIR CUSTOMERS THIS WAY. IF IT WAS N'T FOR THESE DISHONEST, DEFAMING, AND MALICIOUS ACTS COMITTED AGAINST ME, I WOULD HAVE PERFECT CREDIT.
Product: Money transfer, virtual currency, or money service

Someone filed a tax return in my name to get the last stimulus check of {$1400.00}. I was incarcerated at the time of activity. They e filed the return. The IRS put the return on a XXXX XXXX  card. ( now XXXX XXXX  ) The person ( s ) opened a Chime Bank account in my name then had the funds transferred over. I tried to dispute the claim with XXXX but they said I could not because they thought it was me. 

I contacted Chime and they closed the account but would not give me any information on the account. No amounts, account numbers, dates, anything. After begging one employee she told me the amount was {$1300.00} ish because of a transfer fee. 
I contacted XXXX XXXX  and they also closed the card account. The only info the gave me was that {$1400.00} had been put into there by the IRS but was taken out and put into a Chime account in XXXX of XXXX. If I am remembering the date correctly. 
I uploaded a police and an FTC report with Chime along with proof of my social security number. Chime told me they were going to send me info but after weeks I had to reach back out to them to get a confirmation email saying they are working on it. 

On XX/XX/XXXX, I received a letter stating of a debt for {$1300.00} ish from XXXX XXXX  whom Ive never banked for a retail credit card. ( no name on retailer ) Im not sure if they are directly related but noted for report purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent in a letter via certified mail to the XXXX XXXX XXXX XXXXXXXX XXXX that was received on XX/XX/XXXX at XXXXXXXX XXXX. This letter states that they are furnishing innacurate information that is negatively impacting my ability to obtain credit and should be removed in 10 Calendar days. Today is now XX/XX/XXXX and the innacurate accounts are still on my report. I sent another notice to XXXX XXXX XXXXXXXX via priority mail of XXXX requesting my 1099-c on XX/XX/XXXX to which hasnt received a response. They are willfully noncomplying and it is damaging my credit profile.
Product: Credit reporting

I noticed in XXXX that a lot of inquiries popped up on my credit files out of nowhere on my Transunion report. I called them they told me that they are taking them down and I should see it off of the report and that they apologized for any inconveniences that it caused. To this day all XXXX inquires are STILL sitting there and I have called profusely to get them removed a lot of them have hung the phone up in my face and was very rude to me. I NEVER got a 5 day notice about any thing that was going. I informed them of that and they still did nothing about it ( FCRA Violation ) I spoke with Anye, XXXX, and XXXX today and XXXX and XXXX hung up me after stating that their supervisor told them that its nothing that they can do about the inquiries. I asked them so are you going to sit on a recorded line and openly admit that you and Transunion are operation this issue in FCRA code violation? They said that 's their job!! ARE YOU KIDDING ME? These are people life 's that are being effected here, not some random stray dogs off the street. Theses XXXX inquiries need to be off immediately. I am also contacting the XXXX XXXX XXXX about this..!!!!!
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION TXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I was in the XXXX XXXX and purchased a XXXX XXXX XXXX in XXXX of XXXX. Hyundai financed it at more than {$10000.00} OVER the value of the car. ( All documents attached ). They never should have financed this vehicle. We contacted Hyundai and the dealer within XXXX hrs of purchase, expressing concerns. Hyundai employee stated basically that since I was military I would have to pay the car loan or get in trouble with military. ( see attached notes ) The concern was this loan was WAY MORE than the vehicle and never should have been made. All other banks declined a loan stating we wanted more than value of car and it is not possible. Hyundai approved it immediately. Frustrated I continue to pay the car. I should NOT have signed the finance papers but being young and stupid I did. However, Hyundai should NEVER have agreed to finance this vehicle for so much over. I have been paying on this car for XXXX XXXX years and found out you might be able to help me. I would like to either have Hyundai take the car back and relieve me of this loan ( with no effect on my credit XXXX or clear me of the loan and let me keep the car since I 've been paying it for over XXXX XXXX years.
Product: Mortgage

Applied for a loan with Loan Depot in fall 2021. Was charged an appraisal fee for the loan. Appraisal never took place, loan was declined. For at least the past month I have attempted to have the charge returned, it was approved two weeks ago and still no return of the fee.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the ongoing issue concerning the removal of charge-off accounts with incorrect balances and inaccurate items from my credit report. This marks my multiple attempt to address this matter, and I am deeply frustrated by the lack of resolution and the continued presence of these inaccuracies. Since I have provided all necessary documentation and adhered to the required procedures to dispute these erroneous entries. Despite assurances from Credit Bureaus that the issue would be resolved, the charge-off accounts with incorrect balances on my credit report, along with other negative items that should have been removed. 

The persistent presence of these inaccuracies is severely impacting my creditworthiness and causing significant stress and inconvenience. It is imperative that this issue be escalated within your help to ensure a thorough and expedited resolution. I have no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. Please help me remove these negative items 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 XXXX XXXX XXXX XXXX XXXX XXXX