23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen has failed on complying with the CFPB rules on : Early Intervention ( 12 CFR 1024.39 ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin XX/XX/XXXX,13 servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. Ocwen waited for two full year before contacting me about the loan even though I sent a complaint to Ocwen within weeks of the transfer notice. Ocwen has now responded and admitted to the CFPB of this error in a CFPB response that I filed on XX/XX/XXXX. Ocwen stated that the loan was not corrected to comply with a court ordered reaffirmation agreement until XXXX even though Ocwen began servicing the loan in XX/XX/XXXX Ocwen did not comply with Early Intervention ( 12 CFR 1024.39 ) but only allowed the loan to continue to get further in debt putting the debtor in more of a hardship. In my last CFPB complaint Ocwen stated that the sale of the property was placed on hold in this email : Relationship Manager XXXX To : XXXX XXXX XX/XX/XXXX at XXXX XXXX Dear XXXX, We received the documents attached to your emails on XX/XX/XXXX. 

Our records show that our Research Department is currently reviewing the issue regarding bankruptcy agreement that was violated by XXXX  XXXX XXXX when they were the servicer of the loan. The research will take 10 business days but could take 30 days if additional time is needed for them to provide you with a written response. 

Also, please be advised that the foreclosure sale date on XX/XX/XXXX has been put on hold until the research is completed on the loan. 

This account has been assigned a Relationship Manager as a single point of contact. If you have any questions regarding the account or options that we may have available, you may reply to this email or contact Customer Care at ( XXXX ) XXXX to schedule an appointment with the Relationship Manager, XXXX XXXX XXXX XXXX is your designated contact for inquiries and the submission of documents as needed. 

Customer Care is available during the following hours : Monday Friday XXXX XXXX XXXX XXXX ET Saturday XXXX XXXX XXXX XXXX ET this was a deceitful lie. I contacted Ocwen on XX/XX/XXXX to start a open conversation between XXXX XXXX XXXX the previous loan service company and Ocwen to remedy the loan. I discover the sale was not put on hold and the house was sold the next day at auction. Ocwen purchased the property back at the auction for more than what I owed?
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and am personally handling this complaint with no third-party involvement. Ive included letters that explain in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported across XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX X XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX - XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXXXXXX XXXX
Product: Payday loan, title loan, or personal loan

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX are reporting inaccurate information on LENDING CLUB CORP with account number XXXX. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and some things are incomplete and not accurate and according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer repair it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the information concerning the individual about whom the report relate.

I sent a letter ask them to reinvestigate the accounts listed below : Never file a Bankruptcy Open date is not reporting correctly, date last active, date of last payment is not correct. This account it not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notice that the credit card bank for XXXX XXXX XXXX XXXX is cancelling my card. 

There reason is that the new owners of XXXX XXXX are looking to lower the number of cards issued. ( Or that is what I was told by XXXX XXXX ) Will this have an adverse affect on my credit score. 
I had nothing to do with this action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX credit inquiry Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXXXXXX XXXX Requested On XXXX XXXX Requested On XX/XX/XXXXXXXX XXXX XXXX Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX  Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX  Requested on XX/XX/XXXXXXXX XXXX XXXX  Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All these companies are showing up on my credit report that I recieved through my yearly credit report and I have no knowledge of or gave authorization to do any transactions that would require this type of authorization of any sorts.
Product: Payday loan, title loan, or personal loan

Im a military veteran who received a title loan from XXXX in XXXX, Ohio back in XX/XX/XXXX for around {$7000.00}. They kept extending the loan and even changed companies through the extensions and changed terms of the entire loan. I was stuck paying high fees monthly. I probably paid atleast 4 times the amount of the original loan. The company is no longer there. I still have a lien on my title. I was still making over $ XXXX monthly payments in XXXX to the new company cashmax which is no longer there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Equifax for the last few months attempting to get this inaccurate first commerce Account off my credit. 

XXXX and XXXX  has removed this inaccurate account. I have sent Equifax a letter from the first commerce stating the account was incorrect and it was an error. I have asked Equifax for supporting documents such as permissible purpose and original contract with my signature on it. They have not provided me with anything. I sent Equifax an affidavit along with information from first commerce with the company heading and logo stating this account was inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims that they report my payment, remaining loans to all the major credit reporting agencies but I never see it in XXXX, XXXX or Transunion. 
I have reached out to XXXX and XXXX XXXX. XXXX and Transunion are unreachable. When I use my information to create an account it does not work.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/scrub>XXXXXXXX I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 1. XXXX XXXX XXXXXXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX pulled my credit without my authorization. I am trying to get a pre-approval for a home loan and it showed up on my credit report. I remember they asked if I wanted a credit card and I declined. My maiden name is XXXX.
Product: Student loan

I called Naviant to discuss the policies and terms of the forebarance of XXXX of my loans that my mom paid for. I was informed that neither of the XXXX loans were in forebarence and that i could make a payment of {$50.00} each to put the loans in forebarence. My mom had already made a payment of {$150.00} on XXXX XXXX. I was then informed that the payment was not there and the only payment showing was from today that my mother made to forebare the loan she cosigned on, When I was informing the woman named XXXX that the forebarence of all XXXX loans was already paid for, i recieved an attitude from her and her constantly asking if i wanted to make a payment to put my loans in forebarence. It was n't until i read off the exact persons name that she spoke with on the XXXX and the confirmation number that i actually got somewhere and by that time i had to go back to work. I am not impressed with how they handled this situation and would like to know where they payment my mother made for the XXXX loans went and why it was n't clearly noted.
Product: Prepaid card

I received a prepaidgiftbalance card from my work boss for XXXX. I used the card only once when I paid for gas for total of {$25.00}. Then I went to use it the following day and it read as declined, when the balance is at {$370.00}. I tried logging into the prepaidgiftbalance website but it would not let me and said to contact them through phone. So I contacted them at XXXX for a card replacement. They said they to FAX ( XXXX ) them a picture of my card fromt and back, also a picture of my ID front and back and Mail Address. I sent them the pictures in XXXX and resent them again on XXXX. Still to this day I have not received my card replacement. So now Im reaching out for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to my understanding I can't get approved credit do unlawful activity on my credit report apply for credit card to rebuild my account history I requested to be approved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them from my credit report immediately. These accounts are NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in 2019 I went through a company called XXXX remodeling to get an estimate and try to get financed for a new roof. That company ran my name through multiple other companies to try to get me financed. So on my credit report it is showing about 3 or 4 different company names on the same day as hard inquiries. After reading on the fair credit act. It stated that any inquiry for the same purpose with in 30 days would be considered one. I called transunion to try to understand why it was listed as 4 different times even though it was for the same purpose through the same company and the company had tried to get me financed, why is it not one. And the gentlemen I spoke to said it is seperate because its seperate financial companies that they went through. So I am confused as to whether it should really be 1 or 4. I am submitting this because i have recently looked into getting my car refinanced and on their page it says this : " When you go rate shopping to refinance your car loan, you can make as many inquiries as you like within a 30 day period. All of these inquires will be treated as one single inquiry as far as your credit score goes. Auto refinance lead finder services, like XXXX, are ideal in this situation since they can make inquiries to nearly one hundred different lenders all with little to no impact on your credit score. '' So to me I feel I am being misled into allowing multiple things attack my credit when they are advertising it to only be considered one inquiry.
Product: Checking or savings account

I am filing a complaint with navy federal regarding overdraft fees that I incurred. Funds were available during the time of authorized transactions, but due to slow posting I was charged with overdraft fees. I believe the practice is unfair and wish to have it investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/2021, I received a telemarketing call offering credit repair services, the person on the line asked me basic question, then asked me to please hold for a specialist. In doing so that person never disconnected from the call while I was providing to the Specialist from XXXX XXXX XXXX. 

Shortly after, on XX/XX/2021 my XXXX XXXX  Checking Account was charged for XXXX dollars for several items of make-up. 

Also, on XX/XX/2021 my XXXX account was accessed without my consent. Upon my reviewing the XXXX account had fraudulent purchases. I reported this issue which was resolved. 

As of current I reviewed my credit report and noticed that during the same time frames there were several fraudulent inquiries : * One Main Financial XX/XX/2021 * One Main Financial XX/XX/2021 * XXXX/XXXX  XX/XX/2021 * XXXX/XXXX XXXX XX/XX/2021 I am requesting that all these Fraudulent inquiries be moved from my credit report immediately from all Personal Credit Reporting agencies specifically XXXX, XXXX  & XXXX. 

Please send me any communication on this matter directly to my email below. 

Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATE ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company,
Product: Bank account or service

On or about XX/XX/2016 I applied for refinancing on two of my properties at Wells Fargo bank, after the initial interview from the loan XXXX he requested and authorized Appriasels on both properties at a combined cost of appr {$1500.00} for both, after the valuation came in my loans where denied based on income, debt ratio, I requested a a refund on the money spent for the appraisals after Wells Fargo sent me a letter that they wanted to redeem themselves by refunding money customers spent on unnecessary services, I contacted Wells Fargo representatives starting in XX/XX/2016, after several calls to and from myself to them, and them to me, it appears no progress has been done.i need some direction as to how to proceed with this, your time and consideration in this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I found multiples errors and violations of my rights under FCRA and these accounts must be deleted. TransUnion failed to complete a full investigation and remove inaccurate data from my credit file. 
XXXX  XXXX XXXX XXXXXXXX Account repeatedly reporting C/O every month on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. Re-aging the account is illegal. Account must be removed. 
XXXX  XXXX XXXX XXXXXXXX Account repeatedly reporting C/O every month in XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Re-aging the account is illegal. Account must be removed. 
XXXX XXXX  # XXXX Account reporting as C/O every month on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Re-aging the account is a violation under FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX Multiple inaccuracies ; report do not indicate when/if account has been sold, and not reflecting a {$0.00} after transferred/sold/paid. Account showed closed as XX/XX/XXXX but TransUnion is reporting as 120 days late on XX/XX/XXXX. Violation under 1681i. Delete Account. 
XXXX XXXX XXXX XXXX  XXXX TransUnion and Creditor was unable to provide a validation of debt Pursuant 12 CFR 1006.34. Certified Letter sent on XX/XX/XXXX and failed to respond. Delete Account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is NOT reporting immediately the changes to my account when the Balance is lower than the previous statement or previous month. But when I am using the available credit and when it increases in any given Week, XXXX XXXX XXXX XXXX immediately reports the same to the Credit Bureaus. 

I tried calling the XXXX XXXX customer service several times previously but they said it takes around 60 days, that is TWO BILLING cycles for the reduced amount to reflect in the Credit reports. 

But how come the increase in the usage of the available Credit card balance is reported immediately to the Credit bureaus? This is fraudulent and purposeful misrepresentation of Consumer information to the Credit Bureaus which ultimately harms the Consumers with credit score not increasing and a blockage in getting further credits or loans or better interest and credit terms. 

When I called the XXXX  XXXX about another issue, the Customer support supervisor warned me that my Credit card ending in XXXX is not current and under Risk of being initiated some negative actions by the XXXX  XXXX. I had recently disputed the account balance with TransUnion vide request noXXXX through the XXXX XXXX XXXX This is how the Consumers are warned of if they report the matter to law enforcement authorities or the Credit Bureaus. It's a real case of tyranny and against the XXXX principals of USA. 

Also, I have an Auto Loan with XXXX XXXX and the outstanding balance are not at all updated as and when the Principal amount reduces. 

I request that CFPB take immediate action against these unscrupulous Banks and order them to pay the Consumers adequate financial compensation for all the misery and agonies with the so called system of Credit reports. It's nothing but an open CORRUPTION WHICH IS KILLING THE DEMOCRACY OF THE NATION. 

There is no doubt about the Tie up of Credit Card issuers and the Credit Bureaus which could lead to a Bad faith complaint under Anti Trust law. The fraudulent Tie-up of the Loan providers with the Credit Bureaus needs an indepth Investigation by the FTC and CFPB, being a watch dog of Financial services in USA.
Product: Student loan

XXXX of XXXX  was my last payment month towards my public service loan forgiveness, meeting the 120 payments required. I submitted my paperwork from my employer in XX/XX/XXXXXXXX  in hopes it would get evaluated prior to loan repayments re-starting. 

I received a letter from Mohela on XX/XX/XXXXXXXX  that I only had 118 payments as they did not count my XXXX and XXXX months in XXXX  as eligible. I have had the same employer ( a non-profit hospital system ) since XXXX and they have counted every other payment including earlier in XXXX  but not the remaining two that I needed. 

I called their customer service and spoke with someone after a 1.5 hour wait. This person said they would submit a note for someone to review my paperwork again as it was likely a mistake or they just hadnt counted those months yet. They do not provide anyone to contact again about your same issue and no one will follow-up with you to ensure it is handled. 

After no change I called customer service again and talked to someone after another 1.5 hour wait and this person informed me that my employer was showing as undetermined on their non profit status for XXXX and XXXX so that was the reason for those months not being counted. Even though when I search my employer on the federal database they do show up as a non-profit. 

I took this persons advice and submitted a form from my employer verifying their non-profit status on XX/XX/XXXX. I then spoke with customer service again to see if someone could review this form right away and was informed this was absolutely not possible. I would have to wait the additional 45 days to have this form reviewed. 

In the meantime I had to start making payments while waiting on the determination as they can not put you on forbearance until you are approved for 120 payments. Even though I am now at 123 payments. This has added an unnecessary financial burden on me that I was not expecting.