23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, XXXX and XXXX XXXX filed for a modification to Ocwen Loan Servicing, LLC for my husband and me. On XX/XX/XXXX, a letter was sent from Ocwen to us that the application was complete as of XX/XX/XXXX. However, on XX/XX/XXXX, a decision letter was sent out to us and this came as a surprise to us because it was a denial letter for the modification. The result was astounding. It explained that our home is worth too much money. One would infer that if our home costs much more than what we owe the bank, then that would be a good reason for us to get the modification for the property. However, this was not the result. Therefore, it stunned the people of the company who were assisting us and we were also astonished. The reason is that, XXXX and XXXX XXXX told us that they have been doing modification since XXXX and they have never heard a reason like that before and the same applied to us. Thus, XXXX and XXXX XXXX told us that they appealed that decision. 

As seniors, with a meager total combined income from Social Security 0f {$1100.00} plus {$600.00} from one of our daughters who are helping us, how does Ocwen think it is possible for us to pay {$1500.00} each month for mortgage payment and to survive? 

Please see what you can do to help us and thank you for your Kind consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed a dispute in regards to XXXX XXXX XXXX Account Number : XXXX It has been well over thirty days and I havent received any investigation results.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, XXXX XXXX, with D.O.B XXXX XXXX, : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit cards and accounts opened XXXX ) XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) which this was an account that was bought from XXXX in which I DID NOT apply for, XXXX ) XXXX XXXX XXXX XX/XX/XXXX under the account ( XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) which was an account that was brought from XXXX XXXX XXXX in which I DID NOT apply for. These accounts have resulted in several fraudulent hard inquiries and fraudulent 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 ( XXXX ) 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

theres a inquiry for XXXX XXXX on my credit report, i did not authorize the use of my social security to this company nor I interested in this company.
Product: Debt collection

I cosigned a private student loan for my daughter. The debt was originally with Climb XXXX. My daughter and I reached out to climb XXXX on XXXX XXXX to advise that we would like to pay the debt. We was advised that the loan was no longer with them and given to collection company XXXX XXXX. The loan was sent to the collection company XXXX XXXX. The debt was paid off on XX/XX/XXXX in full and was advised that XXXX XXXX would send a letter to delete the debt to all the reporting credit bureaus within 90 days of payment. My daughter received a letter through email from XXXX on the date of payment XXXX XXXX and forwarded it to myself. As of XX/XX/XXXX the debt remains on credit report with XXXX, XXXX, and XXXX. We called and spoke with XXXX at XXXX on XX/XX/XXXX and was advised that they had sent communications to all credit bureaus to delete the debit and that was for myself included due to being a co-signer on the loan. We advised XXXX that the debt was still present and XXXX advised that we needed to deal with credit bureaus directly. We called and spoke with a representative at XXXX that same day as to which we were advised they had not received any documentation from XXXX XXXX. 



The account number of the debt is XXXX
Product: Mortgage

I submitted complaint ID # XXXX on XX/XX/2019 against XXXX, which is a division of Alabama Housing Finance Authority. 

Not only has neither company responded to my submission, I have since been locked out of accessing my account online. There has been no communication to notify me of any changes made that might require my attention. An attempt to login shows the notification " The user name and password combination you entered does not match our records. Please try again ''. 

I attempted to create a new online account using my account information, and I bet the message saying " the information does not match our records on file ''. 

Attempts to update my password result in the same type of message, saying the information doesn't match their records. 

Given that my original complaint was in regard to being charged a late fee due to an apparent change in their policy, I'm furious this payment will be late because they've locked me out of online access. I'll be calling them tomorrow, and if it isn't settled, there will be another complaint filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX
Product: Debt collection

Been disputing this account a not mine this is been close and not mine BMW FINANCIAL SERVICES since 2012 Acc # XXXX call them was unable to get more information
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax credit report and there are names showing up on my credit report that are not mine. 
Below is a list of names I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2020. Why is Chase Bank now making it even harder to get a home equity loan during this pandemic? I was told today that a persons credit score needs to now be a minimum of 700 instead of 680. Before the pandemic the parameters were even lower. Why are they making it so average working people can not get money against their own homes? In the last two months my score has dropped 200 points - the government and banks are not working together? Something is wrong.
Product: Credit card or prepaid card

XX/XX/2017 {$720.00} Reached out to company about interest rate and no response.
Product: Credit card

A year ago, on XX/XX/2015 a fraudulent purchase was made online at Bestbuy.com, using my Best Buy card issued through Citibank, to purchase a PS4. It was n't until my bill in XXXX that I noticed the fraudulent charge and called Citibank for the first time. The customer service rep that I spoke to said they would send it to the fraud department and they would get back to me with their findings. A couple months later, I received a letter from the fraud department stating they had found through their investigation that I was responsible for the charges. Knowing that there must have been a mistake, I called back and a new investigation was started. This new investigation came back the same way : I am responsible for the charges. Although I have now spent countless hours of being on the phone with Citibank trying to resolve the issue, I have been hung up on, disconnected and called a liar, and this issue has still not been resolved. They have opened up numerous investigations and each time they find the same thing, that I am somehow responsible for a purchase I did not make. When I asked them to send me the information that proved I owned this purchase, they sent me a print out showing the product was ordered and sent to an address that is not my own. The order was also put through online without any verifying information that matched my own. The address was not mine, the telephone number was not mine. Every time I call to get this resolved, the first person I talk to always comments on how the purchase is " clearly fraudulent '' and will say something to the effect of, not sure why this is taking so long. In XXXX, I thought this was coming to an end when I spoke directly with a supervisor in the fraud department that credited my account and said it was taken care of ( this only occurred after I had requested an address with Citibank to which my lawyer could write a letter too ... ). I was overjoyed that after months and months of countless hours, it was being taken care of! Much to my dismay, however, a letter arrived a couple weeks ago, stating they found me responsible for the charges, once again, had reopened my card and charged it the {$320.00} that they insist I owe. The last time I spoke with Citibank in XXXX, they had cleared me of the charges and I had immediately paid my small remaining balance and closed the card. They reopened the card and charged me again. I really do n't know what to do at this point. I have complied with everything they have asked for and have had to spend at least a full days worth of time in doing so. I 'm not sure what to do at this point. Please help! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted disputes to Equifax, XXXX, XXXX to verify accounts that weren't mine on my credit report. I submitted proof of identification that includes social security card, my driver license and bank statement ( with a void check ). Its over 30 days and i havent received any status updates or corrections. Can you please assist me in this matters. Thank you.
Product: Mortgage

Rushmore Loan Management Services is the lender. I have a fixed BK XXXX Federal Court Ordered payment, Case # XXXX with a rate of 5 %, 25 year, PB {$100000.00} onXX/XX/XXXX. I have been paying P & I of {$500.00} since the Federal Court Order for the 5 years, and 2 years after the discharge my P & I of {$500.00} to continue thru 25 years until paid per the Court Order. Rushmore increased my payment of to {$800.00} to include real estate taxes afterXX/XX/XXXX, and then told me inXX/XX/XXXX my P & I was increasing up to {$590.00} telling me it was amortized incorrectly, I let them know they could not do that, they agreed to look into it and then I would continually get letters telling me I was in default, but when I called they said just ignore, they can't stop the letters, they are looking into it. I called my BK Attorney XXXX XXXX, she said I am not allowed to pay a payment other than the Federal court ordered amount, except for real estate tax escrow, if increases ; she said the lender can not change Court Ordered P & I of {$500.00}, they had 5 years during the plan, and before the discharge, and have accepted the Court Ordered payment another 2 years after. My annual Real Estate taxes for XXXX is approx {$3800.00} /12 months should be XXXX and tax increase is more than it should be at {$410.00}, raising my total payment to {$1000.00}. Rushmore is sending me threatening letters now telling me I am in default after they told me they are trying to resolve the mix up, but tonight I received another letter telling me I am in default of my mortgage. 
P & I should be {$500.00} and real estate tax portion should be {$310.00} for a total of {$840.00}. I agreed to their increase up to {$890.00} and have been paying that amount assuming the difference was for the tax increase, but they said the difference is in the P & I, but they also increased my real estate taxes way over my XXXX real estate tax bill. ( copy  enclosed )
Product: Vehicle loan or lease

I have sent cease and desist letter registered mail which was received by PenFed Credit Union on XX/XX/2023. I also sent a money order/bond that was received on XX/XX/2023. 

My personal property was repossessed XX/XX/2023, but stated they couldnt find my mail I sent registered mail. 

I do not consent Penfed to give my personal information to another company and the repossession company was not in contract with me.
Product: Debt collection

I attempted to obtain credit and found a collection agency by the name of XXXX XXXX was reporting on my file. I was denied credit because of a collection account that I did not recognize. In an attempt to obtain the line of credit requested, I called and went to their website XXXX XXXX XXXX to see what the account was for and make a payment if it was valid. The website requests an account number, but I do not have the full account number available and does not provide any details to what this alleged debt is for. I called phone number XXXX, I was unable to speak to anyone. The system asked for me to request a call back before disconnecting the call. I provided my cell phone number on XX/XX/XXXX and have yet to receive a call back. I have made multiple attempts to contact this company almost daily. I was never notified that this account existed, no one ever attempted to collect and more importantly I have no idea what this is even for. I have applied for employment and thankfully I didn't get declined due to this unknown charge. If I had known of valid debt i owed I would have paid for it before any harm could be cause to me like all of my debts. This company has caused me damage and will not even respond to my calls for a debt that I was never notified of. I just need all of this to go away so that I can go on with my life without further damage from this absurd situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numb 1 ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX The following names on my credit report : ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX These names are incorrect spelling of my name, nor do I go by or been called by or mailed information in these names they are illegally reported to my credit report with the company Experian. 

2. My Address : The only address I can verify and do receive mail at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not belong to me, nor can I receive mail at this address. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The amount Credit Bureau Systems is stating that is owed is incorrect. After initial phone calls of trying to determine the error and not wanting my credit score to be ruined, I attempted to offer to make a {$100.00} per month payment while the hospital financial services department worked with Credit Bureau Services to ensure the incorrect amount was corrected. The representative stated that since I was not able to pay the offered monthly payment of {$460.00} the debt would still be reported as nonpayment. When I asked what I could do, the representative stated I would need to reach out to an agency for debt relief for help and guidance on next steps. 

The next day I took a vacation day from work and met with the hospital financial services department and my insurance company to ensure I was correct about the amount owed, if any. The hospital financial services department admitted there was an error and it would take approximately 14 days to correct the error and contact Credit Bureau Services. I called Credit Bureau Services to explain this and that they did in fact have the incorrect amount that I supposedly owed and I wanted them to know they would receive updated/corrected information in the next couple of weeks. The Credit Bureau Systems representative went on to state incorrect information and when I stated the amount was incorrect and I wasn't listening to wrong information the representative said " I listened to you, so you are going to listen to me. '' I stated, but what you are saying is incorrect. '' The representative stated that it was not and asked " if I was going to listen or not. '' When I answered " you are incorrect, though '' she said, " ok, bye '' and hung up on me. 

Credit Bureau Systems threatens to ruin your credit even if you offer to make a {$100.00} per month payment while the incorrect information is updated. Credit Bureau Systems will not listen or admit when their information is incorrect and refuses to change an amount owed while attempting to collect payment on an amount that is not correct. Finally, Credit Bureau Systems yells, uses bullying/harrassment type behavior, and disconnects a call when a consumer is attempting to state the amount they are going to ruin my credit score with is wrong. I do not owe what they say I owe!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints in regards to the deletion of obsolete credit reporting on my credit file. Transunion is also reporting incorrect payment history with this obsolete account with  XXXX   XXXX , account number  XXXX . I have not been late. I am within my rights as per FCRA to have old account stemming from  7-10  years of age removed and this old account fslls within thst category. Transuion should have removed the old account ; is too old to be on credit file ; however, since  Transuion  did not remove the account, I requested for deletion. I also requested verification of form of dispute and who verified the dispute. I requested this information so if the old debt is not removed from credit file, I will have the information when I seek legal representation for the removal of the outdated account
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency is reporting inaccurate information on my credit report. I requested that this information be investigated and removed on XX/XX/2020. I has been 30 plus days and I have not heard anything from the credit reporting agency.