23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I purchased a home with my mom who had XXXX. I was her FPOA/HPOA at the time and I signed the mortgage documents for her. The home was held in her Trust, of which I was the Trustee. My dad had already passed and I am an only child. On XXXX/XXXX/XXXX my mom passed away. At this point I had been her caregiver for nearly 8 years, and had developed a XXXX ( XXXX ), so I filed for Social Security XXXX 2 months later ( XXXX XX/XX/XXXX ). I eventually was awarded XXXX, backdated to XX/XX/XXXX, but did not start receiving checks until XXXX of XX/XX/XXXX. In the 2 years between, I ended up behind on both my XXXX ( GMAC, now Ocwen ) and XXXX ( XXXX XXXX XXXX XXXX, now XXXX XXXX XXXX ) mortgages. Founders allowed me to bring my loan current XX/XX/XXXX, with a monthly payment of {$220.00} ( @ {$25000.00} @ 8 % ), and I 've paid on time every month since. Ocwen has given me the runaround for nearly 4 years now, and have actually foreclosed on their portion of my debt ( {$84000.00} on XXXX XXXX, XXXX in XXXX County Michigan ). I have worked very hard since XX/XX/XXXX to rebuild my credit score and now have it back up to the XXXX range, I have no other debts and XXXX has agreed that my income/cash flow is sufficient to repay both loans, which is my goal. 

My complaint is that Ocwen made a deal with me in XX/XX/XXXX to modify my original loan with a lower payment, and I made those payments on time for 6 months straight, but when they sent the forms to me to make the new payment permanent, they put them in my DECEASED MOTHER 'S NAME - 2YEARS AFTER HER PASSING! ( see attached ) I called them to correct this, but then all of a sudden they told me they could only talk to my mother because I was n't authorized on the loan! They also stopped accepting my payments in XX/XX/XXXX. This after I was the person who signed the original documents and had been discussing refinancing with them for nearly a year! So, I faxed what they asked for, but when I called back in, again they could n't find my fax, and gave me different numbers to fax to again. This happened multiple times over the entire year of XX/XX/XXXX, and by the time they would talk to me ( XX/XX/XXXX ), they had already started the foreclosure process. Then they sent me forms to sign, but they said I owed {$100000.00} ( THE ORIGINAL LOAN IN XXXX XX/XX/XXXX WAS ONLY {$100000.00} )! I agreed to repay the amount I owed as of XXXX XX/XX/XXXX ( when they stopped accepting my payments ), plus any escrow shortage, but they said I had to pay the whole amount they wanted, and still foreclosed - for {$84000.00}. I tried to refi with my local bank, but they ca n't loan /me the $ $ until XX/XX/XXXX as I was forced to file ChXXXX for unpaid doctor bills, and it was just discharged XXXX/XXXX/XXXX, which is the only reason they wont loan the $ $ today. I agree to pay what I owe, but not {$16000.00} more! Or, alternately, I need them to give me until XX/XX/XXXX or XX/XX/XXXX to get my financing from XXXX XXXX. Please help, otherwise I think I have to move by XXXX/XXXX/XXXX and I do n't want to lose the {$70000.00} equity that I have here! Thank you for your help. XXXX XXXX, Michigan
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed accounts reported with inaccuracy on each bureau. Theres XXXX lates reporting on XXXX bureaus and XXXX late on the other. Theres over lapping time for it to be a XXXX or XXXX  day late. These are student loans that were on a forbearance or government program repayment plans. ( meaning no payment required ) The accounts should have and had a history of reporting as paid on time. The consumer reporting agencies need to report all information with complete accuracy. The reporting agencies have mixed information on how many days a late payment took place and also when the lates took place. I have attached supporting screenshots of my credit reports that clearly show the inaccuracy amongst the XXXX bureaus. 
These accounts have not been late. 
XXXX now requesting you to investigate and provide verifiable proof with records showing the accuracy as reported with each bureau. 
If this information can not be verified I demand these payments be updated to paid on time immediately. 

Please refer to compliance procedures- XXXX XXXX XXXXXXXX XXXX XXXX section b Thank you for a timely response. As this is effecting my creditworthiness with a major purchase for my family.
Product: Debt collection

I am supposed to make a monthly payment to pressler & pressler by the XXXX of month according to a XXXX stipulation. 
Every month i paid with a credit card. Pressler & Pressler shut off their credit card payment system. I sent to P & P copy, and they did not fix issue.
Product: Mortgage

After my father 's death, I tried to sell his house but only to find out there is a lien ( {$79000.00} ) from XX/XX/XXXX. The loan was refinanced through Wells Fargo in XX/XX/XXXX but they never sent the appropriate records to the XXXX County Courthouse. Now, the mortgage is with XXXX XXXX XXXX, XXXX and they started the foreclosure procedures. Ive contacted them for direction on to get a letter of satisfaction from Wells Fargo. They recommended I hire a realtor. That makes no sense. HELP! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( parcel XXXX ) Amount : {$79000.00} Instrument : XXXX XX/XX/XXXX Recorded XX/XX/XXXX This mortgage is re-recording of mortgage instrument XXXX satisfaction on XX/XX/XXXX. Instrument XXXX for Instrument XXXX only. 
Mortgage Instrument XXXX still remains open. 

Instrument XXXX XX/XX/XXXX Recorded XX/XX/XXXX Amount {$85000.00} Assigned to XXXX XXXX XXXX XXXX XX/XX/XXXX Instrument XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED EQUIFAX TO CHECK THE STATUS OF CORRESPONDENCE I.E. POLICE REPORT THAT I FAXED OVER XXXX THE XXXX REGARDING FRAUDULENT ACCOUNTS THAT ARE SOLEY BEING REPORTED BY EQUIFAX. NOT XXXX   NOR XXXX. THEY HAVE SUCCESSFULLY REMOVED THESE ITEMS. EQUIFAX IS THE NON COOPERATIVE ELEMENT IN THIS ORDEAL. XX/XX/20 AT XXXX XXXX  I CALLED EQUIFAX TO CHECK THE STATUS AND IT WAS TO NO AVAIL ... IM REQUESTING FOR ITEMS TO BE REMOVED AND FOR EQUIFAX TO BE CITED THE {$500.00} FINE PER ACCOUNT THAT THEY ARE REPORTING ERRONEOUSLY. WE KNOW CREDIT REPORTING AGENCIES GENERATE REVENUE FROM REPORTING NEGATIVE INFORMATION. SO IF THIS INFORMATION IS CONTINOUSNLY REPORTED EQUIFAX MAKES MONEY FROM REPORTING IT. SO THEY'RE NOT REALLY CONCERNED ABOUT REPORTING ACCURATE INFORMATION.
Product: Checking or savings account

Ive banked with Regions for over a year and have had issues with my balance not matching payments and money missing so I started taking screenshots of my account when I would make purchases. Recently I paid a bill and then deposited money into my account. The money for the bill was removed BEFORE I deposited the money and then I paid some credit card bills. The next day my card declined and I opened my online account and I was negative XXXX dollar which wasnt possible. I went through it and overnight my account balance was higher and my first bill I paid before the deposit went in again AFTER the deposit. I called customer service and they said my balance on online banking was incorrect from pending transactions but my ATM receipt from my deposit says the same thing my online banking did before the transactions posted. I went through my screenshots of my account and added everything up from the last week and my account is short {$78.00}. They stole {$370.00} dollars from me last spring when I cancelled a bed set because the company was out so I moved money from my savings to my checkings to buy a different bed set until my refund went through. The money was immediately taken out and the next day I deposited a check for {$600.00} the next morning my account was short and like this time my purchase for the new bed set went through AGAIN when my check cleared. Im sure if I go through and add up when Ive had a lot of transactions Id find more money missing but that time I unfortunately didnt have any proof thats why I started taking screenshots of my online banking. When I make a lot of purchases or pay a lot of bills my balance fluctuates when items post.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX 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 or other personal consumer reports

The Company Has made themselves UNAVAILABLE via phone- They coerce you into pulling a consumer report to access their phone number however- They have set their automated machine to refuse to transfer calls to humans. And the machine DOES NOT have the ability to properly analyze the Consumer 's needs and comprehend the Consumer 's complaints and or disputes- This account was NOT INITIALLY apart of this COnsumer Report. The agency did NOT do its due diligence in regards to reporting the account- The corporation has stated that the account would NO LONGER be reported- The agency is in VIOLATION of the Consumer 's Federally Protected Rights!!!! 

The Consumer did make a complaint about the inaccurate account that is XXXX XXXX XXXX. The company did respond and state that the corporation would cease all communication regarding the account and that the account would be removed from the Consumers Report- Also The hard inquiry from XXXX XXXX to be disputed for permissible purposes the reporting agency should produce any and all contracts by and between the Consumer and the corporation
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$2800.00} XXXXXXXX XXXX XXXX Balance {$580.00} XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$6400.00} XXXX  XXXX XXXX Balance {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX
Product: Debt collection

On XX/XX/2021 I sent a letter to this debt collector because I noticed it on my credit report. I ask them to supply information so that I can be fully informed why they think I owe the debt and to who I owe it. On XX/XX/2021 I receive a letter that's says they are unable to make a positive match in their system.
Product: Vehicle loan or lease

Issue Description Securities Fraud Allegations I am filing a complaint regarding securities fraud committed by Hyundai and XXXX XXXX XXXX XXXX in violation of federal securities laws. 

On XX/XX/XXXX, I submitted a formal request for payment on a registered security in accordance with ARTICLE VI of the Indenture Agreement governing the security. Despite multiple attempts to obtain a response, Hyundai and XXXX XXXX XXXX XXXX have : 1. Failed to process the payment as required under the Indenture Agreement.

2. Refused to return the registered security or provide any explanation for nonpayment.

3. Engaged in deceptive practices by withholding material information and failing to fulfill their fiduciary obligations to noteholders. 

These actions constitute securities fraud under federal law, including : Securities Exchange Act of 1934 Section 10 ( b ) & Rule 10b-5 : o Engaging in deceptive and fraudulent practices by failing to process payments, return securities, or provide transparency. 
o Misrepresentation and concealment of material facts regarding the securitys status and payment obligations. 
Trust Indenture Act of 1939 Section 315 ( d ) : o Breach of fiduciary duty by XXXX XXXX XXXX XXXX as trustee, failing to protect noteholders and ensure payment compliance. 
Uniform Commercial Code ( UCC ) Violations Related to Securities Transactions : o UCC 3-104 ( Negotiable Instruments ) The security qualifies as a negotiable instrument that must be honored. 
o UCC 3-602 ( Payment ) Payment must be applied as directed by the noteholder. 
o UCC 4A-305 ( Liability for Improper Execution of Funds Transfers ) XXXX XXXX XXXX XXXX failed to process an authorized payment request. 

Attempts to Resolve Sent multiple written notices, including a Notice of Default and Final Opportunity to Cure. 
No response or corrective action has been taken.
Product: Mortgage

I submitted a loss mitigation package to XXXX mortgage company on XX/XX/year> and my application was denied. I was told that there were no loss mitigation options available for me, Im 5 months behind and at this time there was no attorney fees. I asked the representative if I could appeal the decision and I was told it was an immediate denial of an appeal. I feel like there is discrimination involved.
Product: Checking or savings account

I had a fraudulent charge made at XXXX on XX/XX/XXXX at a XXXX. I was home with my card when the purchase was made. I called the XXXX and they told me a man was using a physical card that was flagged as fraudulent on the first swipe. The 2nd swipe manually over rode the flag. I filed a police report, turned my card off and filed a dispute. I sent chime XXXX XXXX Bank ) my location for the entire day from XXXX ( timeline/map ) showing I was home from XXXX to XXXX, footage of me at my house at the time of purchase, and the police report. They still are refusing to refund my money, claiming I " did not provide enough proof '' and that they had found it was not an error. Even though, I had proven I was home all day long and had not given whoever this person was my card or information. I have filed 4 rebuttles and they still will not return my money.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion, XXXX, and XXXX. These entities have failed to ensure the accuracy of my credit report in compliance with the FCRA, specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies ( CRAs ) to follow reasonable procedures to assure maximum possible accuracy of the information in consumer credit reports. 



Description of the Issue : 1. Inaccurate Information on Credit Reports : My credit report with TransUnion and XXXX reflects inaccurate information related to an account furnished by XXXXXXXX XXXX XXXX 

2. Failure to Ensure Accuracy : Despite providing both CRAs and XXXX with documentation disputing the inaccuracy, they have not corrected the errors, nor have they updated the report to reflect the maximum possible accuracy as required by law. 

XXXX. Ongoing Harm : These inaccuracies have damaged my creditworthiness, resulting in adverse decisions regarding credit applications. 



Relevant FCRA Provisions : 15 U.S.C. 1681e ( b ) : Requires CRAs to follow reasonable procedures to assure maximum possible accuracy of the information in a consumers file. 

15 U.S.C. 1681s-2 ( b ) : Requires furnishers like XXXX to investigate disputes forwarded to them by CRAs and report accurate information to the agencies. 



Timeline of Events : XXXX. XX/XX/XXXX : I disputed the inaccurate information with TransUnion, XXXX, and XXXX, providing documentation supporting my claim. 

XXXX. XX/XX/XXXX : Follow-up disputes were submitted, yet the inaccuracies persist on my credit reports, demonstrating a failure by all parties to comply with their obligations under the FCRA. 

XXXX. XX/XX/XXXX : I reviewed my credit reports and found no corrections or updates reflecting maximum possible accuracy. 



Violations : 1. TransUnion and XXXX : Failure to follow reasonable procedures to ensure maximum possible accuracy of my credit report XXXX. XXXX XXXX XXXX  : Failure to conduct a proper investigation and update the CRAs with accurate information.
Product: Credit card

I have a Carnival World Mastercard issued by Barclaycard US. The problem is that I have been unable to access my online account for months. When I call customer service, they are unable to access my account. I have been having this issue for months, and they can not or will not fix it. I have called multiple times and have spent hours on the phone with no results. I have a case number with them which is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I was contacted by XXXX XXXX at XXXX XXXX  regarding an open collections account with XXXX XXXX Bank. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor. 

XX/XX/2020 XXXX XXXX XXXX XXXXXXXX Spoke w/ supervisor Spoke with XXXX XXXX, who identified himself as supervisor for XXXX XXXX. I explained to XXXX that during my conversation with a XXXX XXXX Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. XXXX XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour. 

XX/XX/2020 XXXX Called XXXX XXXX due to not hearing from XXXX XXXX XXXX. Spoke with representative who stated she will ask supervisor to call me as soon as possible. 

XX/XX/2020 XXXX XXXX XXXX XXXX me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that XXXX XXXX never used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. 


I have disputed this account with all XXXX major credit bureaus and XXXX XXXX then updated the account to Charge Off. They refuse to remove this account.
Product: Debt collection

I am not liable for this debt with XXXX XXXXXXXX XXXX  XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 
Account XXXX : XXXX Amount Disputed : {$99.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3800.00} XX/XX/year>XXXX  15 U.S.C , 1681section 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 an 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 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

Transunion committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability. It has been over 30 days since I've reuqested this information to be verified or deleted. This is now affecting my family 's livelihood. Please delete ALL XXXX XXXX accounts on my report. I've also reported that the inquiries on my transunion report does NOT belong to me. I've shown proof and yet it still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam Loan Depot, account # XXXX I filed a dispute with all three-credit bureaus, XXXX XXXX XXXX and XXXX on XX/XX/2020, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter with a return receipt asking the original creditor Loan Depot to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to Loan Depot, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? Thanks for your time and consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted 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 ) XX/XX/2021