23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen Loan Servicing , LLC ( " Ocwen '' ) incorrectly denied me a HAMP modification and instead completed an in-house loan modification on XXXX XXXX, XXXX. The new payment amount was {$2000.00} ; however, on or about XXXX XXXX, Ocwen changed my mortgage payment to {$2600.00}. I was informed that this increase was due to an escrow adjustment. Upon further discussion, Ocwen admitted that at the time of the modification they had failed to accurately calculate the total escrow due. It appears that Ocwen purposely failed to accurately calculate and/or include known escrow in order to provide a falsified loan modification. By knowingly failing to accurately incorporate the historically known escrow, Ocwen avoided making the necessary interest rate adjustments and/or principal foregiveness necessary to provide a true and accurate loan modification. I have raised these concerns on at least 4 occasions ( the most recent with the Ocwen Office of the Consumer Ombudsman ) and in each instance my concerns have gone unaddressed. In each case Ocwen has failed to address that the XXXX XXXX loan modification was materially flawed and has failed to address my request that the XXXX XXXX loan modification be recalculated using the correct escrow amount which have been available to Ocwen since before XXXX XXXX. Once again, my concern is that Ocwen incorrectly denied me a HAMP modification and then intentionally failed to include total escrow in order to provide a false loan modification which they had no intention of honoring. I believe that a review of Ocwen in-house loan modifications will reveal a similar pattern among it 's customers. A pattern of incorrectly denying HAMP modifications in order to steer its customers to it 's in-house loan modification program and then purposely omitting key information ( i.e. escrow amount ) so that they can provide false loan modifications which they intend to immediately adjust upon completing an updated escrow analysis.
Product: Credit card

Problem : Wells Fargo Credit Card is preventing me from making more then one payment during a 24-hour time period ( or longer time duration ) without the ADDITIONAL payment amount originating from and being paid by, a Wells Fargo Checking Account . This is Wrong! I should be able to make as many payments as I desire at anytime from any account to cover my debt to Wells Fargo without having to set up a checking account with Wells Fargo. Wells Fargo is dictating when and how they get paid by consumers.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX  XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX Balance-
Product: Checking or savings account

I transferred the amount of {$150.00} from my XXXX XXXX account to my capital one savings account and XXXX XXXX transferred the amount on XX/XX/year> but it is not in my capital one savings account. I've tried to contact capital one about the missing deposit but the hold times are longer than 85 minutes
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an extended fraud alert on my Experian report and my credit report was still about to get pulled without a phone call. XXXX pulled my report three times without speaking with me. XXXX also was able to get a hold of my credit report I have a hard inquiry on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Information - Urgent Removal Request Dear XXXX Consumer Relations, I am writing to dispute a derogatory delinquent account that was reported by XXXX XXXX on XX/XX/2023, which inaccurately states that I owe {$10000.00}. This erroneous information has significantly harmed my credit score and financial well-being. 
Despite my efforts to rectify this matter, XXXX XXXX has failed to correct the inaccuracies. I provided evidence of double payments made, but they continued reporting late payments. Even after a year has passed, the incorrect information remains on my credit report, negatively impacting my financial standing. I lodged a complaint against XXXX XXXX with the CFPB ( Complaint ID : XXXX ). 
I hereby request the immediate and permanent removal of this account from my credit report, as XXXX XXXX XXXX actions violate my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate credit reporting, and XXXX XXXX XXXX persistent refusal to rectify this matter is a direct violation of the law. 
As an affected consumer, I am entitled to seek compensation for actual damages, punitive damages, attorney 's fees, and penalties associated with FCRA violations. I urge XXXX to take swift action in accordance with the FCRA and remove this erroneous item from my credit report. 
Please consider the urgency of this matter, given the impact it has on my financial situation. I eagerly await your prompt response and resolution to this dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to each credit reporting agency XXXX, Equifax, & XXXX notifying them to update my personal information. There are many variations of my name, & outdated residential addresses. Despite me showing proof of my current address and my only legal name these agencies have failed to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020 my Equifax score drop 50 points from XXXX to XXXX and the only change from last month was that a hard inquiry dropped off my report. I called Equifax and discussed my concern, the representative could not provide any reasoning as to why this happened. He stated is all part of their calculations and algorithm. This is mind boggling and very frustrating, I cant even get specific answers as why my score dropped significantly. A inquiry falling off your report is a beneficial thing. Please help me, Im trying to buy a house and this unfair, and Equifax can not provide me any details and say its not disputable cause its their algorithm. I feel so helpless after working so hard to get my score up to obtain a mortgage loan, and to have this happen, I feel depleted and hurt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. 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. 
Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge.XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2016 Balance : {$0.00}
Product: Mortgage

I applied for a mortgage VA refinance on XXXX XX/XX/2020 with Pentagon Federal Credit Union. I've been a customer for 40 years and have done several refinances. With this last refi, I have completed all paperwork and have been waiting for over a month trying to get a status on when my settlement will be ... should have been XXXX at the latest. I have not had any response from my numerous phone messages nor emails I have sent to my Loan Officer, XXXX XXXX, and my loan processor, XXXX XXXX. I have had NO RESPONSE from anyone. I've tried to call several times and get disconnected after a long process just to get to the correct department.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my equifax report. The accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX have inconsistencies between the 3 credit bureaus. Those accounts are not listed on my XXXX  report nor XXXX and this problem needs to be fixed with equifax this is harming my credit and needs deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been demanding that Trans Union remove these disputed tradelines for over 18 months now. I've mailed multiple disputes and filed CFPB complaint # XXXX. I've requested a full disclosure pursuant to Fair Credit Reporting Act 609 for the entire consumer file in their possession that contains my name. 

Trans Union has FAILED OR REFUSED to investigate and provide me with results within 30 days. 
Trans Union has FAILED OR REFUSED to provide me with the entire consumer file. 
Trans Union has FAILED OR REFUSED to permanently DELETE tradelines of companies that DO NOT EXIST. I have provided proof of documentation through my CFPB complaints and my dispute letters showing that the companies that they claim furnished information to them DO NOT EXIST in my state or the states they claim they are in. 

XXXX has permanently DELETED the accounts I've disputed because they were not able to verify and validate the tradelines. If XXXX can not verify AND validate these accounts, how can TRANS UNION possibly verify and validate the tradelines? 

It is my belief that Trans Union is committing fraud, identity theft, and using deceptive trade practices to continue to defame my character, prevent me from accessing credit in violation of the Equal Access to Credit Opportunity Act. I am being damaged daily by Trans Union refusing to delete the following accounts, which are not registered in my state which means I can not serve them with notice of intent to file a lawsuit : XXXX. XXXX Trans Union has also allowed a DISPUTED COMPANIES TO FRAUDULENTLY RE-AGE multiple accounts, which I have never had a contract or done business with company who is retaliating against me for disputing their fraudulent account : XXXX. XXXX XXXX  XXXX re-aged to XX/XX/2022 XXXX. XXXX XXXX re-aged to XX/XX/2022 XXXX. XXXX re-aged to XX/XX/2022 XXXX. XXXX XXXX re-aged to XX/XX/2022 XXXX. XXXX XXXX XXXX re-aged to XX/XX/2022 XXXX. XXXX XXXX XXXX re-aged to XX/XX/2022 ( XXXX separate accounts ) It appears that Trans Union has a vested financial interest in continuing to report these fraudulent tradelines and refusing to send me a copy of the entire consumer file concerning me, which will show that they do not have the proper documentation required by law to reporting this information. 
I HAVE NOT GIVEN TRANS UNION PERMISSION TO REPORT, COMPILE, OR APPROPRIATE MY NAME AND LIKENESS and PRIVATE FINANCIAL MATTERS. THIS IS AGGRAVATED IDENTITY THEFT BY TRANS UNION. 
I demand that they immediately delete the information! 

I have attached proof that XXXX has deleted the tradelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to you in my continued efforts to resolve a deeply distressing matter concerning inaccurate and unauthorized information on my credit report. The violations I will outline below, which have left an indelible mark on my financial well-being and emotional state, compel me to seek your assistance in enforcing the necessary legal remedies. The listed violations are as follows : Incorrect Personal Information : Incorrect Previous Address : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The impact of these violations on my life has been profound and overwhelming. The inaccurate information on my credit report has hindered my ability to secure affordable financing for crucial life milestones, such as purchasing a home or a vehicle. It has shattered my sense of financial security, leaving me XXXX and uncertain about my future prospects. The emotional toll of this situation is immeasurable, affecting not only my financial well-being but also my overall quality of life. 

I implore you to consider the emotional and financial distress that these violations have inflicted upon me. As I share my personal story, I beseech you to enforce the legal remedies available to ensure the accuracy and integrity of my credit report. In light of the violations detailed above, I kindly request that the unverified and inaccurate accounts be promptly removed from my credit report. This action is vital not only for my own peace of mind but also to uphold the principles of fairness and justice that our legal system is built upon. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can assist me in resolving this situation and restoring my financial stability.
Product: Money transfers

I have XXXX accounts at Citizens Bank NA. I received my social security direct deposit and immediately transferred it into my joint checking account using my Citizens mobile app. After transferring, I returned to my accounts and noticed that nothing had transferred into my joint account. Instead, after some research, I discovered that it had been transferred into the overdraft protection associated with my joint account even though I have a XXXX balance owed. I called the bank and informed them of this irregularity. I called to their attention that on the mobile app I used that that there is no facility for transferring funds into ODP. He informed me that this was a service error and the funds would probably be restored to my joint checking account the following day once the system determined that I had a XXXX ODP balance. He claimed he could not restore the funds himself. My name is XXXX XXXX and I typically keep a total balance across all Citizen accounts of {$100000.00} or more. I assume that Citizens has written an algorithm to unilaterally sweep transfers into its ODP and may or may not inform its customers of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX   XXXX - XXXX - XXXX - XXXX - Through The Country Do - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX
Product: Debt collection

I checked my credit and ERC was reporting an XXXX XXXX charge for {$54.00}. This never should have been on my report, I was and still am a XXXX XXXX customer. 

So I stupidly paid this error, thinking it would be removed off my credit. No, after disputing it to XXXX  & XXXX  and mailing a direct letter to ERC, no response at all? 

As you can see, XXXX  did not do an investigation, there is not XB dispute code? Someone or both have committed a FDCPA violation!
Product: Credit card or prepaid card

The account was a wayfair store card with comenity bank. Comenity bank stopped doing business with wayfair and all accounts were closed. I still owed a balance and continued to pay on it until XXXX of 2021 when I just went ahead and paid it in full. The card was closed because the company was no longer accepting the cards. Comenity continued to charge me interest for XXXX, XXXX, and XXXX after I paid it off. Then they charged me a late charge too. In XXXX I got a text message telling me I was behind so I called the company. The XXXX  the balance for the incorrect charges but said they could not correct the credit reporting. Below you will see in attachments that I paid this off in XXXX but they still charged me interest after it was paid off. Each additional month I was charged interest and a late fee. The XXXX statement with a XXXX  balance is not available yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX received a positive result on one trade line. Equifax did nothing wrong, it's just that the person that updated credit for XXXX XXXX XXXX XXXX made the necessary correction on a very old credit trade line, and they did not complete the same result for Equifax. The trade line was paid off several years ago. The account was never late, yet the account is still posted on my Equifax report as 30-59 Days Past Due. This is causing me great problems on my credit scores with Equifax. I submitted a hard copy dispute several months ago, and XXXX XXXX XXXX XXXX corrected the account with two out of three credit bureaus. I respectfully request Equifax to complete another reinvestigation where XXXX XXXX XXXX XXXX responds back accordingly.
Product: Credit card or prepaid card

This involved Self Financial , INC. My account was randomly closed without any notice in XX/XX/2023. I paid my card off almost immediately after using it, I never have any issues paying off my loan or credit. When I asked why they could not provide an answer outside of " we couldn't confirm your identity ''. They did not contact me at any point. I was never notified my account was closed until after I had to contact this company multiple times asking why my credit card wasn't working. I have been waiting a month to receive the funds from my credit card. Every time I call they seem very shady and as if they don't know what's happening and tell me I need to wait to find out. I have been put through the cycle of " we will call or email you '' multiple times and they never do. My card was randomly closed and the full amount of which I paid on it was never refunded to me.
Product: Credit reporting or other personal consumer reports

These hard inquirieS on my credit report... fraud activity was done! I need these hard inquiries removed. NOT familiar at all with these inquiries! 

*HARD INQUIRIES* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 6801. It reads " It is the policy of the Congress that each financial institution has an affirmation and continuing obligation to respect the privacy of its customers and protect the confidentiality of those customers non public personal information ''. Citi Bank cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  are all financial institutions under that title. 15 USC 1681 section 604a section states " In general to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER! : " In accordance with the written instructions of the consumer to whom it relates '' Any and all consent given to ; Citi Bank CBNA, XXXXXXXX XXXX XXXX XXXX< XXXX XXXX XXXX XXXX XXXX XXXX XXXX also XXXXXXXX, XXXX and XXXX whether it verbal, non verbal, written, implied or otherwise is hereby REVOKED! 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a non affiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that non disclosure option ''. Citi Bank CBNA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX never informed me of my right to exercise my own disclosure option. Furthermore, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts adverse items reporting without my permission that is against the law w. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

Additionally, 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

On XX/XX/2023, there was an unauthorized transaction posted on my Capital One Savor One card account from XXXX XXXX XXXX  for the amount of {$2200.00}. I tried to notify Capital One of the issue, but the prompts they have built online on reporting issue on your statements never go through ( screenshot attached of the first step ), and when I click " View Order '' button, it brings me to XXXX login screen with some strange email address on it that is not mine. I do not have a XXXX account and have not authorized this purchase, and nobody else that I know has access to this card or the XXXX account indicated on " View Order '' section.
Product: Credit reporting or other personal consumer reports

Experian responded stating they verified certain information listed on my credit report. I requested the method of verification they stated they contacted the creditor but offered no other information. Who exactly did you talk to? What documents do you have? I have received no such documents. I will give you 14 days to turn over this information or I will have to sue and you will have to pay litigation costs. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' Remove XXXX  XXXX account from credit report immediately