23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During XXXX, OCWEN transitioned servicing of all its mortgages ( including mine ) to PHH Mortgage. 
They shut down access to the OCWEN accounts web site where borrowers would go to get their 1098 forms online. 
I have NOT received my 1098 for XXXX or for XXXX. 
My loan was transferred to PHH Mortgage on XX/XX/XXXX and the 1098 form I received from them does not include any of the mortgage interest paid to OCWEN, so it seems that it is being handled as a " loan servicing acquisition ''. 

I sent a certified letter to OCWEN 's address on my XXXX XXXX to ask for these statements but they have IGNORED the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am now seeking damages with litigation since Equifax demanded the date be added to the FTC report which is another gimmick and predatory tactic to avoid penalties and delay removal. 

Under adding the inquiry there is NO way to add the day to the date. I have edited the report to manually add the date and once again I am seeking {$1000.00} per violation of FCRA XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX Fraud FTC removals ASAP further delay will result in more monetary damages awarded
Product: Payday loan, title loan, or personal loan

We applied for a loan with lending tree on Wed XX/XX/XXXX within two min we got a call from loan officer XXXX XXXX told us we were approved for a {$5000.00} loan thro XXXX XXXX XXXX and that they required 5 % ( {$250.00} ) security deposits because our credit score was under 700. We called XXXX XXXX and they knew nothing of this. When asked why XXXX didnt know he answer us wither deal with its investors not the branch. We followed the directions borrowed the {$250.00} from my mother and sent the {$250.00} and within 5 min we got an email forwarded from XXXX fromNV department of finance saying we had to pay another {$320.00} + {$8.00} stamp fee in fees to the state of NV, well I called the state finance department and that is when we learned we had been scammed. We have reported them to IC3, Interpol, XXXX, and the real lending tree. We want our money back ASAP, they wont answer or return calls or emails and now today Monday the XXXX their phone number is disconnected. I have all their info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from EQUIFAX and XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 
Because the account listed below is not being reported accurate. The open date, date last active, the date of the last payment and the status is NOT 100 % accurate. 
XXXX XXXX XXXX XXXX XX/XX/2016 They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Experian for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a ihorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

I am pursuing the public service loan forgiveness program for my school loans through XXXX XXXX and they have not counted years of payments. I continue to call to verify the payment recount but they can not provide any update or estimate. In order to complete the program they must count all the appropriate payments made to verify the number of remaining payments. 

I was informed there are terms when more information is needed to count payments and it will be in review again. 

XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX
Product: Debt collection

Greetings to whom this may concern, My name is XXXX XXXX stating that Ive been a victim of identify and credit card fraud. It began as I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. While there in order to retrieve a XXXX someone took out an account in my name and made unauthorized decisions. All of which has led me to be in debt and hard to see myself getting out. Initially I may have been hesitant on contacting or replying to agencies on resolving this matter, being that's it hard been quite some time. But, I can no longer let bills and interest increase while not getting grasp on things. Lastly, attached are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I open a new account with Discover card, I was offered a balance tranfer promotion of 14 mo at 0 % ; but was never disclosed a {$69.00} transfer fee. I want the charged removed. I called Discover and was disconnected twice and had to start allover again and was transferred several times and waited for periods of time until I was told someone will call me back, but not sure when (? ). Almost 2 hrs on the phone and no resolution. Throughout the calls and several phone transfers I was told that Discover doesn't refund transfer fees and that they needed to listen to the call, this is a scam and shady business practices. The information on this charge is not disclosed upfront. There was no resolution at all, just pushing me around and on hold for long periods of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the bureas have violated my right by reporting payments on credit accounts on my consumer reports. 

Account : XXXX XXXX XXXX XXXXXXXX They are reporting a payment late on my cosumers report between me and this creditor. 
The bureaus have violated my rights. I have the right to privacy and a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is against the law and violating my rights. 

I need these late payments removed from my consumers report immediately as it doesnt follow the FCRA or any laws in that matter. Being that its against the law i know i can take legal action.
Product: Checking or savings account

I initiated a transfer of my student loan refund into my XXXX XXXX account at approximately XXXX XXXX Subsequently, I enhanced the security settings of my Citibank online checking account, with the intention of bolstering its protection, and transferred the said refund from XXXX XXXX to Citibank. 

Approximately two hours post-transfer, at around XXXX XXXX, I attempted to execute a payment of {$77.00} to XXXX, the XXXX XXXX, through my Citibank account using my Citibank debit card ending in XXXX This attempt, and subsequent attempts, were declined without explanation. Upon trying to access my Citibank account via the mobile app, I discovered that access was denied. Efforts to transfer the funds back to XXXX XXXX were also declined. 

Further attempts to access my Citibank account were met with a message indicating that the account was blocked. Contact with Citibank customer service for resolution was unproductive ; representatives were unable to verify my identity with the information I provided, which had never been an issue in the past. Each interaction with customer service ended abruptly as representatives disconnected the call without offering any resolution or explanation. 

As of this report, I remain unable to access my account. The lack of access to my funds, coupled with the dismissive and unhelpful attitude of the customer service representatives, has left me in a precarious financial situation. The inability to access my own funds, the absence of a clear explanation, and the apparent disregard for resolving the issue lead me to believe that this situation constitutes fraud or theft by the bank. 

I firmly believe that the actions, or lack thereof, by Citibank have resulted in the unauthorized withholding of my funds, constituting a breach of trust and potential fraud/theft. The refusal to grant access to my account or return my funds, despite multiple attempts at resolution, supports this claim.
Product: Credit reporting or other personal consumer reports

I have disputed two accounts on my credit report. They refuse to remove them. I filed a complaint with the FTC and submitted to them. It has since been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make abundantly clear that this report of identity theft was not made in error by me, a consumer, as stated in 15 USC 168c- 2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from XXXX reporting agency in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law The below are in violation and the disputed accounts need to be removed from all 3 agencies. 

XXXX XXXX Experian
Product: Debt collection

I owed and paid my medical bill of {$210.00} on XX/XX/2020 to my doctor, XXXX XXXX XXXX formerly XXXX  XXXX  ). On XXXX XXXX XXXX XXXX services notified me by mail that I owed this same amount and it was originated from XXXX XXXX. I supplied by mail my proof of payment 1 ) my credit card receipt with transaction number details. Now yesterday XXXX XXXX I receive a notice from another collection agency ; Nationwide recovery service that I still owe this debt. The Forwarding agency is XXXX XXXX and Nationwide recovery received this claim on XXXX. 
I am XXXX and tried patiently to speak with a representative on the phone to provide my proof of payment details. They insisted I paid the wrong Doctor but I told them the name of the practice changed hands and it is the same debt that I paid on XX/XX/2020. 
I am mailing them my credit card receipt along with my credit card statement detailing this bill was paid - BUT I have no faith this company or the prior debt collector will follow through and investigate that I did in fact pay my bill. Both companies need to communicate with each other and the original collector XXXX my doctors practice ) that in fact I paid.
Product: Credit reporting or other personal consumer reports

My informations was in several data breaches and unauthorize credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The Huntington Mortgage company, XXXX XXXX XXXX XXXX XXXX. XXXX Has put lean on my house for the amount of {$140000.00} on XXXX XXXX. 
I have no idea as to why and reason? We have not received any amount of money from them. We have not received any statement or any bill from them what so ever. We tried to refinance our house and find out about this lean.
Product: Mortgage

XXXX The company have started to indicate that my current payment is due, plus the XXXX previous months. They are showing some of my payments but I am unable to trace them all in a clear consecutive manner DUE TO THE UNCLEAR ORDER OF THE PAYMENT RECORDS YOU HELPED ME TO OBTAIN!!! 

( 1 ) EXACTLY WHAT MONTH/ MONTHS HAVE BEEN MISSED?

( 2 ) WHAT IS THE EXACT AMOUNT DUE FOR EACH MONTH THEY GRANTED TO ME THEIR " XXXX XXXXXXXX FOREBEARANCE ASSISTANCE WHICH WAS SUPPOSE TO HAVE BEEN IN XXXX ( XXXX ) MONTHS SEGMENT BUT I WAS BILLED FOR XXXX ( XXXX ) AND XXXX ( 5 ) PERIODS AT A TIME!!! 

I do appreciate their help but The process was UNCLEAR AND HARD TO FOLLOW!!! 

PLEASE ADVISE ME WHERE TO GO OR HOW TO RECEIVE MORE ACCURATE ASSISTANCE THAN I HAVE AT THIS POINT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, I sent a letter to the US Bankruptcy Courthouse in XXXX XXXX, FL asking if they report XXXX  XXXX bankruptcies to the credit bureaus and I received a letter from the courthouse stating They do not report or transmit any bankruptcy court records to Credit Bureaus. If so, how did the Credit Bureaus verify my bankruptcy as 100 % Accurate. A fair investigation was never done in accordance to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights many times over.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Money transfer, virtual currency, or money service

Coinbase started restricting my account around the first week of XX/XX/year> due to their routine identity verification requirement. I was not able to do any transaction at all in my account with them, specially in withdrawing the funds i have in their platform. So on XX/XX/XXXX I uploaded all my documents they asked for, that will show that I am the owner of the account in their platform. However it has been almost a month and nothing has been done. Everytime I call their customer service and I have reached out to them about more than 5 times and each time they tell me the same thing, that they are reviewing the documents already but can not provide me a timeline of when they will be done in reviewing a few bank statements ( the documents they asked ) In my humble opinion, I feel like my funds, my own money are being withheld against my will now and this is frustrating. It has been over a month since my account has been restricted in doing any transaction, and almost a month now since i submitted the documents they asked for but no action is being done on their end. Please look into this case thank you so much. Below is my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have received a letter from Selene Finance regarding the escrow shortage amount of {$750.00} on XX/XX/XXXX. 

On the letter shows I need to pay {$750.00} or my monthly payment will increase {$62.00} a month. 

Selene Finance took over my mortgage service since XX/XX/XXXX and started causing problem. 

At the time Selene Finance notice us the escrow shortage of {$750.00}, we received a check from previous title company shows that there was {$750.00} left in the escrow account. 

Selene Finance does a poorly job and keeps telling us it is due to COVID.
Product: Credit reporting or other personal consumer reports

Hey hope all is well, I just viewed my recent credit report from XX/XX/XXXX and I discovered some inquiries, accounts and public records that I did not authorize and also have no connection to me, I have also attached the evidence in accordance to these erroneous claims. I am a victim of XXXX XXXX and would like these stated inaccuracies that have no permissible purpose to be on my report removed. All inquiries and accounts and other erroneous reports should be removed due to violation of 1

5 USC 1681b. According to 15 USC 1681
: As the consumer I have the right to privacy and I did not give Experian or ANY other bureau written permission to furnish these accounts. Also information furnished needs to have " Maximum possible accuracy '' XXXX XXXX XXXX XXXX.
Product: Debt collection

After multiple disputes, this company continues to falsely report that I owe them a debt. They have not responded to any disputes or sent anything in writing to confirm by debt with them wich is law
Product: Checking or savings account

On XX/XX/21, I deposited a check into my Ally Bank Checking Account using the Ally Bank App so that I could get proof of funds to my loan officer and get money into escrow as we just bought a new home. Friday XX/XX/21 I never saw the funds in my account. Usually it shows up right away or next day. I gave Ally Bank a call and they said they could not help me with any funds and that the money I put in the account could not be used until a whole week later! This has to be criminal!!! This is MY money that I need to right away or I can not close on a house and the bank tells me I can not use it! That is just down right wrong. Something needs to be done about this. Now most likely won't get the only home I have ever wanted or ever will want ; my grandmothers old house. Thanks to Ally Bank for potentially ruining my life. What a messed up way to run a business!
Product: Debt collection

Truthfully I didn't authorized Account with Nordstrom on XX/XX/2017. I filed report with FTC. However, Nordstrom wrote back that my account doesn't claim of fraud and such transaction was valid. However, I request them vital information like transaction date, location, and item purchase. Nordstrom stated they are unable to provide these information. They only can provide total amount of balance owe. This is an absolutely raised red flag of fraud to me. I believe Nordstrom mishandle protection of consumer rights to ask for details in order for me to file with a report with police station.
Product: Debt collection

Please see attached letter for details. I do not owe this debt. They are illegally trying to collect from me. They have illegally without my {$600.00} security deposit.
Product: Debt collection

Wakefield & Associates is reporting 3 collection accounts that I'm not liable for. The original creditor states that the contract was cancelled. I sent a formal dispute along with my identity theft report to them and the credit bureaus but they still have not updated my report accordingly. I have done everything to show documentation of the facts which is that these collections are inaccurately being reported by this collection firm.
Product: Student loan

at approximately XXXX today XX/XX/XXXX17, I called Navient to discuss my private loan I took out when I was in my XXXX year at XXXX University . My bill is {$87.00} a month. I am still enrolled in my XXXX and there telling me my in-school deferment is up on my private loan. I was able to go into a forebearance for two more months before I have to start paying that loan back. I had informed Navient that I am unemployed and still in school and when I had asked about any lower payments the only option is paying the {$67.00} interest payment for 24 months. My issue is not so much a complaint but an inquiry as the rules regarding in-school deferments for private loans. Also am I entitled to have my payments lowered further if I am still in school and have no away of avoiding a payment until I graduate?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX 's account that was open XX/XX/2015. No payments were made and the account was closed. Currently reporting that payments were made and incorrect close dates. I have attempted to contact XXXX as well as dispute the account with Experian and the debt continues to come back validated. When I inquire about the account I am sent to an address for customer care because the account is so old they are unable to pull up any information on it. The account is reporting as a balance unpaid when they report that they charged off the debt and transferred it. When Experian reaches out for validation they respond that all information is correct and continue to update the account on my report.
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. 

Account Name : XXXX XXXX  : Account XXXX : Balance : {$7800.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3800.00} Account Name : XXXX XXXX : Account XXXX XXXX XXXX : Balance : {$6300.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3300.00} Account Name : XXXX : Account Number : XXXX : Balance : {$12000.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3900.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$1300.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$4400.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/XXXX 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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a late payment on my XXXX XXXX home mortgage that was reported in XX/XX/2020 and was recorded XXXX by the other two credit bureaus. Transunion has this late recorded as XXXX creating the appearance of multiple months where payments were late/missed when it was only 1 occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped XXXX points for opening a new account. This seems excessive. My score was XXXX. It is now XXXX. 

There are also tines when my credit score had dropped but no changes were detected. How is this possible?