23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a co-owner of XXXX XXXX XXXX XXXX, XXXX, New Jersey. The mortgage which I believe is an FHA mortgage is serviced by Ocwen. I was behind several payments to Ocwen loan servicing in XX/XX/XXXX. Ocwen refused to accept any payments from me an indicated that they intended to commence a foreclosure action against me. I retained an attorney to help me negotiate a loan modification. I also continued to save the payments that I was not making in a bank account so that if Ocwen required a lump sum payment I could tender the payments to them. In XX/XX/XXXX the attorney negotiated a loan modification trial payment of approximately {$3000.00} per month. I made every single trial payment and continued to make payments to Ocwen. At XXXX point they denied that I made the trial payments, then they acknowledged that the payments were made and indicated there was a problem with there system and they were migrating to a new system. By XX/XX/XXXX they could not give me a concete amount as to what my trial payment was or my permanently modified payment. One month I paid XXXX and then the next month I was told to pay XXXX There was no rhyme reason to the whole process. I have still tendering payments to Ocwen every month. 
Recently Ocwen wrote me to tell me the only reason I am not receiving a Home Affordable Modification Application was because I did not sign the documents. I did sign all documents that were sent to me and returned them to Ocwen. If I did not want the modification I would not have continued to tender the modified payment amount all of these months. My experience with Ocwen has been a maze of confusion that my counsel has not even been able to navigate. Mainly because once a loan modification was negotiated Ocwen dropped the ball for months and months and now maintains that I did not agree to a loan modification when all my action show otherwise. I should not be held accountable for their administrative incompetence. My attorney suggested I file this complaint and if it does not spur the resolution he will initiate litigation. 

My name is XXXX XXXX XXXX XXXX XXXX. 
My loan number with Ocwen is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After moving over XXXX XXXX XXXX my then fiance, wife, now ex-wife and i consumed over {$50000.00} in debt. It has all fallen on me and i have no idea how to get out of this financial whole, need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX 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/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

XXXX XXXX XXXX - XXXX of XXXX XXXX charged my credit card for XXXX XXXX XXXX I didn't order it nor did I get it. My husband ( XXXX XXXX XXXX ) had dealt with this company in the past. 
Since we did not get anything I did not check my Citi credit card. In XXXX of XXXX my credit score dropped. I immediately checked for a reason and found the Citi Credit reported I didn't pay my XX/XX/XXXX statement. 
I called Citi Card they said OK. My husband contacted XXXX XXXX resolve this issue. XXXX customer service sent my husband XXXX an email and confirmed the refund will ( confirmation # XXXX ) go to Citi Card. XXXX stated it could take up 3 days. 
Citi Card ( diamond preferred ). Citi said they would credit the amount, 3 days to show as well. 
XXXX I get an email saying I owe my missed payment of {$110.00} to Card. This has gone on month after month with no resolution. Citi card claims XXXX said it was a valid charge. 
I called XXXX ( XX/XX/XXXX ) they say they refunded the charge on XX/XX/XXXX and gave me an ID # for the refund # XXXX at XXXX on XX/XX/XXXX. 
Still getting emails and now phone calls from collections.
Product: Bank account or service

On XXXX/XXXX/2015 my account was deducted for a new subscription/donation charge of {$5.00} to XXXX XXXX XXXX MA. It caused the business checking account to be XXXX short. The bank charged a {$39.00} fee ( 3 ) days later. 

Since the order of the charged deducted are completely under the banks control they can manipulate the order of debits to cause a fee. But, the fee came from the {$5.00} debit and not the rest of the checks and charges. 
{$39.00} dollars is a lot of money for a XXXX cent overage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed outdated negative account information with Equifax, that is over 7yrs old, back on XXXX. They reported that this account was verified, and an updated reporting date was placed on my credit file for XXXX from the original reporting date of XXXX. I believe that someone in Equifax organization disregarded the Fair Credit Reporting Act, section XXXX, in order to prolong the removal of this outdated negative account by updated the reporting date of the account to XXXX. This account from XXXX XXXX XXXX XXXX should be removed and never updated. The account has been closed since XX/XX/2008 and the status on the credit report states, it's closed/paid/and zero balance.
Product: Checking or savings account

On XX/XX/XXXX, I had made a {$300.00} payment towards my rent. Also I had a {$40.00} payment, a {$20.00} payment, a {$25.00} and another {$20.00} payment pending. On XX/XX/XXXX, I had a {$270.00} payment. But what happened, was that the withdrawals got shuffled around and a few small payments were rejected as well as fees incurred. In the meantime, I had {$300.00} deposited but I have had over {$200.00} in fees. 

My place of employ was shut down because of the health crisis and I have no idea when I will be able to go back to work. I simply do not have the income to be playing these games with my bank. Many places are waving fees to help with this crisis ( like my utilities which is nice because that was one of my rejected payments ) but apparently not this institution which appears to be using this global time of health and financial crisis to net a profit for themselves.
Product: Debt collection

I received a notification on my credit report that my credit score dropped 45 points due to a debt collection. I have not received any notification regarding this collection or the debt. I was not notified of anything at all and I have no idea what this is for. This has now hit my credit report and I have disputed, but it is still remaining. I would have disputed this and asked for debt verification had I received any communication via mail, which I did not.
Product: Debt collection

Company calls multiple times a day even after being told not to. 
Will not answer any questions about who they are. 
Will not validate the " supposed '' debt Caller has identified themselves as either XXXX XXXX or XXXX XXXX. 

Phone number lookup identifies the company as American Collection Services. However, no one who calls will tell me the name of their company.
Product: Debt collection

EXPERIAN Report # XXXX XXXXXXXX, is listing an Account with negative and derogatory information on my credit report, I am requesting the below listed account be deleted immediately! And removed from my credit report. And opt-out all together from reporting. 
Account number listed as XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states 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. 

Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
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 WFC ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

On XX/XX/2021, customers who used Simple as their bank ( backed by BBVA USA XXXX had their accounts migrated to XXXX. The conversion has been a complete trainwreck, with thousands of people being locked out from being able to create new login information and/or accessing their accounts. In my case, my account is locked after following instructions XXXX laid out via their official XXXX. Their password resent protocol does not work. And customer service isn't available until XXXX. They've had over a year to plan this conversion out, and it has been a massive failure on all fronts. Big bank bureaucratic XXXX like this is exactly why people like myself signed up for Simple in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

I do no believe this debt is accurate. This was a business debt. The business was shut down due to lost of clients. This debt is overcharged or totally inaccurate. I do not know what the charges are for and how old these charges are. I do not know when these charges were made.
Product: Debt collection

Capital link management called at XXXX. Upon realizing the time they hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX Chapter XXXX bankruptcy petition US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX Employers Select as many as apply XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has violated me as a consumer. I'm unaware how they've obtained my person information, but I did not give them permission to my personal information or consumer report per 15 USC 6802. XX/XX/XXXX began accessing my consumer report onXX/XX/XXXX
Product: Checking or savings account

Someone transferred money into my account from someone elses account and then used those funds without my acknowledgement and now the bank it was taken from is trying to prosecute. I had to get 5 new debit cards due to identity theft in the past 6 months and after that incident I finally closed the account due to there inability to keep my account safe. You would think that if someone tried to add a bank account to transfer money to and FROM that the bank would see that its not in my name and would reject the transaction or adding of the bank account that obviously doesnt belong to the owner of the bank account they are adding it to nor married to that person
Product: Payday loan, title loan, or personal loan

I currently have a PNC checking account that went into the negative yesterday so I decided to try the instant XXXX dollar sites. " XXXX, XXXX, and XXXX are the sizes I tried. I make it all the way to where you link your account and it repeately says PNC has prevented your account from being linked to any 3rd party apps. I called PNC and was told the 3rd party apps that I'm using use the same security company which is doing updates but I'd be able to manually enter my account info and it would work. This is not the case. I don't have that option so now my account was hit with an additional XXXX dollars when I could of had this fixed last night if I was able to link my account.
Product: Money transfer, virtual currency, or money service

My complaint is against the company Square. They are a merchant settlement company. I signed up for their services, in XXXX, because I have a XXXX  XXXX  company. The account was opened right away, and I started using the account. After a few days, they asked me to provide more information, which I did, like bank account information, and some other things pertaining to my business. After I provided what they asked for, they sent me an email stating that my account would be closed, because it is considered high risk. I had already processed about five thousand in transactions. Then sent an email stating my account would be closed, and my funds would be held for 90 days. This is my second complaint regarding this. There was nothing done, due to the first complaint. The reason I am filing this second complaint is due to the Covid 19 Pandemic. I also have a fulltime job, and my job just like many others, I have been effected by this pandemic. I have been laid off from my job. I work for a company that prepares XXXX XXXX XXXX XXXX. I am filing this second complaint, because I need my funds to take care of my family. TI am a XXXX  XXXX XXXX, and I would like for this company to release my hard earned money. I can not afford to wait until XX/XX/XXXX. I need my money right now.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to not properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX constantly responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation, this practice violates the Fair Credit Reporting Act ( FCRA )XXXX XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations, I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

I have student loans that do n't belong to me on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Bureau 's has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts I believe it was reporting in error. 
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

The Credit Bureaus stated that my XXXX XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.
Product: Debt collection

Hi XXXX XXXX / ACA of XXXX ; I just got out of strange phone calls with representatives of XXXX XXXX XXXX # XXXX ) and ACA of XXXX XXXX XXXX ) and Im shocked, surprised, and honestly stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Plus, isn't this HIPPA violations for sharing my personal medical information with so many different third-party company? WHy? Plus why is there late payments shown on the payment history for a collection account? Isn't a collection account by default late and past due? 

Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Debt collection

Company sent a notice of acceleration on or near XX/XX/XXXX. 

XXXX ) The notice of the collections firm include an amount in arrears XXXX ) I disputed the debt but didn't get a reply within 30 days. 

XXXX ) The company filed for foreclosure sale on or near XX/XX/XXXX. 

XXXX ) The company told me they approved me for a modification on XX/XX/XXXX but I never got the modification and the company falsely noted that I withdrew the acceptance of the modification. 

XXXX ) I notified the company of the new XXXX CFPB rules on XX/XX/XXXX and they are mandated to contact and modify loans due to XXXX and the company ignored the request. 

XXXX ) I set up appointments to speak and the company calls on the wrong dates at the unassigned time. 

XXXX ) I get conflicting information on how the company will resolve its XX/XX/XXXX representation of approval for loss mitigation. XXXX person says 10 days another person gave me a date that's almost 21 days. 

XXXX ) The company hasnt processed a XX/XX/XXXX application of loss mitigation. 

XXXX ) I've sent multiple Notices of Errors, Qualified Written Responses, and other data to company and it hasn't replied or resolved any of the registered notices of errors and request for corrections. 

XXXX ) I'm getting call a from people seeking to buy my home being advertised for foreclosure when its illegal and a violation of the XXXX emergency by CFPB guidelines to conduct a sale at this time.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I took out the personal loan of {$50000.00} with 23 % interest rate, being convinced by a scammer. This scammer scammed me with XXXX investment and got me take out loans including the one from Upstart. 
After I noticed I got scammed, I called Upstart immediately ( on XX/XX/XXXX ) to seek any help they could provide to me. They couldn't lower the interest rate nor help me with their hardship program. Most importantly, even though I explained this loan was related to a scam I experienced, they said they can not do anything with it. Although the fund was arrived in my bank account, it was immediately transferred to blockchain and transferred to the scammer. 
I am hoping Upstart to reconsider this situation and write off the loans.
Product: Credit card or prepaid card

My Merrill Lynch Rewards+ Visa Signature credit card was closed without any notification on XX/XX/2020. 

When I called a customer service rep on XXXX XX/XX/2020 to ask what happened to my account and why i could not see it online, the representative told me that they had closed my account due to inactivity ; that they have recently instituted a policy where they no longer give customers any notification that their account has been closed ; and that the representative disagrees with the policy and thinks it is bad for customers, but can't do anything about it. 

I believe my card had about XXXX " rewards points '' worth about {$500.00} in cash or {$1000.00} in air travel bookings and these points were reportedly destroyed when my account was closed, without warning.