23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chase closed my checking 's account on XXXX XXXXXXXX XXXX, and it had funds of around XXXX at the time. I have made several calls since then to their customer service asking for an XXXX when will I receive the funds, but they dont provide me any information and just says that it is under processing.
Product: Mortgage

We paid off our mortgage on XXXX XXXX, 2017 and the loan servicing company, Ocwen, has not yet send the Satisfaction document to our XXXX XXXX County Register of Deeds to comply with state requirements for lien release/satisfaction. It has been over 3 months since we wired the payoff funds. North Carolina has statute 45-36.9 that states ( see attached ) : 45-36.9. Secured creditor to submit satisfaction or release for recording ; liability for failure. ( a ) A secured creditor shall submit for recording a satisfaction of a security instrument within 30 days after the creditor receives full payment or performance of the secured obligation. ( c ) A secured creditor that is required to submit a satisfaction of a security instrument or a release for recording pursuant to this section and does not do so by the end of the period specified in subsection ( a  ) or ( a1 ) of this section is also liable to the landowner for XXXX XXXX dollars ( {$1000.00} ) and any reasonable attorneys ' fees and court costs incurred. We discussed this situation with an Ocwen 'escalation relationship manager ' on XXXX XXXX, 2017. He  checked with the 'lien review department team ' and found a XXXX XXXX, 2017 e-mail stating 'data was missing ', thus preventing completion of the Satisfaction document. He said he would research and reply in 3 to 5 business days. However, we have little confidence that Ocwen will quickly or properly resolve this situation. We do have a XXXX XXXX, 2017 letter from Ocwen stating that they received the payoff funds XXXX XXXX, 2017 and that these funds satisfy the loan in full. The mortgage was originally with XXXX XXXX, who transferred that line of business to Ocwen Loan Servicing - a huge disservice to us - have had several problems dealing with this company.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from RENT RECOVERY SOLUTION. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against RENT RECOVERY SOLUTION in regards to this matter. The XXXX also instructed me to complete and theft affidavit through XXXX XXXX. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was denied an apartment rental based on inaccurate information that indicated I had a civil judgment against me. I promptly contacted XXXX owned by XXXX XXXX and Experian who stated they received the information from Experian to correct this issue, providing them with documentation proving that the alleged civil judgment was included in my XXXX  XXXX bankruptcy, which was converted to XXXX  XXXX in XXXX and discharged. However my credit reports from all 3 bureaus confirm that no civil judgment exists on its own however included in the bankruptcy ; only the discharged bankruptcy is listed and they are saying they got this information from Experian. 

XXXX acknowledged receiving this documentation that I also sent to Experian but has since refused to update their records, citing that the incorrect information came from a third-party vendor I can not contact directly called XXXX  and that I could not contact them but also provided me with documentation that this information came from Experian. Despite providing the necessary bankruptcy documents to XXXX and Experian they have failed to make the required updates or inform the apartment complex of the correction.

Given that these companies have had the relevant documentation for 9 days and has not acted to resolve this issue, a fair resolution would be to update my
information immediately to reflect the accurate details and rectify the situation with the apartment complex. This delay is impacting my ability to secure housing, and prompt action is necessary to correct this error.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed that there are some inaccuracies and fraudulent account activity and I'm requesting a review of the accounts.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Vehicle loan or lease

I purchased a vehicle and XXXX XXXX XXXX, financed it. I made all of my payments on time, and paid the vehicle off sooner than the projected pay off date.I received a letter in the mail from Ally stating that during the year that I was purchasing my vehicle, there was over payments made by purchasers. There was a settlement and consumers will be receiving a portion of the settlement. I received a check in the amount of {$310.00}. I lost the check while moving and recently found it. The check was written in XXXX. I contacted Ally Financial and explained this situation to them, and I was told that is will not be a problem replacing the check. i was told to send a copy of the check, along with the last four digits of my social. After 3 weeks passed and me not hearing from the company or receiving a new check, I reached out to them again. The second time I spoke with a different representative, she told me to give them a couple of days to make sure that the check hasn't been cashed. I gave her all of the information on the check. She also told me that if I haven't hears from them in two business days that, that mans everything is good and they will send the check out. This was a month ago. Tuesday, XXXX, XXXX, XXXX. I called Ally Financial again to find out what's going on with the check, that i haven't received. Of coarse, I spoke with a different representative this time. I explained everything to her, and gave her the reference number that was given to me, ( XXXX ) the last time I called. I was put on hold 3 times for 3 to 4 minutes each time, while she went to " speak with her supervisor '' about this matter. The representative came back to the phone the last time she put me on hold. She told me that she spoke with the supervisor, and that the supervisor said that the check number ( XXXX ) was not a check from their company, and there was nothing that she could do.
Product: Debt collection

During my annual review of my credit report, I have identified a collection item on my credit report : Paramount Recovery Systems.

Balance : {$310.00} Listed as an " Installment '' Debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$630.00} XXXX  XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights XXXX XXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account # XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account 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

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Mortgage

loan number XXXX my name is XXXX XXXX i am trying to refinance i was in forbearance plan end in XX/XX/XXXX i am not late with my payment my mortgage company give false statement that i am late with payment 30days 60 days 90 days if i am in forbearance plan my mortgage company cant not reported late payment i think they doing this so they can keep my business but i dont this company my payment is to high and i am geting lower rate with another company
Product: Mortgage

On XX/XX/XXXX I emailed the XXXX XXXX XXXX XXXX my legal residence application to change my legal residence to my current address XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX. On XX/XX/XXXX, XXXX XXXX approved my change from 6 % to 4 %. On XX/XX/XXXX the mortgage company told me it wasn't approved so I have gone back and forth with Penny MaXXXX and the tax office on these dates- XX/XX/XXXX, XX/XX/XXXX. Penny mac needed the exact amount of what the dollar amount would need to be from the tax office, I lost a lot of trust in PennyMac, don't they have people that specialize in this? On XX/XX/XXXX I was told by penny mac I would get a refund and my payment would be lower. None of this has happened yet.
Product: Debt collection

I requested a full debt validation from this company I have no clue where this debt came from. I was sent a voided check as proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Experian on XXXX2017 about my concerns. They assured me that the situation would be resolved. It has not. They have done this to me before, I would like my report to be correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( spoke with XXXX at XXXX ), I made contact via phone calls and written asking for proof of a signed contract by myself and them and if they would provide it, I'd gladly accept responsibility. 3 disputes were filed with XXXX, XXXX, and EXPERIAN. The disputes was resolved in the favor of the collection agencies, I found this out upon checking my profile, so XXXX I filed a 4th disputed with all the credit agencies asking for written verification proof and a signed contract between these reporting collection agencies or to remove these item from my credit file. 

I owe no debt to XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX I never signed a contract with them, nor do I know who they are. In accordance with the FCRA. These companies along with XXXX, XXXX, AND EXPERIAN has violated my rights under 15 U.S.C. 1681 602 A. states I have the right to privacy. 15 U.S.C 1681. 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) states a persons shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Last Monday  XXXX   XXXX , Chase bank decided to close all  XXXX  of my credit cards.  XXXX  business, and  XXXX  personal credit cards. The personal credit have been opened without 2 years and the business for over  XXXX . Never have I missed a payments, overspent half the credit line or took adavantage of any points rewards system. I am a model customer with no problems. Matter of face I have been with  Chase si nce Washington Mutual. Like I said never been late, missed a payment or abused or over used the credit lines. I had a credit line of {$120000.00} approximately with a balance of {$4500.00} total which has since been paid off.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly ReportedXXXX XXXX XXXX XXXXXXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXXXXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by your agency. your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I XXXX proceed with my life, or I XXXX be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Mortgage

I would like to file a complaint against the noteholder and servicing company for the mortgage on my primary residence. 

Im attaching supporting documents and letters for review as well. I believe I am a victim of mortgage fraud from XX/XX/XXXX and am still suffering from that experience. I filed for chapter XXXX bankruptcy in XX/XX/XXXX and the since the house was my primary residence it was discharged in the bankruptcy. 

I have been trying to get a loan modification for over 5 years that would bring the mortgage amount to at least to the fair market value. 

One of the issue appears to be valuation reports sent to me by the lender. The reports are biased in favor of the note holder. The comparables used are extraordinarily high and located in a much more desirable areas. They show an appreciation of over 33 % in 18 months which is impossible. 

I have made three monthly payments and each time the lender has returned them. They are claiming Im behind in my payments even though I have sent them in. 

More recently, SPS has retained an attorney and threatening to foreclose on the property. They offered a payment plan that was too exorbitant given my income. I have sent in the last three payments and they keep sending them back. They are demanding a lump sum of over {$29000.00} instead of agreeing to a loan modification with affordable month payments. 

Please refer to the attached letters and documents that show all the issues and correspondence from the loan I am reaching out to anyone that can help me resolve this issue since I do not want to lose my home. We really need the noteholder to agree to a loan modification so that we can have monthly payments affordable with our income as shown on our tax returns.
Product: Vehicle loan or lease

It seems like there has been a trail of loan fraud and title fraud dealing with the vehicle I purchased in California and somehow XXXX did something with the title after it was sold. I have not been able to renew my title registration or sell the car which I had planned to do back in XXXX of this year. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX https : XXXX Westlake Direct XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX : //www.westlakefinancial.com/
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS AND ONE ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue with Experian 's response to my pre-arbitration demand resolution dispute, which was submitted on XX/XX/year>. The dispute included necessary documentation for identity verification, and I have received an inadequate response from Experian indicating that I did not submit sufficient proof of identity. 

Complaint Details : Dispute Date : XX/XX/year> Tracking Number of Certified Letter : XXXX Experians Response : Experian responded with a notice stating that I did not provide sufficient proof of identity. However, I submitted current bills and a copy of my drivers license within the certified letter. 
The complete documentation, including my current bills and valid identification, should have sufficed for identity verification. The response I received from Experian lacks clarity and fails to address my dispute appropriately. 

Request for Settlement : I am also requesting a pre-arbitration settlement amount of {$3000.00} for the pain, suffering, and hardship this process has caused me. The delays and lack of clarity in Experians response have led to significant distress and inconvenience. 

Data Breach Concerns : Additionally, I would like to bring to your attention that my personal information has been compromised as part of a data breach, which is contributing to my concerns regarding identity verification. I have attached relevant documentation related to the data breach for your reference. 

Attached Documents : Please find attached the entire file sent to Experian, which includes all the identity verification documents previously provided, as well as documentation regarding the data breach.
Product: Credit reporting or other personal consumer reports

I've been trying for months to get a debt collection from Paradigm Assets Recovery removed from my credit report. The original debt was to XXXXXXXX XXXX, and went into default in XX/XX/XXXX. At some point, the debt was sold to Paradigm Assets Recovery. The debt is now over seven years old, and I keep asking to have it removed from my XXXX credit report, but they keep declining to remove it, without providing any proof. I can not contact Paradigm directly due to their history of fraudulently extending debt reporting based on even a phone call to them. Indeed, Paradigm continues to retaliate to my disputes- they now report that the debt started in XXXX, without providing any proof. 

I can no longer access my credit card statements from XXXX 's, but I have attached two " nag '' emails, indicating that my account was past due in XXXX.