23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been dealing with Ocwen Loan services for some time now, I originally had issues in XXXX when I had to try and secure a modification. I applied for a government HAMP modification and was denied 3 times with a reason of Ocwen stating that they couldn't prove that I lived at the property however they never sent anyone to verify. I was inclined to take one of their modifications that completely changed my mortgage terms. We have had 3 modifications with them over the years. The most recent in XXXX, I was asked to make payments on time at my regular rate for 5 months in which I did. The modification was completed in XXXX of XXXX. I continued paying at the same payment rate every month following with an escrow account in tact that was for my property taxes and my insurance that I had had for 15+ years. XXXX of XXXX I was contacted by the XXXX XXXX XXXX office that I owed for my property taxes and my Insurance company cancelled my home owners insurance due to non payment. I was unable to reinstate the Insurance or obtain Insurance through another company on my own. I was told that the servicer I had been transferred to PHH Mortgage Services was a partner of Ocwen and I was 2 months behind on my mortgage and they didnt have any record of my escrow account because Ocwen hadn't sent all of my loan documents to them at that point, yet I was still making the same payment with the escrow included. I was told I missed XXXX and XXXX payments in which I hadn't because I also purchased a car that year in XXXX. I was forced to pay a reinstatement fee on my loan of around XXXX and after doing so I was still 2 months behind and cant catch up. They then took out their own insurance on the property. In XX/XX/XXXX I had a tree fall on my house, I removed it myself and had heavy damage to the roof and back porch areas. I paid for materials to shore it up, the insurance adjuster came out and promptly sent me a check for the damages for XXXX, it was made out to me and PHH Mortgage. I called several contractors to estimate the job of repairs and none would touch it because PHH was holding the money and wanted to do a monitored release of funds. I have found a contractor however the paperwork trail is very extensive and they wont release the funds that they have already deposited into their account, I still do not have the repairs made on my roof because of the process they are using to get the funds.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As such, I request that the accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not authorized by me and are the result of fraudulent activity. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I received a letter from BOFA saying they will close all my credit cards accounts in 30 days, if I didn't send my ID documents. 
I sent everything they asked for by USPS priority mail, and I have a receipt with tracking number and also a inquiry response from USPS saying it was delivered at right address. 
After a 20 days calling and hearing from then that they can't confirm if it was received or not, they closed all my accounts ( two, credicard and visa ), and the answer was they never received the documents and can't do nothing about it. 
I went to my agency of BOFA in person with all my documents but they didn't helped me.
Product: Money transfer, virtual currency, or money service

They have been stealing my money I just cant believe this
Product: Checking or savings account

For the past several months, I have been trying to open a checking account at chase.com I enter my information, hit submit, then I see a message stating that Chase could not open the account because the product wasnt available in my region. This seems a bit odd since there is a Chase branch not too far from my home. 
Since I had previously held an account with Chase, I tried the application again, this time, I indicated that I was a Chase customer. I used my Chase login credentials, however, I received the same error message.
Product: Checking or savings account

I received an email from Citi Bank on XX/XX/XXXX advertising that if I open a checking account and deposit {$15000.00} for 60 days I would receive a {$400.00} cash bonus. The full terms and conditions can be found at this link XXXX XXXX   XXXX? XXXX I opened and funded ( {$15000.00} ) an account with Citi on XX/XX/XXXX. I called Citi shortly after and confirmed that my account was in good standing to receive my cash bonus. Shortly after XX/XX/XXXX I called and confirmed that I had met the requirements to receive my {$400.00} cash. I was instructed that now that I have met that requirement, I could withdraw money from the account. On XX/XX/XXXX, I withdrew {$5000.00}. 

Today, XX/XX/XXXX, I called Citi 3 times and each representative has hung up on me. The last representative that I spoke to, XXXX # XXXX, instructed me that the promo code attached to the account matched the promo code from my email ( and the link above ) but the terms of conditions were completely different. That I had to pay a bill two months in order to receive a gift card or " thank you points ''. None, of which are mentioned in the original promo email. 

According to the original promotional email ( or link above ), I am owed a {$400.00} cash bonus deposit from Citi.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

On XX/XX/2023, My account was locked due to security reasons. I was asked to provide proof of identity and bank statements. I submitted all documentation right away. I have yet to receive any update. I have made numerous phone calls and sent numerous emails and have been told my case is being handled by another department and that there isn't anyone else I can speak with.
Product: Checking or savings account

Had an account with them having problems open the account due to the closing of the account with Wells Fargo also unknown accounts being open that I had no knowledge of I never had a mortgage with them or applied for it
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX Date XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX Date XXXX Balance : {$15000.00}, XXXX XXXX Date XXXX Balance : {$6700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00}, XXXX XXXX Date XXXX Balance : {$12000.00}, XXXX XXXX Date XXXX Balance : {$7500.00}, XXXX XXXX XXXX Balance : {$4400.00}
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One credit bureaus saying account is closed which are split to multiple different accounts for student loans. XXXX  doesnt even have student loans listed. The fcra states that all accounts should be 100 % accurate. Ive tried multiple times to get them removed only to just get them updated on XXXX and experian. Also the dates are off and not same for date of first delinquent. These accounts are to be removed from credit immediately due to fair credit act thank you my credit has suffered drastically to the point I cant get housing I have trouble getting some employment due to information that is almost 8 years old.
Product: Checking or savings account

Venmo has held my money hostage since XXXX XXXX!! They refuse to fix whatever issue it is saying causing my account to be frozen!! I cant get my money out of the account and I cant send it to anyone else!!
Product: Debt collection

There is a collection my account that shows this month XX/XX/2023. I have never seen this collection or was even aware of it, when you click the name is it not me. Also, I have called the hospital and they said the date I was there was XX/XX/2023 I never went to a hospital around that time and i have never been to XXXX XXXX XXXX at all. I am confused why there is a collection under my report, I am not sure if it is fraud or what but this is not correct, and i would like this to be taken off my report.
Product: Credit reporting or other personal consumer reports

The following accounts has late payments which is wrong. The following accounts never had a late payment : DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX The following accounts are past the seven year statute of limitations and has to be deleted ; Account name XXXX XXXX  XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX
Product: Credit card

I have always made sure that payments on this account are made in a timely manner, never allowing them to become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has reported a fraudulent address to credit bureaus and I am in the Missouri Secretary of State Safe at Home Program. Refer to Missouri Statues Chapter 589.
Product: Debt collection

Regional Finance has reached out to me multiple times since the beginning of this year ( 2024 ) about debt belonging to my close relative. I am not a co-signer of any sort on the debt, and have requested that I not be contacted. I was reassured as recently as yesterday XX/XX/2024 that I would not be contacted again, but got a call from a new number ( they've called from a new number every time I block one ) today XX/XX/2024 about the same account, looking for my relative. This time I called back after the call was over to ask why my number is associated with the account ( and the answer I got is that my number must have been added when the account was created, which I will doubt until they prove. Unfortunately I have been told of debt collectors using people search sites to XXXXaccidentally ' call neighbors and relatives. ) I informed them I would be submitting a complaint, though they said again that I should " no longer be receiving any calls ''.
Product: Vehicle loan or lease

Payment was 4 days past due with XXXX XXXX, I was called numerous times daily, while at work. My references were called numerous times daily. I received a voicemail threatening repossession after only 4 days past due. I have paid a year on car, with no late payments. When I returned call to Creditor, I spoke with my Credit Manager. He was rude and Irate. I asked for copy of contract to be mailed to me. He wanted to speak about the payment that i made online earlier. Offered him a reference #. He yelled and screamed at me that if i made my payments on time then he wouldn't have to harass me. Asked him to stop calling my references, especially my elderly mother. He yelled no way, he will call all refs until i pay on time. Again asked him to stop calling my references. He refused. They will not work with you when needed and speak with you like you are stupid and worthless. I regret ever purchasing a vehicle through them. The car is always tore up, the warranty was worthless. I tried to explain that is is hard to pay for repairs and the car at the same time. I was told to either pay on due date or the car will be repossessed. Let him know that I would be reporting his actions to the CFPB and his response was a loud laughter with the reply " Have fun with that ''. Their phone calls are recorded. This happened today XX/XX/2022
Product: Checking or savings account

XX/XX/XXXX. 

This happens regularly. 

The account will have some amount of money, and two charges will go through.

The bank will take charges such that they can get TWO overdraft fees.

If I have {$5.00} in the account and there are two charges ( let 's say {$6.00} and {$4.00} ), then this bank will take the {$6.00} transaction first ( balance of - {$1.00} ) and then another {$4.00} ( balance of - {$10.00} ).

If they had taken it the other way around, ( {$4.00} and THEN {$6.00} ), it would have only necessitated ONE overdraft fee. 

Acct # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Mortgage

I have been forced into bankruptcy, to prevent foreclosure, twice after applying for a modification with my mortgage company and being denied. Last year, I applied for a modification and explained to my mortgage company I had a significant decrease in income. I provided all the documents, but kept being denied. After being notified by family that my home was listed online as a foreclosure, I contacted XXXX XXXX XXXX  for assistance. My counselor assisted me with completing and refiling the modification papers, but due to the foreclosure/sale date, I had to file bankruptcy again to stop the foreclosure. THEN, I was approved for a " 3 month trial period '' but my mortgage company sent the paperwork to my bankruptcy attorney 's PO BOX , instead of mailing them to me at my address, or the my attorney 's fiscal business address. When my attorney called me to come pick up the paperwork, I only had 2 days to have the final modification papers/documents sent back to my mortgage company. I did not have access to a fax machine, and even if I had paid for overnight postage with the Post Office, the documents would not arrive from Alabama to Texas by the due date. As a result, I took a picture of the documents with my cell phone and uploaded them to my email address. I emailed my mortgage company all of the paperwork, to the email address listed on the modification papers. They stated they NEVER received anything from me. I sent in verification of the date and time, the email was sent and that I did not get an error message or a notification that it was sent to an incorrect email address. They said it would be under review, and I would be notified. I never received an update. I later got a statement from the bankruptcy court that my mortgage company had filed to proceed with the foreclosure and they added additional bogus charges/fees for several inspections, attorney 's fees, and legal filings. I called my mortgage company again on Friday, XXXX XXXX, 2020 to ask for assistance on reapplying for a modification ( since my online account is deactivated due to my bankruptcy ). The customer service rep, stated I can not file for a modification and I would need to speak to someone named " XXXX. '' I asked who was XXXX, and was not given any information or any means to contact XXXX?? I called my bankruptcy attorney and asked what do I need to do. I explained I have been affected by COVID in XX/XX/2020 and XX/XX/2020. I used up all of my sick time, went on LWOP, plus I am the only one in the home that is working. My attorney advised me to try to refile for the modification because my mortgage company was the reason for me filing, and I can be released for bankruptcy if they approve a modification.
Product: Student loan

On XX/XX/XXXX, I made a payment of XXXX on my loan account which changed the balance from {$7300.00} to {$6300.00}. On XX/XX/XXXX, XXXX my account was refinanced by XXXX XXXX for {$7300.00}. 
On XX/XX/XXXX, I had a negative balance of XXXX. I contacted NAvient, requesting a refund of the negative amount to the loan account. XXXX, Loan Servicing Specialist, confirmed, the refund was approved, and a check will be sent in the mail. I never received the check. 
I called XX/XX/XXXX, following up with my Navient concerning my refund because I never received the check after speaking to multiple people. I finally talked to someone who was able to process the check. Finally, I received the check on XX/XX/XXXX. However, on XX/XX/XXXX, I checked my account, and there was a balance of {$1000.00}. This is a false balance. The billing statement should be XXXX. The loan lender is requesting double payment. I received the check because the account was over paid and was in a negative balance. I tired to contact the lender but have gotten no responce. 
Working with Navient in the past, they have consistently mismanaged my account balance. Every time I call the customer service agent is not helpful, and I have to talk to multiple people before I can get help
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020 I made a request to Equifax to remove the security freeze from my credit file so I may obtain a fair credit decision, but I've found out recently that the freeze is still on my files and I'd like to have this freeze permanently remove so I can establish credit
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX/XXXX/2017 and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,