23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen Loan Servicing acting as the Servicer of this mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of HBOR law is based on Ocwen Loan Servicing Mortgage improperly and unfairly review our loan modification request for relief. We have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Ocwen Loan Servicing has repeatedly denied us help several times and we never get a single person to answer our questions honestly or directly. They always have hundreds of people pass of file amongst each other just to create motion and delays. We intend to keep our home and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. Ocwen Loan Servicing Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. They simply wish to foreclose and kick us out onto the streets. They have clearly violated HBOR specifically under the " dual tracking '' clause. Ocwen Loan Servicing Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX to illegally start foreclosure on my property. The Ocwen Loan Servicing Mortgage and Know Your Options website gave the result that we are eligible for a loan modification with a lower payment to save our property. So there no reason why Ocwen Loan Servicing should have denied our request or started foreclosure on our home.
Product: Student loan

XX/XX/XXXX-XX/XX/XXXX. 
This college is part of the XX/XX/XXXX Lawsuit. 
Their credits were useless not able to transfer college units plus their studies were incomplete and they were giving a degree an XXXX XXXX After incomplete after incomplete studies. During around XXXX  close their doors Those students were forgiven of their student loan. I was not forgiven of my student loan because I was not a student in XXXX. 
That should not matter Because they were also in violation when I went there.
Product: Credit card or prepaid card

Speedway Credit Card. Someone, Hacked my Account and charged almost {$2000.00}. Speedway, Closed every thing down.Transaction, were on XXXX, XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Last 4 of SSN - XXXX Case for card number ending in XXXX I got the case response and you guys are saying that the items ordered match my address. This isnt true. I live in a gated community and my unit has no designation. According to the attached paperwork, someone using another name ( XXXX XXXX XXXX had it go to a location in XXXX, VA with the address saying XXXX XXXX XXXX. I have no apartment. There is another part of the neighborhood that has apartments and is in XXXX. 

Please look again at the evidence presented. Someone clearly took my card near me and did this. 

Please see the attached. Also I have info from XXXX themselves who admitted fault. 

I do NOT live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX. I live at XXXX XXXX XXXX, XXXX, VA XXXX. 
These are XXXX different areas.
Product: Student loan

I have XXXX loans, XXXX  loans and XXXX loans with AidAdvantage. I was also serviced by XXXX before, so I have questions about that transfer as well. 
Since the interest rates restarted after XXXX, I have noticed that the information on my servicer website is inaccurate. I believe I have been the victim of mishandling my loans and payments. 
I have several examples but I will focus on XXXX. 
In XXXX of this year, AidAdvantage changed my status to XXXX, although I was enrolled and they disbursed payment to the University of  XXXX. Interest was accrued and I needed to resend all documentation that I was enrolled. I was told that the interest would be reposted to my account, but it hasn't. 
I have made several payments to the loans and my balance is still getting higher. The information I see on their site is not accurate and it doesn't even match what I see on the XXXX website. 
I recently, on XX/XX/XXXX, made a {$3000.00} payment that I noticed has not been posted. This means that again I have accrued interest that is not correct and the customer service is not able to explain. 
I have had several calls with AidAdvantage and nothing ever gets resolved. 
I would like to request a full audit of my loans starting in XXXX  as I believe they are not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, XXXX XXXX advertised that Indigo was a High match that I would receive a credit card. it also said on the promotion that this pre qualification will not affect your credit. I have provided a screen shot of what Indigo 's Website actually says. As I proceeded with the application, it states that this will not affect your credit as I gave my information, I immediately got notification that my credit was ran as a hard pull because I have fraud alert on my credit report. I called during business hours the next day to let them no what happened and I was told I would be given a call back. It is now XX/XX/XXXX. I called yesterday XX/XX/XXXX, to get status and they told me that it will not be removed. I refuse to allow this company to take advantage of my credit by unlawfully running a hard inquires WITHOUT my permission. I want this removed immediately
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding inaccurate items and incorrect personal information on my credit report. On XX/XX/2024, I mailed a dispute letter to TransUnion requesting an investigation into these inaccuracies. Additionally, I disputed incorrect personal information listed on my credit report. Despite providing my proof of identification, TransUnion refused to conduct the investigation, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite providing TransUnion with all necessary information and documentation, they have refused to conduct a proper investigation and correct the inaccuracies and incorrect personal information on my credit report. This refusal has negatively impacted my financial standing and caused undue stress and inconvenience. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response from TransUnion dated XX/XX/2024, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TransUnion for its failure to comply with the FCRA. I also request that TransUnion promptly conduct a thorough investigation into the inaccuracies and incorrect personal information on my credit report, correct any errors, and provide me with a free copy of my updated report. 

I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.
Product: Mortgage

COMPLAINT # XXXXAfter request for help from XXXX CFPB sent XXXX notice of complaint as per CFPB letter dated XX/XX/XXXX. I have been working with XXXX to settle with Franklin Credit Management XXXX XXXX Lien Holder ) so that a Deed-In-Lieu can be accepted on my property at XXXX XXXX XXXX XXXX, NC XXXX. 

XX/XX/XXXX - XXXX informs me that on XX/XX/XXXX they sent a fax to Franklin Credit an offer to settle. Today I called XXXX credit to verify that they had received the offer and they claim that no offer has been received. Fax number sent was XXXX. I requested that XXXX send another fax with the offer to Fax # XXXX XXXX - XXXX ( Franklin Credit XXXX. 
Foreclosure hearing is on the XX/XX/XXXX. This will be the 4th Court Hearing! 
Both, XXXX and Franklin Credit call me almost daily, even today. I have given them all the information they requested to do a Deed-In-Lieu. Unfortunately, Franklin Credit does not seem to cooperate with XXXX and resolve the settlement so that there will be a clear title. 

This new complaint is directed in reference to Franklin Credit Management. The record should show XXXX recorded conversations ) well over 100 conversations concerning my account and no resolution in site. 

I ask that CFPB send a letter to Franklin Credit to work out a settlement so that a Deed-In-Lieu can proceed. 

Information on the account with Franklin Credit Management is as follows : Account XXXXFranklin Credit Management CorporationXXXX XXXX NJ XXXX XXXX have been trying to settle with Franklin since XX/XX/XXXX. The customer service is absolutely unacceptable. Last 3 way conversation with Franklin Credit, XXXX, and I this month, should have cleared any obstacles yet it has not! Someone is not telling the truth and I am to the point where I have no choice but to walk away. My personal finances are in a critical status and I do not know what to do. 

Your cooperation is urgently requested. 

Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

I am writing to formally notify you that I previously requested, on XX/XX/year>, that you cease all communications with me regarding the account # XXXX. This request was sent in a validation letter. Despite my request, I have received further communication from your office in the form of an email on XX/XX/year>. 

Under the Fair Debt Collection Practices Act ( FDCPA ), once a debtor requests that a debt collector cease communication, the debt collector is required to honor the request, except in the specific circumstances such as notifying me of legal action or other essential information. Your recent contact is a violation of the provision. 

I respectfully request you immediately cease and desist from any further contact with me, expect as legally required. If you continue to violate my rights by contacting me further, I will also file a complaint with the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this compliant on my own. There is no third party involved with this complaint. I have sent numerous letters to XXXX, and XXXX informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. They also This item in my credit file are from unauthorized use of my social security number and card. I did not authorize this accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking XXXX, and XXXX to Please have this information removed from my consumer report under 15 U.S.C. 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the XXXX data breach. 

This is corrupted process that wells fargo & XXXX has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : XXXX
Product: Debt collection

I received a text from credit bureau that some one is reporting a negative account some collection agency I have not open any account in XX/XX/23 with this company! I believe this is an account thats included in my bankruptcy that is trying to still collect which is called quick bate! They wont show pride of this debt I want this to be removed and deleted from my report and stop harassing me I have not open anything after my bankruptcy and not paid 1. Name and contact information 2. Proof of your authorization to collect this debt 3. Copy of agreements and contracts 4. Please stop harassing under code 15UDC 1666b 5. This account and any negative account was included in my bankruptcy
Product: Vehicle loan or lease

Global Lending Services repossessed the vehicle in XXXX of 2018 after trespassing on private property, I went to retrieve the vehicle and or my belongings out of the vehicle within one week and was told that I couldn't pay my past due balance to get the car back, that I was in breech of contract and that the vehicle would be sold at auction. Although I signed an agreement with them to extend the payment plan after loss of employment. XXXX did not let me retrieve anything that I had in the vehicle to include my childrens car seat and they sold the car at auction, recuperated the amount of the loan and still continue to report me late to the credit agencies every month. 

CEASE & DESIST REPORTING OF PAY STATUS ON MY BEHALF PURSUANT TO 15 USC1681B CONSUMER REPORTING IS VOLUNTARY AND I AM NOT VOLUNTEERING OR GIVE PERMISSION TO PROVIDE REPORTING OF ANY NEGATIVE ACCOUNT STATUS TO ANY CREDITOR, CRA, THIRD PARTIES
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 incorrect personal information. 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 reports no consent is fraud.
Product: Checking or savings account

Wells Fargo Bank 's fraud department contacted me regarding possible fraudulent transactions on my checking account. I verified that I DID NOT AUTHORIZE any transactions. A report was immediately filed. Wells Fargo immediately closed my account and opened a new account over the phone. According to Wells Fargo, the XXXX transactions totaling {$600.00} ( each were for {$300.00} ) were done via XXXX and sent to someone I don't know. 
A day and a half later, Wells Fargo allowed these same XXXX transactions to post to my account causing the account to be in " overdrawn '' status. The transactions were done through XXXX linked to my account. 
Today I am being told Wells Fargo reached out to XXXX and no fraudulent activity was observed so they were DENYING my claim dispute. I was not aware of any of this UNTIL WELLS FARGO XXXX DEPARTMENT REACHED OUT TO ME!!! 
Now my account is in overdrawn status, Wells Fargo refuses to do anything, and are refusing to close my account due to the overdrawn status! 
They have already allowed this to happen twice. How can I be protected when the account is still open?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the inability of the Credit Bureaus to properly investigate my Credit File and remove the disputed fraudulent accounts and information that are still reporting on my Credit File. Again, I was a victim of identity theft and I am submitting this CFPB Complaint as another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}. Also, the Credit Bureaus have claimed that the Disputed items are verified and are reporting Accurate information thus they continued reporting the disputed items. However, I never received anything as proof of verification let alone any documents bearing my signature. If the Credit Bureaus continued their erroneous reporting, please understand I will initiate legal countermeasures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX XXXX  XXXX XXXX XXXX XXXX Bank account # XXXX*has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX XXXX XXXX XXXX XXXX Bank to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. Experian, XXXX, and XXXX XXXX must remove all information reporting from and relating to ( XXXX XXXX XXXX ) including third party debt collection accounts associated with ( XXXX XXXX XXXX ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for their failure to respond to a dispute letter that I mailed on XX/XX/year>, requesting an investigation into inaccurate items on my credit report. In my dispute letter, I requested investigations into entries for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

Despite mailing the dispute letter, I did not receive any response from TransUnion with investigation results. This failure to respond violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. 

Enclosed with this complaint is a copy of the dispute letter I sent to TransUnion, serving as evidence of my attempt to address inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Product: Mortgage

On XX/XX/2023 I served Freedom Mortgage with documents related to a mortgage they formally serviced. Loan number : XXXX. I notified Freedom Mortgage that the loan was discharged in XXXX XXXX  Bankruptcy in the XXXX XXXX XXXX New York on XX/XX/2023. I also mailed using certified mail, a letter of recession which rescinded my securities interests in the mortgage and demanded payment for the interest that was owed to me as it relates to the mortgage being traded in the securities markets. 

I also notified XXXXXXXX XXXX that their transfer of the mortgage to Freedom Financial was illegal because it was initiated and processed after the mortgage was discharged. I also served XXXX XXXX that at the time of the purchase of the property that they were responsible for filing the deed with the county of record. Furthermore, XXXX and Freedom Mortgage was required to file a satisfaction of mortgage once they become aware of the discharge of the mortgage.

Freedom Mortgage was also served with a 1099a and a 1099c cancellation of debt. However, I continue to receive mortgage statements from Freedom Mortgage in reference to the mortgage that was transfer by XXXX.
Product: Credit card or prepaid card

I have a credit card with XXXX 's XXXX rewards Card for 18 months and my credit limit was XXXX for a purchase from the apple. I have made all my payments on time and never exceeded my credit limit. In the last 2 months i started to pay down my card with large payments of XXXX every week for 4-6 weeks and after the 4th payment, the company reduced my credit limit reflecting the amount that i paid off. My new credit limit is XXXX and my balance is XXXX approximately. This puts me higher than the credit debt ratio before my large payoffs and increases my apr rate and reduces my credit availability which affects my credit score negatively. So for paying off my credit card my credit score went down and my apr rate ca, be raised for making payments to reduce my interest rates that i was being charged. I see this as being unfair to me and affecting my credit score negatively which is causing additional hardships on myself and family. My timely payments and excellent track record with this company has gotten me a decreased credit score and the company raising my apr rates and interest rates due.
Product: Credit card

Today, XXXX/XXXX/15, I received an email from American Express indication that my credit line has been substantially reduced. I have never gone over my credit limit ; I have never paid late ; I have always paid more than the minimum amount due. 
I have written to them asking why my credit line was reduced as I have adhered to the agreement I have with American Express.
Product: Credit card

On XX/XX/2021 I purchased a medical procedure on an advertise 0 % financing plan for XXXX years if the full balance were paid by the promotion expiration date. In setting up the account I enrolled in auto-pay which recommended a minimum payment that was already prefilled. This auto-pay rate I assumed to be the rate in which I would remain complaint to the promotional terms. This was not the case, following XXXX years of auto-pay, the balance was not paid and I was automatically charged without warning XXXX years worth of deferred interest for not meeting the promotion rules. Auto-pay 's continued and no emails, letters, or correspondence was issued to alert me of this. As a result I was charged over $ XXXX dollars in deferred interest. The practice of making the recommended minimum payment amount in the lenders own auto-pay tool not complaint with the lender 's own promotion policy seems intentionally misleading and predatory.
Product: Mortgage

I have a mortgage with XXXX services since XXXX my principle has n't decreased yet.I have been in the XXXX keep my home program since XXXX they paid all of my late fees and got me caught up so now XXXX has turned my mortgage over to select portfolio servicing inc.I have never heard of them before however they sent me new statements with a new and higher loan amounts I did modification twice I believe but XXXX keep my home paid all outstanding fees but select portfolio have added it back in.I called them but no luck that 's not right.I have a 30yr mortgage and this is year XXXX and I 'm still paying interest only I do n't know if XXXX is XXXX or household financial.this is predatory lending.