23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I want to file a formal complaint against Ocwen Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
We refinanced our home mortgage in XX/XX/XXXX when housing prices were up. Unfortunately, are now in an underwater mortgage because of the real estate market dropping several years ago. We applied for the HARP and HAMP loans, but we were denied because we make our payments on time EVERY month and currently we make enough money to pay our mortgage. We want to eventually downsize, but we ca n't sell our house at the current amount that is owed. I spoke with a mortgage consultant at XXXX XXXX XXXX. He informed us of a program that is a short payoff refinance through FHA. We had our house appraised and it is now valued at {$110000.00}. Our mortgage balance is {$160000.00}. I, along with the mortgage counselor at XXXX XXXX contacted Ocwen Loan Servicing , LLC . We explained to them that our house was appraised by a certified appraiser and there is a program specifically for our situation and that Ocwen Loan Servicing does participate in this program. We offered them the amount that the house was appraised at, which was {$110000.00}. On or about XX/XX/XXXX, we received a letter from Ocwen Loan Servicing indicating that they are accepting the " Discount Payoff '' for {$110000.00} and it was valid until XX/XX/XXXX. We continued working with XXXX XXXX XXXX by submitting all of the documentation that was requested of us. They had already approved us for the mortgage based on our credit scores as well as our income. Time was starting to run short and so our mortgage counselor requested additional time so that we would have ample time to make sure that everything was submitted to their specifications. Once we requested additional time, Ocwen started sending us letters that the discount payoff agreement was denied. Ocwen never submitted the payoff quote for the correct amount which was agreed upon, but instead they submitted it with the total amount which is currently owed on the loan. Our mortgage counselor as well as his manager made numerous phone calls to Ocwen and they were on the phone for hours trying to get the correct documents so that we could close on the new loan and also so that we could meet the deadline of XX/XX/XXXX. We were told that they would see about extending the date for a few days, but they would not put that in writing. The underwriting team from XXXX XXXX XXXX would not release funds without it being in writing for fear that Ocwen would reject the EFT. Because Ocwen kept transferring us to the wrong department all along and they will not submit the correct paperwork, we have now lost out on this agreement. A few times we were told that we need to talk to the short sale department and we did do that, but they kept saying that we were not approved for the discount payoff, when in actuality, we were. They have reneged on the agreement because of deliberately stalling and not submitting what was asked of them so that we could finalize everything by the termination date of the agreement. I feel they have been very unethical and also unprofessional.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I am supposed to receive a bonus of {$320.00} for opening a checking account, and it has been more than 30days since I met the requirements and I haven't received my bonus yet. I even called customer service multiple times, and each one of them giving me different stories. Some of the agents don't even award of the the bonus promotion requirements.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. These late payments are dramatically hurting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, all information furnished to credit reporting agencies must be complete and accurate. I formally request that you : Provide proper verification of the late payments, including the original creditors documentation confirming these delinquencies ' accuracy and reporting dates. 
If you are unable to verify this information with proper documentation as required by federal law, I request the immediate removal of all late payment notations from my credit reports with all reporting agencies. 

Additionally, I would like to point out my commitment to maintaining a positive credit history. Aside from these isolated late payments, my account has been managed responsibly. Given this, I am also kindly requesting, as a gesture of goodwill, that these late payments be removed. Such an adjustment would better reflect my overall payment history and allow me to continue building a strong financial profile. I will also attach my credit report, and you can see all the inaccuracies in each bureau
Product: Checking or savings account

Associated to CFPB Complaint ID # XXXX As a result of the aforementioned Complaint filed with CFPB, Optum Financial issued a refund/reimbursement of {$270.00} on XX/XX/2022. However, Optum Financial sent a forwarded a " Payment Card Transaction Denial Notification '' letter dated XX/XX/2022 and advised me that {$230.00} was denied and I am required to reimburse my XXXX  for the noted amount. I dispute that I owe that amount or any amount considering the merchandise associated with the denied claim or transaction was returned to the merchant, XXXX. On XX/XX/2022, I returned the merchandise tied to Optum 's claim and XXXX returned the funds to XXXX account in the amount of {$230.00}. The fund is whole and there should not be any pending funds associated with that particular claim. To this day, they have no honored my request for an itemized statement that details what was approved, denied, and why. Optum Financial is responsible for locating the returned funds and applying those funds to the appropriate record or associated claim. 
Optum Financial Claim Number XXXX
Product: Debt collection

I purchased XXXX months of medical insurance and it covered everything but a XXXX co-pays in XXXX 2014. This was was single coverage between XXXX jobs. Several months later I received a letter from collections for over {$300.00}. It appears the medical clinic lost the right information from my insurance and decided to bill me directly. The collections company is suggesting this is my fault even though I sent them proof of the coverage that and proof of payment for the coverage. I am not sure what I did to get this sort of harassment.
Product: Debt collection

Good day, I received collection item on my credit report through XXXX for $ XXXX name ( Trans World ) collection agency for XXXX this was old debt related to internet service which I no longer have XXXX mailed me proof of settlement letter dated XX/XX/XXXX that my debt was resolved and nothing owed because I paid itas of XXXX this matter was re-opened so I dont understand why?? XXXX resolved it with me and apparently sold this debt to collection agencyI have been in contact with this company several times, I requested a debt validation letter back in XXXX still not received to my mailing address however, they explained they sent emails to me which I confirmed my email address was correct and never received any emails from this company I was told from representative that ( 2 ) emails were sent one in XXXX & XXXX never received them, also asked if that info. can be sent again I was told they can not forward that info. because Im currently in disputethis company could not even provide timeframe for my dispute status and its been almost 60 days I would just have to wait I dont know who this company is, very unprofessional and many different representatives speaking not clear English that I can understand I did send letter for proof via email XXXX to show that I do not owe a debt to XXXX. This situation is affecting my credit for {$330.00} that I do not oweI have no unpaid balance nor equipment that I never returned. 

Please look into this matter because Im not getting anywhere with this companyjust today requested to speak with supervisor or manager and left on hold. no one ever came back to the line.
Product: Credit reporting or other personal consumer reports

Experian and XXXX have no right to be sharing my report to anyone without my consent. 15 usc 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies 15 usc 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless
Product: Credit card

My Macys American Express card was charged {$210.00} on XX/XX/2023. I put in a dispute which was denied. I called the XXXX XXXX and spoke to XXXX and she said they have the money back to XXXX XXXX. I cant understand the people I talk to at XXXX XXXX very well. There were XXXX people that told me they found the credit from the airlines but today I received a pay dues phone call from XXXX XXXX XXXX XXXX fees
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Settled Account Still Showing a Write-Off The account is reported as " Paid in settlement. '' Once settled, the balance should reflect as zero without any negative designation. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Incorrect Payment History The payment history incorrectly lists " 30, 60, 90-day late payments '' in XXXX despite the account being settled and closed. This misrepresentation negatively impacts my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm JPMCBs right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. 
Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have reviewed my credit reports and I see the errors that I have disputed for the past year are still there. I have two account that are past the 7 year credit reporting mark from the original date of deliquency that are still reporting and update each month and take points away that I have tried hard to restore. I also have another account that has recently closed and they are still reporting a past due whcih XXXX drops my score. That is illegal from an credit bureau to report a past due amount on a close daccount. I have sent 3 sets of letters to Experian to advise them of this I have note recived any reponse back nor has this been updated on my credit repoert. At this point I feel like I am being discriminated towards. for being a woman of XXXX. 

I have sent a letter on the following dates : XX/XX/22 XX/XX/22 XX/XX/22 I have not recieved any updates on my credit report nor any letters advising results. 

At this point I would like to begin legal action for not protecting my FCRA rights. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : First Payment Was Never Missed : Contrary to the report, my first payment was made on time. I have attached bank statements and payment confirmations showing that the payment was processed before the deadline. This should not have been recorded as late. 
Clerical Error by XXXX : After contacting XXXX, it became evident that a clerical error was made when processing the payment. They mistakenly recorded my account as delinquent despite receiving the funds on time. I have attached correspondence with XXXX acknowledging this error and confirming the payment was made. 
Inconsistent Reporting : While XXXX and Equifax both show a 120-day late payment, XXXX has no record of any delinquencies on this account. This inconsistency between the credit bureaus is further evidence that there is a reporting error. I have attached copies of my credit report from XXXX showing that the account is reported as current and up to date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ Credit Reporting Agency Name ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a letter to Equifax challenging unauthorized inquiries and a XXXX  account that is not mines to be removed or verified. The inquires to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As of today I have not received any updated status or results, I have also called and requested removal and was informed by the agent to send in a letter and a copy of my DL and SS card which I did. I am requesting according to the FCRA laws that this inaccurate information is removed immediately off my credit report. 

I will attached all documents that I have previous submitted. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion are inaccurately reporting my payment history .. Ive tried explaining to them and provided proof .. the inaccurate payment history is affecting my credit in a negative way as i have maintained stellar payment history. XXXX correctly displays my stellar payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX called and Disputed XX/XX/2023 My name is copyrighted and XXXX held in trust i informed them that the are infridging on my rights. I have a FOIA request and XXXX XXXX XXXX XXXX of the XXXX  im not in that jusdiction so that is defarmation and discrimination and identity theft of my property held in trust. I have POWER OF ATTORNEY IN FACT A FEE SCHEDULE AND FOIA REQUEST THAT SHOWS NO ONE IS TO BE USING MY INFORMATION WITHOUT MY CONSENT AND I NEVER CONTRACTED WITH EXPERIAN XXXX OR XXXX SO ANY THING LISTED IS A VOILATION OF MY NATURNAL RIGHTS AND FRAUD. XXXX HAS MY PROPERTY IN A DATA BREACH AND MY INFO IS BEING USING IN FRAUD. PLEASE CONTACT AND I WILL PROVIDE ALL NECESSARY DOCUMENTATION LISTED AND MY INTERNATIONAL PROTECT PERSON ID. 

ALL MY RIGHTS ARE RESERVED USC 1-308 31 USC 3123
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit report because I was getting notifications of inquiries being reported or added to my report, I was ignoring them at first because I didn't understand what they were saying, I recently checked XXXX XXXX it told me I had 35 inquiries with XXXX and 13 with Equifax along with XXXX none of which I applied for credit, or gave consent to financial institutes to run my name or social. Im not really sure how this came about but I would like to get it resolved in a timely fashion. I am attaching the police report along with this complaint in regards to the inquiries that were ran without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

This is my second round of trying to get this fixed. It was for uplift were settled for less than the amount through their collection agency through XXXX XXXX. They then finally fixed my credit report saying that it was resolved and theres no balance and then they went back a month later and reported a balance that is false And so now my credit lost almost XXXX points for incorrect information
Product: Debt collection

Today, I was at work when I got a phone call from a restricted number. The person left me a voicemail saying they are XXXX XXXX from XXXX serving me with legal court and criminal court documents tomorrow between XXXX and XXXX. I call the number they left on my voicemail and a guy by the name of XXXX told me I'm being sued by Fifth Third Bank. I have never had an account with that bank and have no knowledge or notice of being placed into collections by that bank. XXXX threatened me over the phone saying this will turn in to a warrant for my arrest and they are coming for me tomorrow. This has to be an act of fraud because I have never opened up a bank account with that bank however XXXX had all my information like my social security number.