23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I 've filed a complaint about this problem before with CFPB. Ocwen Financial Services, LLC is my current mortgage service provider. For two years now, Ocwen has insisted that my mortgage payments are late or insufficient to cover the PITI payment. The geneses of the problem lies in the fact that Ocwen placed force insurance on my loan at premiums well above XXXX $ US. In fact for the past two years, the insurance company, Insurance broker and myself have sent to Ocwen proof of insurance via letter, fax, emails and phone calls. Ocwen does not have proper internal administrative computer systems to resolve the mortgage payment issue and still insists ( even after Ocwen said I was correct and they would fix the problem ) I am in arrears with my payment. As a result Ocwen has assessed me late payment fees, property valuation fees, Default notice fees etc. I have made all my payments to Ocwen. And if any payment was late, I did include a late fee.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these pavments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt or credit management

I was told by Lexington Law that they could help fix my credit i was charged monthly for services in which they stated they were constantly working on my credit but never fixed anything and continued taking the monthly payments until I removed my credit card and bank account information. I understand that there is a class.action law suit against this company and I am more than certain that I am a victim of their unlawful practices. I was a client during XXXX through XXXX and I have moved and no longer reside where I did back then and would like to have my address corrected if I can. Hopefully someone will contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple unrecognizable inquiries on my account some were even applied for on the same day this list includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other unrecognizable inquiries I have are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I sent them an a conditional acceptance letter requesting them to validate there claim against me for an alleged debt I may owe them. They failed to send me anything I requested. They are legally in dispute and they are still reporting this alleged debt on my credit report.
Product: Checking or savings account

I called today XX/XX/2019 to the chase bank, due to finding out of a account being opened under my name with no knowledge of it. And they did nothing to help me on going as a victim of fraud. I'm so upset and furious customer service is no help
Product: Checking or savings account

On XX/XX/XXXX i received two checks from a estranged family member supposed to move in with us transferring money into my account. Checks were deemed fake on XX/XX/XXXX when we could not find account at XXXX XXXX checks were from. I asked the card to be stopped as on check was available activity I did not do starting with XX/XX/XXXX a XXXX transaction {$1500.00} then XX/XX/XXXX {$50.00} in XXXX CT XXXX XX/XX/XXXX {$25.00} XXXX in Delaware another XX/XX/XXXX {$14.00}. XXXX XXXX in California I owe the bank {$10.00} out of the {$1600.00}. XXXX they say I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am checking on the status of Complaint ID : XXXX. Vice President XXXX XXXXXXXX of Continental Finance sent a letter back stating that the late payment reporting in XX/XX/2020 would be removed from my credit report within XXXX days. This was back in XXXX and we are now going into XXXX. I even tried to submit the letter to the credit bureaus to have them remove it and still nothing. I am hoping that this is resolved, and that the deletion can be honored.
Product: Credit card or prepaid card

On XX/XX/XXXX, I initiated an electronic payment from my bank ( XXXX XXXX ) to Synchrony Bank/Care Credit to make a payment that was due on XX/XX/XXXX. 

In the normal course of business, an electronic transfer should take no more than 24 hours to arrive at the destination. Based upon that, the arrival would have been on XX/XX/XXXX in advance of the due date. 

Synchrony failed to credit my account under the claim that they " do not credit accounts over the weekend '', I find this hard to believe and laughable as while they may not have been open to credit my account, they were open enough to assess a late fee. 

Additionally, the lender claimed that the delay in posting is something that they disclose in the terms and conditions ... as if disclosing unethical behavior somehow makes their behavior somehow ethical and acceptable. 

I urge this bureau to fully investigate them and correlate this behavior with other complaints and fines levied against this institution. It appears that {$250.00} million in fines is not having the desired effect as corrective action and more significant action be taking in an effort to correct their behavior. 

Finally, I would like to add my commentary to the request for comment on the Reg Z changes recently published : Banks should not and must not be allowed to make more money in fee income than from their interest rates that they charge. The level of fees banks are near usurious and the regulatory agencies have stood by far too long and not acting in the best interest of the People.
Product: Debt or credit management

I used my principal XXXX XXXX and invested in J.P. MORGAN CHASE BANK giving CHASE the security collateral from my principals estate in exchange for a credit card. 
When I filled out the application online I did not see any place to attach the tender required stated in The Federal Reserve Act Section 16 paragraph 2 as a result I sent XXXX XXXX a letter on XX/XX/year> with a Power of attorney showing I have jurisdiction over my citizen along with the tender acting in correct performance demonstrating the ability to contract and was treated like a minor which is discrimination because of age - Equal opportunity Act. 
I received a letter of Decline due to past or present delinquent credit obligations, too few accounts, limited credit experience and history of poor performance. This is a Violation of 15 USC 1615- The right to Service and again age discrimination - Equal Opportunity Act. 
There was also discrimination based on credit history. Only the Federal Reserve Board of Governors has the authority to decline credit - Federal Reserve Act Section 16 - which J.P. MORGAN CHASE BANK is NOT. 
Banks are only allowed to borrow ( 12 USC 1431 ). 
Furthermore, I have the right to credit due to the fact the funding comes out of my Principals estate. ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX ). 
XXXX XXXX failed to respond so I sent another letter on XX/XX/year> asking for a copy of the application, requesting a XXXX XXXX dollar credit limit on the credit card and giving him the opportunity to cure. Again No response so I sent a 3rd letter on XX/XX/year> for default judgement and again no response was received so I proceeded to study how to file a civil claim where I found in the rules that I must communicate with you first so I am doing so now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I PURCHASED A COPY OF MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. THIS REPORT SHOWED SEVERAL ERRORS ON MY REPORT AS WELL AS INCORRECT AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT. I SUBMITTED SEVERAL LETTERS TO THE CREDIT BUREAUS IN AN ATTEMPT TO CORRECT THE ERRORS. THE CREDIT BUREAUS HAVE YET TO CORRECT THESE ERRORS. THEY ARE NOT EVEN INVESTIGATING MY CHALLENGES TO THESE ERRORS. THEY ALWAYS COME BACK VERIFIED BUT IF I AS A CONSUMER CAN SEE THE ERRORS HOW CAN THEY NOT? 
EXPERIAN XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Complaint Forum, I am writing regarding the issue I am facing with PayPal 's fund holding and account lockdown. I seek your assistance in resolving this matter. 

On XX/XX/23, PayPal limited my account, blocking access to funds and freezing transactions. I can not withdraw or transfer {$1400.00} USD, causing significant financial hardship. 

PayPal 's account lockdown disrupts my business operations and inconveniences both me and my customers. Despite multiple attempts to contact customer support, generic responses without clear explanations or timelines were provided. 

I am in full compliance with PayPal 's policies, with no violations or fraudulent activities. I am willing to provide documentation for account verification and fund release. 

The fund holding and account lockdown adversely affect my personal and professional life, hindering financial obligations, order fulfillment, and business stability. 

Please assist in facilitating a resolution with PayPal by releasing my funds and reinstating my account 's normal functioning. Fair and transparent financial services are essential, and I trust a satisfactory resolution can be achieved. 

Thank you for your attention. I anticipate your prompt response. 

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

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Multiple accounts on report with these dates.
Product: Debt collection

I got an email on XX/XX/year> about an overdue balance on a lease for cabinets that I never purchased. The company was Acima and I talked to their fraud department and I asked them to begin an investigation and I thought it was resolved but then today which is XX/XX/year> I received a phone call from a financial group that was attempting to collect the remainder of the money. I inform them that I had already talked to Acima and that I never bought these cabinets and they tried to tell me that maybe it was somebody in my home and that is not the case. I asked if I should file a police report and they said I could but in this case they have all the documentation to prove that I bought these cabinets that I never bought. But again I didn't buy the cabinets and I can not find any record in my bank accounts of ever having made payments but they say that two payments were made and they couldn't tell me from what account or exact numbers and allegedly they're sending me some sort of documentation now.
Product: Checking or savings account

I opened a no fee checking account with Bank of America some time in XXXX, based on the condition that I don't use the teller / bank-walk-in facilities and I get my statements by email only, while I can use online banking and ATM for doing transactions. It was good all these years until they suddenly charged me XXXX $ fee on XX/XX/XXXX. Since I was honoring all the conditions set by bank till XX/XX/XXXX, I didn't notice the inside details of the statements Bank of America sent through email. Coincidentally in the month of XXXX I logged in the bank account and noticed XXXX $ fee because I didn't maintain XXXX $ minimum balance and they have abandoned the e-checking account or no-fee online only checking account, which I was not aware of. 

When a significant change of this sort is being implemented by Bank of america, I would have expected them to send a letter through mail not just mentioning it in the email statement! which missed my attention because I trusted in Bank of America that they will continue to have the facility they provided initially when I opened the checking account. 

So in total they charged me XXXX $ monthly fee for two months i.e for XXXX month which I was totally unaware of and for XXXX month, when I logged in the account and became aware of the new rule. As soon as I was aware of this, I made sure that I maintained XXXX $ minimum balance by transferring external funds. 

It is totally unethical by the bank to charge the customer by not informing about the new changes they did by proper means of letter through Mail. 

I kindly request you to take this with bank and refund my XXXX $ fee collected by them.
Product: Vehicle loan or lease

On  XXXX   XXXX   XXXX  I traded my  XXXX   XXXX   XXXX  for a  XXXX   XXXX   XXXX  pursuant to an accident on  XXXX   XXXX   XXXX . My wife did not like the old car after it was repaired and we opted for a newer different car. The  XXXX  dealer did not make the next timely payment nor payoff to the prior finance company (  WFDS  ). I received a late notice and submitted a {$600.00} loan payment by telephone on  XXXX   XXXX   XXXX . Subsequently I have tried to get my refund from WFDS who advises me they sent the payment on  XXXX   XXXX   XXXX  to my old address. On numerous occasions I notified WFDS by telephone that my new address is in  XXXX , VA and not  XXXX , VA. They are holding m e hostage to t heir procedures claiming that I have to sign and submit an affidavit that I did not receive the refund - in other words putting the burden on me for their inefficiencies. Plus to add insult to injury they did not send a postage paid return envelope. Based on the time value of money,  WFDS  is procrastinating refunding my overpayment plus an additional {$46.00} from the original payoff transaction. I contacted them in early  XXXX   XXXX  when we moved into the new house so they would have the correct address. I also contacted them in  XXXX ,  XXXX  and  XXXX . They claim not to have a record of the change of address until my follow-up complaint in  XXXX .   I have not seen their payment. I do n't have any idea where or if the payment was sent. I have no control over what they are doing with their procedures.   I would also propose that a fair penalty to them would  be 10 percent of the refund if they ever get it resolved.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I requested documentation asking them to show me where I signed a contract with them ( I.Q. Data International , Inc ) and I asked them for proof that they are legally authorized to collect in the state of Georgia and balance breakdown of ALL charges. Theyve violated my consumer rights under the Fair Debt Collection Practices Act 15 U.S.C. 1692 ( g ) Section 809 ( b ). I was also violated because under U.S.C. 1681 Section 602 ( a ) states I reserve the privacy and I asked for them to remove this from my credit since I didnt give them written consent to furnish this account, under U.S.C . 1681 Section 604 ( a ), this is my right and Ive been violated by this company. This company is also violating me because they arent even licensed to collect debt in the state of Georgia. I didnt get any of the information I requested from this company to show prove that they arent violating my consumer rights.
Product: Student loan

I graduated XXXX in 2014 and called XXXXAES who now services my private loans. I asked them for an estimate of what my payments would be in XXXX when they come do and they finally gave me an estimate. I asked how long the repayment term was and they would not tell me. I would like to know how long my terms of repayment are.
Product: Payday loan, title loan, or personal loan

I entered a contract with Solar Mosaic, Llc in the beginning of XX/XX/2022 for purchasing solar panels from an independent contractor. 

After having several disputes with the contractor, I informed Solar Mosaic not to disburse the funds. I informed them twice verbally, once via email and once via two day with tracking mail. I was informed after the second call to not disburse funds that I would need to sign off on the disbursement. 

I later was informed by Solar Mosaic that funds were disbursed anyway. They are now requiring payments on a solar panels not complete and in breach while also refusing to tell us where our funds went. 

I have asked twice in writing via two day mail with tracking for information regarding the funds. When they were disbursed, who they were paid to, How much was paid and to how many contractors. There is conflicting information regarding the installation. I have a long list of complaints regarding the installation and financing. 
They are now refusing to speak to me when I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to the XXXX XXXX XXXX Acct : XXXX on my Experian credit report.I have contacted Experian several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e.  something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing.I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims actions. In the absence of any such documentation I formally request that this information be immediatedly deleted from the credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this unauthorized inquiry from XXXX since XX/XX/2020. I have reached out to XXXX XXXX  and they have no record of my Information in their system. I then started my dispute with Equifax by sending over all required documentation showing proof that this inquiry was not done by me. I have sent over several FTC reports to Equifax and it seems to me that I get ignored each time. Under 15 U.S. Code 1681 ( n ) civil liability for willful noncompliance. So this account is also in violation. Please remove this inquiry asap
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX  XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Contacted Portfolio Recovery when my wages started being garnished and asked them to send me proof of said account. Now all 3 credit reporting agencies have no record of this debt from the " original creditor '' and they have failed to provide me any proof that this is MY debt. They claim this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and sold to them in XX/XX/XXXX. I have no court documents of a collection, summons or judgement being issued to them for this debt. No paperwork for Wage Garnishment Court Order, Copy of Summons, ca n't find anything. No one can seem to find the paperwork and this has caused me undue stress. I have suffered undue hardship due to the wages being taken and I am past due with bills and the holidays are coming and no work means no pay.
Product: Credit card or prepaid card

I contacted the WF with the issue below and I was informed that the issue will be addressed. It wasn't. 
1 ) Charge to card of foreign transaction fees. 
In XX/XX/XXXX I called WF and inquired if the card carries foreign transaction fees. As I was told it doesn't I have used the card during my trip in XXXX in XX/XX/2017. 
I was told by the CSR that I was misinformed and that the fees will be refunded. They were not. 
2 ) Foreign Currency ( MXN to US $ exchange fee ). The listing in T & C I inquired after the transactions were conducted that the WF takes its fee from the average of the market spot rate trading day. However the lowest of the trading band for MXN to US $ was at the lowest XXXX with the highest on XXXX ( XX/XX/2017 ) so the questions I have to WF are as follow : why the transactions have applied rates of outside of the trading band for that day : XXXX, XXXX, XXXX, XXXX which point to WF gaming the exchange rate in its favor without proper disclosure and detriment to consumers. 

3. Account bonus issue. As per disclosed marketing agreement by WF the account will receive a {$200.00} credit bonus after its initial {$1000.00} or more purchase threshold. Although I have met and exceeded this qualifier the {$200.00} credit has not been posted contrary to the credit card offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

SUBJECT : Experian 's BLOCKING THE ACCESS TO INDIVIDUAL CREDIT REPORTS For the past few days, Experian is BLOCKING the ACCESS TO 1 ) MY INDIVIDUAL CREDIT REPORT ( S ) at FREE ANNUAL CREDIT REPORT.COM, OR 2 ) OR THROUGH A FREE 7 DAY TRIAL WITH {$24.00} CREDIT CARD DEPOSIT, OR 3 ) AT XXXX  3 AT 1 CREDIT REPORTS/PAYED SERVICE/S. 

I allege that EXPERIAN is willfully blocking the my credit report in order to hold a FALSE AND FRAUD, LOWER CREDIT SCORE of XXXX ( today, XX/XX/2021 my Experian Cr. score was XXXX XXXX, comparing to XXXX or XXXX ( my cr. score is XXXX, XX/XX/2021 ). 

THIS MUST BE FIXED IMMEDIATELY, and credit scores must not have such huge XXXX scores difference. This is damaging for my financial state and opportunities.
Product: Mortgage

In 2014, I went to XXXX in order to buy a mobile home. I paid them in good faith a deposit of {$3.00}. They promised me that my monthly payment would be {$830.00} and would not rise. A few days of being there I got an increase in the payment. An later, I got another increases in the payment. With this second increases my budget was not enough to pay. So, I decided to leave because I could not afford the new payment. I preferred to lose the {$3500.00} that had given of deposit. To my surprise I am seeing that they put a judgment against me on XXXX XXXX. Please see my credit report ( attachment ). I should put a judgment against them for {$3500.00} I lost. Please investigate this company because I 'm not the only one who has had this kind of issues by this entity. Additionally, I need help in order to remove the trial they put against me.
Product: Credit reporting or other personal consumer reports

Bank of America failed to repair my credit score after nearly one year ongoing fraught on closed credit card after their representatives reassured me me they will send information to credit agencies to fix my credit score.