23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am trying to resolve the matter of delinquent payments on my mortgage with Ocwen Loan Servicing. I had some major health issues and fell behind on my loan. I am now healthy and back at work, and have had a tenant move into my home in order to generate more money that can be dedicated to go to the monthly mortgage payment. The problem is that Ocwen refuses to open a review of my current financial circumstances and is demanding that I reinstate the full past due amount including the late fees and legal fees they have added. I can't get an assigned account manager to work with me and feel that Ocwen is denying me access to programs that should be made available to me. I have owned my home for over 50 years and do not want to lose it. This is an avoidable foreclosure, I have the means to make a fair payment. 

This home has been in my family since XX/XX/XXXX. We refinanced the loan in XX/XX/XXXX and had no issues with our monthly payment. We began having problems in XX/XX/XXXXwhen a wall in our backyard collapsed. There was a major question over who was responsible for the wall repair. We tried to work it out with our neighbor and the city but it turned into a big issue. We ended up getting fined {$6000.00} and were in and out of court dealing with the city inspector 's. We ended up having to pay {$12000.00} in order to rebuild the wall and this caused some financial problems for us. We fell behind on the loan and tried to get Ocwen to work with us at that time. However, we could not make any progress. Luckily we had some resources and we paid Ocwen a lump sum amount of {$14000.00} in past due payments in order to get back into good standing. We kept up with our payment until a little over a year ago when I had some health issues and was not able to work. We thought it would be easy to get caught up on our loan and reached out to their agents to see if we could be considered for a modification or a repayment plan or some type of compromise. The agents at Ocwen refused to allow us to even be considered for any of these programs and we were told the only option was a full reinstatement of the late payments and late fees. I am certain there are programs we qualify for and am puzzled and angry about the way Ocwen has handled our request for assistance. 

Our financial circumstances have dramatically improved. I am still working part time shifts as a XXXX and also receive SSI while my husband was receiving a pension. We sent all of this information in to Ocwen but they dragged their feet, and now, Unfortunately, my husband just passed away. In order to dedicate more money to our mortgage payment we now have a tenant paying rent to us in our home and my cousin is living here and contributing as well. We have more than enough income to afford a fair payment, but the issue is that Ocwen won't give me the time of day.
Product: Checking or savings account

I applied for a Bank of America Business advanced fundamentals checking account ( account ending # XXXX ) in XX/XX/XXXX under a {$200.00} promotional bonus offer being advertised. My account was approved and opened on XX/XX/XXXX. The terms of the promotional offer required depositing {$5000.00} or more in new funds within the first 30 days of account opening, and then maintaining that balance for the next 31-90 days. 

I deposited {$5000.00} to my account on XX/XX/XXXX and maintained at least the {$5000.00} balance through XX/XX/XXXX. Therefore, I have satisfied all of the requirements of the promotion in order to receive the {$200.00} bonus amount. Nonetheless, I still have not been credited the {$200.00} bonus to my checking account. 

I chatted with a Bank of America representative on XX/XX/XXXX to inquire on the status of receiving my {$200.00} bonus. The representative gave me no clear details around why the {$200.00} has not been issued to me yet and did not clarify at all what the status of my bonus payout is or when I could expect to receive it. I reiterated the terms of the promotion I signed up under several times and pointed out that I have fulfilled the promotion requirements. The representative simply told me that the 'reward is in review ' and then copy and pasted the promotion terms back to me which was useless of them to do given that I am aware of the promotion terms and had stated what they were to the representative myself earlier in our chat. 

Bank of America needs to review my business checking account immediately and rightfully credit the {$200.00} bonus amount to my account as I have properly satisfied the terms of the promotion which I signed up for when opening this account and the necessary amount of time ( 90 days from account opening ) has elapsed so the {$200.00} bonus should be credited to me by now.
Product: Credit reporting

I was part of the XXXX glitch and I would like all the inquires removed from my credit report. I mailed the a letter but got no response. As a result each credit reporting agency has now been alerted that I have new inquiries being reported and it bringing my scores down.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the three major credit reporting agencies ( XXXX, XXXX, and TransUnion ) for failing to properly investigate and resolve credit/account disputes in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I have disputed inaccurate information on my credit reports secondary to identity thefts with all three bureaus, but they did not conduct a reasonable and thorough investigation as required by law. As a result, the inaccurate information remains on my credit reports, causing harm to my credit score and financial well-being.15 U.S.C. 1681c-2also known as FCRA 605Bis a provision under the Fair Credit Reporting Act ( FCRA ) that relates to the blocking of information on a credit report that is the result of identity theft.The credit bureaus must block the fraudulent information from your credit report within 4 business days of receiving your request and supporting documentation which they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy has to be reported to the 3 credit bureaus by the actual clerk of courts, Ive already confirmed by the clerk himself that he did NOT report it to the bureaus, it was in fact, XXXX XXXX ( a third party reporting agency that is paid to do so ) that reported it. This puts the credit bureaus in violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXXf XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I file a police report with the XXXX XXXX Police Department ( Case # XXXX ). I reported that I was a victom of identity theft and some one was clearly using my identity for personal gain. What brought this to my attention was I continued to get alerts constantly on my XXXX XXXX account that a new account has been open in my name, or a new inquiry has posted to your account. So I investigated and found out that I had over 30 inquries along with some accounts and collection on my credit reports with all three Major Credit Bureau that I did not authorize or recognize. So I sent all three Bureaus a letter explaining the situation along with the police report and number to the police department. About a week or so later XXXX and XXXX both deleted these items off my credit but Equifax did not. I recently called Equifax to make sure they received my letter. Equifax answers and claims they did receive the letter but could not make out my drivers license and social, I told Equifax that I sent them the same information I sent the other two bureaus and they did not have a problem reading the information, so I resent them the information they needed and they continue to report the same information I submitted to them, the police and the other two bureaus. This company is refusing to follow the law of reporting 100 % accurate information and its my understanding against the law to report false information of a person who is a victom of Identity theft. Equifax needs to remove this information at once or I will have no choice but to seek legal counsel.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

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  15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions. 
15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681-s-2 ( a ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

I come today to request that the record is corrected due to errors I've seen on my credit report. I am natural person consumer pursuant 16CFR 444.1 ( d ) A natural person who seeks or acquires goods, services, or money for personal, family, or household use. I am asserting my right against the financial institutions and reporting agencies pursuant Regulation V. 12CFR 1016 Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse. I have not received any disclosures to opt of the sharing of my information. I have reached out to XXXX, XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX to validate this alleged debt. I filed a FTC report for identity theft attached for more information. XXXX XXXX XXXX is claiming I owe a debt how if all debt or alleged debt is obligation of the United States pursuant 18USC8 The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Pursuant 18 USC 8 how can one have a late payment if said law implies certificates of indebtedness is of the United States. The furnishers of this information is in direct violation of the FCRA. Pursuant 15USc 1681 c ( 2 ) a all information in connection to identity must be block within 4 days. I understand it has to be an investigation but understand that the law trumps policy. I request that the rules of the investigated report is followed pursuant 15USC1681 ( a ) e must have sources of interviews of family and friends. Further more pursuant 15USC 1681A ( 2 ) a ( iii ) I must be given a chance to direct the information whether I want the information about a transaction I had to be reported or not ( Gramm-Leach-Bliley Act ). I request all late payments are removed from my report. I request that XXXXXXXX XXXX XXXX is deleted due to my medical information being shared. I request the proper notices to opt are mailed monthly TO ME from each furnisher meaning financial institution and credit reporting agency failure to disclose such documents is direct violation of Regulation V. This information is false and misleading to anybody who sees my credit report. Banking is dependent upon the accuracy and fairness to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX obtained car loan from Santander Consumer USA for {$17000.00}. Made monthly payments of over {$440.00} a month until XX/XX/XXXX when a deer hit our van and our insurance company of XXXX totaled said van. Santander Consumer USA was notified by insurance company and THEY accepted payment of over {$9000.00} for settlement of this van. With the monthly payments and the insurance check, this van was paid in full. In XX/XX/XXXX Santander Consumer USA did sent us a bill for the remaining 3 years on note for this van. This was illegal due to their accepting the payment from our insurance company and for the van being totaled and thus no more van. Santander Consumer USA refused to accept, and we notified the Missouri Attorney General and we disputed this being owed. Santander Consumer USA has placed on our credit report that the amount of {$7600.00} was charged off. LIE. That is not true. That was the amount we paid on the loan. They failed to list the insurance payment of over {$9000.00} that was given them. Santander Consumer USA has committed fraud, they have lied to cause my husband, XXXX XXXX XXXX co-signer, and me to be denied credit, or to have credit higher than should be. WE want this immediately corrected and removed from our credit reports to ALL credit agencies. We recently got a van loan and because of Santander Consumer USA 's lies, we had to have a high interest rate of XXXX per cent. Santander Consumer USA intentionally set out to harm us and our credit. They have committed fraud by putting false information to the credit bureaus. WE WANT THIS Corrected immediately. We want a letter from the credit bureaus stating that the information provided from Santander Consumer USA was fraud, lies.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed an incorrect debt from XXXX with Experian. The debt relates to an account I never activated or used, and I never received any services or packages from XXXX. 

I had contacted XXXX by phone after filing the dispute to request verification of the debt, including proof that I signed up for their service and used it. XXXX failed to provide any validation or documentation confirming the debt. 

Despite my efforts to resolve the issue, the account remains on my credit report, and I am still being held responsible for the debt. Because of this Ive disputed the account once again on XX/XX/year>. Verizons failure to provide proper verification is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX has illegally added an account to my credit report despite my not having made any payments, incurred any charges, or activated any services under my name. I never received any packages or services from them, and they are fully aware of this. Despite these facts, they continue to hold me accountable for a debt I do not owe and have not utilized, attempting to make me pay for something I never used or agreed to. 

XXXX has not provided any necessary documentation to substantiate the debt, and the matter remains unresolved. 

As outlined under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that companies provide proper documentation substantiating the debt, they are required to validate the debt or remove it from the credit report if such validation is not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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

Pleased remove all fraud alerts and extended fraud alerts XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt or credit management

When contact was first made with Credit Wellness LLC I was on XXXX searching specifically for a phone number to contact XXXX XXXX XXXX when a link clearly with the name of XXXX XXXX XXXX brought up a phone number that I called from XXXX. A representative picked up and I did not know until much much later into the call that I was not speaking to someone regarding resolution of the account from XXXX XXXX XXXX. I paid a lage upfront fee and was made to subscribe to another service XXXX  as well. While the had 1 item removed from credit report in the XXXX month there has been nothing sense then and I am out of the money originally meant to pay my debt to XXXX XXXX XXXX and will have to work atleast 2-3 months just to pay it off unfortunately. I find this way of misleading customers into believing they are contacting XXXX XXXX XXXX to be intentionally misleading and predatory with many customers such as myself only continuing with the service in dear hope that Credit Wellness LLC can do what it promises for its customers now that we are out of the money meant to pay the original debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT OVER 3 609 LETTERS AND HAVE ONLY GOTTEN DISPUTES OR INVESTIGATION WHICH IS NOT WHAT I ASKED FOR. I SENT ID SSI WITH THE LETTERS. WHEN I CALLED AND INQUIRY I WAS HUNG UP ON 3 TIMES AND ENCOURAGE TO FILE A COMPLAINT WITH CFPB. SO I AM HEAR NOW HOPING TO FIX THIS. XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019
Product: Debt collection

I have received numerous calls from a company called Foster, Garbus and Garbu looking for a XXXX XXXX XXXX spelling? XXXX. Unfortunately I did n't record all dates. The phone calls have been coming for approx. 4+ months. On approx. XXXX XXXX, 2015 I called and explained that I do not know this person and please remove my number from their account. I did not receive any phone calls until XXXX XXXX Received XXXX calls XXXX XXXX, XXXX and XXXX XXXX on approx. XXXX I again called to explain I do not know this person and to remove my number. I did not receive any calls until XXXX ( received XXXX calls XXXX, XXXX and on XXXX ) on XXXX I had talk to someone and once again told them I do not know this person and remove my number. I again received a phone call on XXXX. On XXXX i called and talked to a XXXX XXXX. I explained my situation and he told me there can be several different accounts tied to XXXX name. I then asked to talk to a supervisor and was transferred to a voice mailbox of someone named XXXX. I left a message with my name and phone number and explained my situation. that was approx. 2 hours ago and I have not received a return call.
Product: Credit card

On or about the XXXX or XXXX of XX/XX/2024, I attempted to purchase a product from XXXX XXXX. I have a credit card with them for such things and that card is issued by Synchrony Bank. That request was denied and I found it hard to understand why because I have an excellent credit rating and I've done business with them previously.

One or two days later, I received an e-mail from what looked like Synchrony Bank about this transaction and requesting information from me before I could see the details. They asked for my SSN and and my zip code and a reference number that they provided on the e-mail. I entered the info they asked for and clicked on 'see details ' at which point I was told that the information I had entered was not consistent with their records. I wasn't given any more information than that. I thought there was something strange about the whole thing so I contacted XXXX and Synchrony Bank the next day to see if either of them had sent such an e-mail and I was told by both that they hadn't. I decided at that point to pursue security measures to protect myself.
Product: Checking or savings account

on XX/XX/2019 bank of America illegally closed my checking account and on at least 6 times I went into branch and called corporate office only to get yelled at and called nasty names they refuse to give my my funds back on this account I have a whiteness to everything I just want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX addresses listed on my credit report that have never belonged to me. 

In XXXX my birth certificate, social security card, and ID had been stolen. There are XXXX addresses, XXXX in XXXX and XXXX in XXXX that have never belonged to me. 

There are also XXXX addresses, XXXX, XXXX, and XXXX that do not belong to me as I was in jail at the time.
Product: Credit card

I filed a dispute about merchandise I ordered using my Wells Fargo credit card. The dispute was for merchandise I received was " not as expected ''. I attempted to return the merchandise, but the items took 35 days in shipping ( 5-8 days was stated on their website ) and therefore I could not return the items as they only have a 30 day return window from the date of the order. After speaking to the Wells Fargo dispute representative, I was told that the information was being processed. When I finally received the letter back from Wells Fargo weeks later, it stated that my dispute had been denied because my " merchandise not received '' was received and the company produced the shipping label. Somehow my claim of " not as expected '' turned into " not received '' and when I immediately called Wells Fargo back to find out what happened, I was told the deadline was missed. I spoke to about 6 different levels of customer support and eventually filed a complaint against Wells Fargo since their rep is the one who filed my claim incorrectly. Then when I get a call back from someone who spoke to the " dispute manager '' they again told me since my merchandise was received, I was out of luck. I can't get in touch with anyone who actually understands the problem.
Product: Debt collection

I sent a letter requesting proof that this account was in fact mine because I did n't recall the account. Once they sent me the information and I realized that it was my account I noticed that they were reporting the account open date as being the date that I spoke to someone from the collection company about the account. The open date should be reported as the date the account originally started with the original company. I would like for them to correct this.