23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage is with OCWEN. Each year when they renew my loan information I end up short in my escrow due to homeowners insurance going up or something they 've done. I always pay the difference so I can keep my monthly payment the same since I live on a budget. I called to verify the amount short and asked if it would remain the same if I paid the shortage or a little more, the lady with OCWEN said if I paid little more than what was short, it should be at the same payment or even a little less. I wrote a check for a few dollars more than what the shortage was & mailed it on XX/XX/XXXX. On XX/XX/XXXX I called OCWEN to see if they received the check because it still had not cleared my bank ; and what my payment would be. The lady I spoke with said yes they had received it and applied it, however my payment went UP a few more dollars instead of going down or remaining the same. So I paid a little more than what was owed according to the contract paperwork OCWEN sent me. I asked why and she said because my insurance went up. I told her they have never done business with me this way and that my payment should stay the same as it did in the previous years. She said they do n't allow the amount to go back to what it was anymore, I asked why & she said because my insurance went up. I mentioned again that this is what they stated on the XX/XX/XXXX updated loan contract, why does she keep blaming it on the insurance going up, it goes up every year and this has never been the issue. She said they just do n't put it back to the original amount anymore. So I said, not only did I pay more than what they said it would be short ; my payment is going up more, so I 'm just giving them extra money for nothing. Needless to say I 'm currently looking into refinancing with another company. Also as of today XX/XX/XXXX, the check I sent them on XX/XX/XXXX still has not cleared my bank, so I 'm going to call them again to inquire about it. OCWEN is a nightmare. I have never been late on a payment yet I 'm being treated as if I were not the customer but in debt to them regardless. Several years ago I had to file a complaint because I was paying a little extra and marking the appropriate box where I wanted this extra $ to go. OCWEN never applied it to my choice, they applied it to their choice so it messed my finances up. They eventually fixed it after I got a lawyer involved. Shame on these big bully companies for pushing around EXCELLENT customer. I have thorough documentation regarding the two conversations I had with the two OCWEN representatives, names and ID # 's.
Product: Credit card

I have a legitimate debt with a collection agency. Recently, they have begun calling my adult son 's cell phone number about my debt. This is harassment, as he does not live with me and is not responsible for my debts in any way.
Product: Student loan

I was enrolled for school at XXXX University. At the beginning of the start date I became ill, and was hospitalized. I also had to deal with a XXXX after arriving home. I did n't even start in the school start. I never used their services, did n't get any books, did n't even log on. Their campus logs show that. I explained to student enrollment I was unable to get to a phone during their small window of cancellation sue to being hospitalized. They did n't care, did n't offer nay alternative or ask for proof. because this is a for profit school they did any and everything they could to get almost {$3000.00} from me. I did n't get a service from them. and AGAIN I never logged into their system to start the online courses. I told them I did n't have a job, I am on welfare and the financial aid was the only way I was paying for school. they stated they will continue to call me and ask for me to pay for {$3000.00} knowing I had no way to pay for it. Furthermore, did n't even listen to my valid point that i do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my mortgage with XXXX XXXX XXXX was transferred to Northwest to oversee my acct. I filed a dispute with your agency against Northwest and a decision was made that my claims should not be against Northwest but against XXXX Since then XXXX has filed and rescinded the foreclosure on my property. There is currently a complaint against XXXX  with the Attorney Generals Office. My attorney is still waiting for XXXX to get back to them on how they are going to negate the issues. After reviewing my credit report I found that Northwest was reporting to the credit bureaus. I contacted them in XX/XX/XXXXand ask them to remove the account at least until we know the outcome of my case since it is still pending and no decision is made. The representative said they has to contact XXXX  and will call me back. When the rep called me back she said XXXX  said that if I had a problem to contact them. When I contacted XXXX they never addressed my issue about the Northwest but continued to go back and forth about the pending case. Therefore contacting you is my only way of resolving this.
Product: Mortgage

To whom it may concern. 

I am calling regarding loan number XXXX under XXXX XXXX. I am XXXX XXXX and the contractor currently repairing the fire damaged property. I and Mr. XXXX have been trying to get hold of your company for 2 months now pertaining to incorrect 1099 sent to me. In 2019, you sent me a total amount of {$50000.00} for repairs on the property ; however, you sent me a {$64000.00} 1099. 
Please send me the correct 1099 as you are delaying my company filing taxes.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by CONVERGENT OUTSOURCING , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation..

I am requesting deletion account from all credit bureaus. 

This is the account : CONVERGENT OUTSOURCING , INC . 
Opened : XXXX XXXX, 2020. 
Balance : {$1600.00} Original Creditor Name : XXXX XXXX XXXXXXXX Highest Balance : {$1600.00}. 

Please see the document attached.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX acct number XXXX, XXXX Acct number XXXX, and Citibank acct number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-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: Checking or savings account

I was doing business with two companies that did not deliver on their promise after payment was sent. I tried to reach out to the company but wasnt able to get my money refunded to me. I then reached out the my bank and filed a dispute. I turned in all communications and provided the bank with all information needed to resolve the dispute fairly. The bank took two weeks the first time and denied the dispute due to information missing. I sent more emails shared between the two merchants that took the funds and the bank accepted the and we feel are not doing anything further but hoping we discontinue our pursuit. The Bank is Navy Federal Credit Union
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There is an account showing as an authorized user. I am not an authorized user on this account. This is invalid & inaccurate. I demand this account to be removed from the credit report so only accurate and valid information is showing.
Product: Credit reporting

XXXX. 
ACCOUNT # XXXX THIS IS A INVALD COLLECTION ACCOUNT. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH XXXX and Experian. THIS WAS A IDENTITY THEFT CASE. PLEASE REMOVE THE COLLECTION FROM MY REPORT.
Product: Debt collection

On XX/XX/XXXX  Portfolio Recovery was sent a certified dispute letter requesting validation of an alleged debt owed by XXXX XXXX in the amount of {$580.00}. As of today, XX/XX/XXXX  they have failed to respond to the letter or provide legal documentation such as a promissory note or contract bearing my signature which holds me legally responsible for this alleged debt. Portfolio Recovery is illegally reporting a false debt to the credit reporting agencies without notifying me in writing first. It is a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to a verification letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each dispute I requested original application agreement on several attempts no documents have been provided and based on Fair Credit Report it should be completely removed from credit report it original agreement can not be provided. Thank You
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. I sent out a certified dispute ( Certified mailing number XXXX ) to XXXX. In this dispute letter I clearly disputed with proof of error between XXXX and Transunion Credit report, The creditor XXXX XXXX XXXX XXXX # XXXX. In This letter I provided copies of the erroneous errors and the inaccuracies between the information provided from both credit bureaus, ( Which I have provided copies to this complaint as well for official use in regard to escalating this matter with the attorney general ).

Pursuant to FCRA 15 U.S.C 623 " A furnisher of information, such as XXXX and Transunion MUST NOT furnish inaccurate consumer information to CRA '' XXXX and Transunion have both openly and willingly taken apart of violating i5 USC 623 and doubled down by also partaking in both Unlawful Business Practices as well as Unfair Trade Practices being that this is now affecting my credit and causing me treble damages being XXXX and Transunion are providing inaccurate and egregious information. 

The letter was sent out Certified mail and XXXX received my Certified dispute letter on XX/XX/XXXXXXXX XXXX XXXXXXXX. 

By FCRA XXXX and Transunion MUST REMOVE all inaccurate information from my credit report in which they failed to do even upon receiving clear proof of inaccuracy. Under FCRA XXXX nor Transunion have the right to FALSELY claim nor state that the item is " Verified as Accurate '' NOR Choose to " Update '' any accounts after being shown the inaccuracies. ALL accounts with any discrepancy, inaccuracy or false information pursuant to FCRA MUST BE COMPLETELY REMOVED from a consumers credit file!! Which They did not do.

I received an email today XX/XX/XXXX that " My dispute results are in '' Which is very very strange because XXXX nor Transunion NEVER opened an actual dispute in this matter and no dispute statuses were ever given. HOWEVER, Somehow 10 Days after receiving my certified letter, XXXX Claims that they partook in " Verifying '' the information which to be frank, is a flat out lie. There is NO WAY an accurate Verification process took place from XXXX or Transunion 's end within 10 days. Please note that in this disputed letter I sent I also requested a METHOD OF VERIFICATION from both XXXX and Transunion in which I never received. 

XXXX and Transunion have now breached FCRA law and Consumer rights. I as the consumer did my part by providing proof of inaccuracy and requesting the item being completely removed from my credit Reports. BOTH XXXX and Transunion yet again, decide to openly break FCRA and Consumer law by partaking in frivolous, unlawful business practice, and unfair trade practice.

Please be aware that in the attached files the most recent dispute response from XXXX DOES NOT show any creditor or account number that was supposedly disputed but somehow was verified as accurate.

Please note and be aware that this complaint is for documentation and escalation purposes, as this will be used for the purpose to show good faith from my end in this matter prior to filing this issue with the Attorney general and a lawsuit.
Product: Money transfer, virtual currency, or money service

Hello dear paypal, my name is XXXX I feel sad due to my account was hacked and nobody want help me with my case. 
All the evidence was reported, different device, different location, vpn conection, different phone number, different address, all card and bank financial, all the information was added to the case and they is still declined without made a good review. 

i want executive check my case and help me with this problem. 

my email is XXXX This is the Case update : XXXX The client reports unauthorized access and transactions. The email XXXXXXXX XXXX XXXX XXXX  does not belong to the client. This email was added without authorization of the client. The terminal bank account XXXX XXXX does not belong to the client and the transactions and withdrawals were not authorized by the client. There is a risk associated with these unauthorized transactions because they were made from a different device. You can also determine access to the account from different places and countries. The connections associated with access to the account were made through VPN CONNECTIONS and the IPs are very different. Other changes that the client did not authorize was, The client 's personal information was changed, such as address, telephone and financial products. All these changes were not authorized by the customer. Please help the customer to get a refund. At this point, I have already helped the client to regain access to his account and now he needs to obtain a refund for the unauthorized transactions. 

Transaction ID XXXX Transaction amount {$5900.00} USD Transaction ID : XXXX Transaction amount : {$8100.00} USD Transaction ID : XXXX Transaction amount : {$1200.00} USD
Product: Credit reporting or other personal consumer reports

The reporting of the account from XXXX XXXX ACCT # XXXX AT {$630.00} LISTED AS XXXX XXXX XXXX Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was XXXX XXXX XXXXXXXX and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. 
Which also allowed the XXXX XXXX XXXX XXXX, EXPERIAN, XXXX  XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Debt collection

On XX/XX/year> XXXX XXXX XXXX send XXXX XXXX  an Affidavit of Facts to Validate the alleged debt that was said I owe. XXXX XXXX has not rebutted my Affidavit of Truth nor did U.S. Bank provid the documentation requested to validate the alleged debt.

Please provide the following documentation to validate this alleged debt.

1. Full detailed list of the payment history on this account. 
2. Please provide the original signature that I agreed to on the contract for XXXX. 
3. Has there been any insurance found on this debt. 
4. Please provide the claim of Title that you have to collect this alleged debt. 

Please see attachments
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I closed on the house in XXXX I moved to XXXX to buy another house but my wire transfer was sent to wrong account, also on XXXX XXXX another wire was sent to the same wrong account, Wells Fargo is holding my money in the wrong account and refusing to transfer to my account, one wire was for & XXXX and second wire was for {$20.00}. Please help me to get my money.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding several inaccurate addresses listed on my credit report with the credit bureaus. These addresses are fraudulent, non-deliverable, and violate the Fair Credit Reporting Act ( FCRA ). To ensure my credit report accurately reflects my current address, the following incorrect addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment, Fields 8-13 - Address, Positions 66-104 ). 

I have made previous attempts to resolve this issue directly with the credit bureaus, but the inaccuracies persist. The incorrect information adversely affects my creditworthiness and can lead to issues of misidentification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 

XXXX  Account Name - XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the 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: Mortgage

Freedom Mortgage took illegal funds from my Escrow to pay late fees on taxes that their Company was required to pay. I have been trying to get my Escrow straightened out since XX/XX/18 with the company. They keep on messing with my Escrow and make my payments go up every month.
Product: Credit reporting or other personal consumer reports

Today, I saw inaccurate accounts listed on my credit report and have no idea why they appeared. I routinely check my report, but this time I found unexpected errors. I tried refreshing the page in case it was a browser issue, but the incorrect accounts stayed. Therefore, I kindly ask that my submitted documents be carefully reviewed to prevent this problem from happening again.
Product: Money transfer, virtual currency, or money service

we was asked to invest in XXXX, a friend and i invested {$52000.00} over a period of time, the money was sent to a fraudulent account that had been cloned, i have all the account numbers and transactions screen shot and saved starting in XXXX or XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Stall Letter from Equifax and Potential FCRA Violations Dear CFPB Team, I am writing to bring to your attention a matter concerning Equifax, one of the major credit reporting agencies. On XX/XX/year>, I received a stall letter from Equifax, which indicates that they are stalling on my credit dispute. I believe it may indicate a violation of the Fair Credit Reporting Act ( FCRA ).

Additionally, I am attaching a copy of my credit report from XXXX for your review. I believe these documents will help illustrate the violations I am referencing in this complaint. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure compliance with the FCRA. 

Thank you for your attention to this important matter. If you need any further information or documentation, please feel free to contact me at the provided email address or phone number. 

Sincerely,
Product: Credit card or prepaid card

I have sent 2 payments a month to XXXX. The payments were processed within one day and put onto the account. Paid for this card for 4-5 months with no issues. I go in to a store and go to check out to find out my {$340.00} balance is no longer existent. Knowing I paid the bill and it had said paid and the balance was presented. I am rarely late to pay this card and pay over the minimum Once I called the company to see what was going on I told them I have my statements here that state my payment was indeed taken from my bank card and off of my statement. I also made a payment of {$40.00} Friday which shows but doesnt reflect on the account at all
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

XXXX was billing me for cable services fraudulently. I did not have any cable services through XXXX at my home residence. I had previously fought with them over these amounts and was actually told I would be getting a refund personally for all the monies I was automatically being charged every month for cable services that I did not have. After months of dealing with this i was told it was taken care of and removed after I showed them proof that i had XXXX services during the entire time in question. I had to actually forward them copies of my bills from XXXX which is did on XX/XX/XXXX. I was told at this point it would be taken care of and removed and for some reason it popped back up on my account in XX/XX/XXXX. I do not owe this company any money they actually owe me refunds for the monies i had paid them automatically out of my account.
Product: Checking or savings account

Chime closed my account can not provide reason why and is stealing my payroll direct deposit tried to get answers but just get auto generated reply
Product: Debt collection

There is a collection company called EOS stating I owe XXXX XXXX which I do not. I have the receipt from when I turned in the boxes. I have fought this several times with no outcome. Please help