23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in a forbarance.. And have been having issues with my OLD lender mr. Cooper please see the time line issues with them.. 
Basically they want me to pay them twice one to the Department of HUD and ONe to Mr. Cooper becuase they want double payment.. Becuase of this i have not been able to close my refinance and lost good interest rates due to their lack of attention.. 

1. Did forbearance with Mr. Cooper..

2. They added it to the payoff as a lender expense for the $ XXXX XXXX. They then sent me a partial claim DOT from the Department of HUD to sign in XX/XX/XXXX. They did it wrong so made me resign it again in XX/XX/XXXX. I pulled a prelim so I can clear some of my mom judgements on my home since she passed and it wasnt showing anything. 
6. Then XXXX lent me the money in XXXX so I had new things recorded the prelim still didnt show anything so I didnt worry about the payoff showing the lender paid expense because I knew it was for a forbearance. 
7. Well when I order the payoff for you and an updated prelim all of a sudden there was a new lien on my title it was from the department of XXXX for the forbearance.. 
8. I then called them and they told me that I had to pay them for the Partial claim lien 9. Mr. Cooper refuses to remove the lender paid expense because they claim they didnt get paid from the department of hud 10. I sent them numerous email request to remove it showing the payoff from XXXX. 
11. Mr. Cooper Is playing XXXX and still wants me to pay them the XXXX as well as XXXX. 
12. They arent the lien holder so I told them no to remove it and they are telling me NO.. 
13. Someone is trying to get double paid. 
14. I just found out that XXXX Paid them off back on XXXX of XXXX  so they should never be showing the XXXX on their end it should be paid to the department of HUD because of them things caused issues with my loans and lost of good rates and now have to refinance with a higher rate becuase i have been doing their job,
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed inaccurate information. 

15 USC 1692c ( c )
Product: Mortgage

I have had a very difficult time with OCWEN. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Ocwen always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time understanding the overseas representatives. We are over out hardship and can afford our mortgage. 

Ocwen has denied us stating they can not lower our payment by 25 %. This sounds like fraud to me, when does anyone get their mortgage reduced by 25 %! We are NOT asking to lower our mortgage payment. We are simply asking to get back to current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Used to work forXXXX XXXX XXXX XXXX XXXX for XXXX. Was convinced to switch told service would work at my house and if it did not that I would not be charged cancellation fees or any other things. So I switched back about XXXX of 2018 Service did not work at my house so I canceled, payed and closed the account. Went to buy a car today and saw that I had a {$560.00} collection from XXXX. Was never notified of any debt or received any telecommunication mail or other communication types. As soon as I was aware of the debt I paid it ( today ) XXXX-18 confirmation # XXXX
Product: Debt collection

Midland Funding representing XXXX RANDOMLY called an individual they assumed or hoped might be family member ( s ) to get in touch with me, ( while I was out of town ). I never gave consent to Midland Funding XXXX to release my financials to anyone other than me. I never gave XXXX or Midland Funding consent to release my financials to anyone other than me. Midland Funding and XXXX gave ASSUMED family members confidential information about me and my financial information with their company to this particular individual on or around XX/XX/XXXX and XXXX of XX/XX/2019. This was not the first time. XXXX and Midland Funding claim they spoke to my husband. Ive NEVER been married!!!!!! Midland Funding XXXX confirmed they spoke with my husband and gave him all my details about the account. Again, I have never been married. I never consented ; I never agreed in writing or by phone to Midland Funding XXXX to randomly contact individuals they assume might be family members or friends and give MY personal information about my personal or business finances with XXXX to someone other than me - I asked the customer service rep HOW or WHERE did they get this information on me. I was transferred to the manager in the case. That manager was not in office. No response. Im told they will look into the matter. UNBELIEVABLE
Product: Debt collection

A collection agency is trying to collect for a payment that was tendered by the original creditor. I.C. Systems Inc. sent a letter for collections in the amount of XXXX ; however, said amount was tendered by the original creditor against my check # XXXX. 

Can you ( CFPB ) please investigate this company? Or do I need the IL OAG to perform that action? 

This is an escalation of XXXX # XXXX. 

Business Information Business Name : IC System, Inc. 
Address : XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Mortgage

BOA paid an outstanding sewer tax bill at my request. I then repay it in installments along with my monthly mortgage, religiously every month, until paid in full. Ive done this before with no problems. After a couple of payments, I attempted to obtain a balance of said repayment, I was told monies have been misappropriated and will be corrected ( several times ). Although, I follow their request to the letter when making these repayments, this still managed to misappropriate these funds. Now I feel Im being blindsided by them as I dont have any clue whats going on with my account other than, the loan is now being serviced by a collection company with a history of collecting on bad loans. My loan isnt bad! I am current with my mortgage just needed to pay back that sewer tax loan! BOA failed to protect me as a consumer! I trusted them with my loan! 

I understand we all went and are still going through issues due to XXXX! However, Im starting to feel BOAs actions regarding my account has become, malicious and intentional, as they simply choose not to right, their clear wrong! Be accountable! Take responsibility! Apologize, fix it, and move forward! As we are expected to do when we are behind with just XXXX payment and our credit score drops affecting us like a XXXX effect. We are forced to make our wrongs, right, and simply move forward. 

Not only has BOAs failure, to implement a better escrow system, but also, their neglect in making their wrong, right ; damaged my credit, consumed my time and resources and has forced me to file this complaint. Keep in mind, I have no idea if I am doing this correctly or not. But at least this will be public and hopefully throw caution to the wind for the people that read this. 

Thank you for your time!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries done by XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX were not authorized..I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Product: Credit card

On XXXX XXXX, 2024, before XXXXpm, I timely made my monthly payment. Due to delayed processing on behalf of Capital One, Capital One did not process my payment until XXXX XXXX, 2024 then charged me a past due fee of XXXX, however my payment was timely paid. I had request a reversal of that past due fee however Capital One representative indicated that they could not reverse that fee, for reasons unknown nor could they tell me the time in which they received my payment and time in which they processed my payment. Therefore I am requesting a refund and reversal and/or credit to my account of {$25.00} plus any interest charged since XXXX  2024, because I timely paid my monthly payment, therefore was not late and any lateness was due to Capital One 's processing of the payment. Moreover, I am requesting a credit/refund/reversal of that XXXX past due fee so that I may pay my balance in full as I have mailed a payment of XXXX wherein that amount should zero out my balance.
Product: Credit card or prepaid card

I was previously enrolled in credit protection through Citibank which i was charged a monthly fee and I never gave consent or any knowledge of this service.I believe this might have been added into the tax part of my monthly payments without my knowledge also..valid approx. XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2400.00} Amount {$3700.00} Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$110.00} Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$3600.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recent balance {$300.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recent balance {$310.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recent balance {$260.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX  XXXX Recent balance {$1900.00} Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX  Recent balance {$750.00} Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX .... 
Recent balance {$0.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX  XXXX Recent balance {$310.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Recent balance {$210.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX Recent balance {$5500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

account name ; XXXX account number ; XXXX date opened ; XX/XX/2021 amount owed {$2800.00} inquiries that need to be removed 1. ) XXXX XXXX 2. ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Transworld Ststems filed a collections notice with XXXX credit reporting agency for {$490.00} on behalf of XXXX XXXX. We have disputed that this account was never a credit account. It was pay-as-you-go medical account. I had to negotiate a price and pay at the end of the session. I never asked for credit. Despite this, 6 months after my last visit I received a bill for {$490.00} with no explanation. Transworld sent several letters to a different address where we were living and after requesting documentation showing why I was responsible, I never received a response. Instead they filed a collection account with XXXX. Instead, every month, XXXX increases the amount due by {$4.00} per month. I have disputed this technique to intentionally damage my credit rating but XXXX has always sided with Transworld without providing documentation of this alleged credit account. I was never presented documentation that shows I signed a credit account with increasing monthly balance. As a professional in the financial services industry, the medical forms I filled out did not properly disclose the creation of a credit account with an interest rate. I need your help to have this account removed from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Checking or savings account

On XX/XX/XXXX I tried to purchase a product in a local store and the card was declined. I call my bank to find out my balance was XXXX when I knock had well over XXXX when I had to withdrawal XXXX cash the previous to purchase a cell phone from a private party. 

I reviewed my transaction history via the phone to find a XXXX balance inquiry fee than XXXX cash withdrawal and then XXXX cash withdrawal with my card ending in XXXX. I tried contacting paypal prepaid to inform them of the fraudulent activities, suspend the card and to proceed with dispute process but they were closed. 

I provided paypal a screenshot of XXXX timeline that shows the history of my locations as proof that I was no where near the ATM where the transactions took place and I had the physical card with me in another city. I also clearly pointed out that over XXXX in cash was dispensed within a 24 hour window that exceeds paypal XXXX daily cash withdrawal limitations. 

I have been struggling all month long and have been experiencing financial hardship all year long. This incident has put me so far behind on bills in afraid I will never be able to end me and my mom 's homelessness.. 

Long story short, the investigation team couldn't find an error so no credit was issued. They ( paypal ) have dropped the ball on me so many times that I don't expect for them to do anything but produce another outcome of no error found therefore I am not eligible for zero fraud liability. They are accusing me of fraud stating the withdrawal are valid and now I'm out XXXX, late on several major bills, can't get mom outta of XXXX home that I promised to get her out of in XXXX and get us into an affordable apartment outside Washington. 

I requested another claim with additional documentation from the sales transaction on the XXXX app and the XXXX timeline history which clearly shows where I travelled that day and the duration. 

I'm exhausted, frustrated, broke, homeless, angry, depressed and feel like I will never get a break in life. I stopped calling paypal regarding provisional credit or claim status because their customer service is useless. They don't tell you anything about the claim and possible resolution date. 

I feel as though they are not investigating anything and they are just using stall tactics to get out of their obligation to their customers that if there is ANY FRAUDULENT charges the customer will be provided a refundcredit. I've been with this bank for over 10 years and during that I have disputed several valid unauthorized charges on my account unto which only one was found valid.

So I sit here in my car on the side of the road about to start another day having to return items to stores to get gas money while i wait on my direct deposit to come through so I can move forward with obtaining and securing housing for a mother whose been patiently waiting on her son to get her out of a XXXX home so we can be a family again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. XXXX XXXX
Product: Mortgage

During my divorce my ex wife was awarded the house and was told she had to refinance into her name because it was a VA loan in my name with just her on the deed. I had to find a new place to live and had an apartment and was paying both rent and mortgage payments until XX/XX/2019 because I could no longer pay both along with child support. Recently I found out that my ex wife abandoned the house and it has been in default since I made that last payment in XX/XX/2019. She made no payments and never refinanced the house while I became homeless and lost my job because of her. I've moved back to the house and notified my lender and I was told that it just went into foreclosure status with no sale date. They have given me a packet to help stop it and your company was on it. I do not want to lose my home or not able to get another VA loan due to this.. any help or advice will help.Thank you!
Product: Credit card

I ordered a product online from Ebay which I had done many times in the past. Using Express checkout Paypal changed default settings to Bill Me Later. I had an active Paypal balance of over {$600.00} in my account I had no need for a credit card I assumed they would remove the {$9.00} from my balance. I later find out they have opened a credit card, charged me late fees, and interest on {$9.00}. I finally called and asked they close the account. I mailed a check for the {$9.00} that I owed. I called again asking them to remove late fees and interest and they did however they would not remove the {$6.00} interest. This is XXXX % interest on an item in less than 6 months. I feel I was wronged in the situation by being misled into a credit card I did n't need. I now realize they have paid fines for these actions earlier in 2015 but it appears this did n't change PayPal 's misleading practices to consumers.