23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage on a property in Mississippi. Since I have had this mortgage, I have made 2 payments each month, with instructions to the Servicer that an additional {$50.00} is for the Principal, and the 2nd payment of {$400.00} is to be applied totally toward the principal. XXXX bank and XXXX had no problems in doing this, but in XXXX 2013 Ocwen took over the Servicing. Ocwen is applying my additional payments to future months, and I have to call them each and every month to force them to correct this. Each month I do this, I get a letter from the Onbudsman that the issue has been corrected and will no longer happen again. But each and every month it continues to happen. I spoke with XXXX XXXX XXXX, Senior Counsel, Ocwen Financial Corporation, and she assured me that this would be resolved. I have letters from XXXX XXXX from the Office of the Ombudsmand for Ocwen Loan Servicing , LLC that states that it was resolved. I have spoken with Ocwen 's outside Counsel, XXXX XXXX, XXXX, ( XXXX ) XXXX, whom also stated that this would be resolved. My next step is to file civil action in U.S. District court to seek relief or some solution. That is when I found this web site where I can file a complaint to attempt again, for the last 2 years to get this resolved.
Product: Credit reporting

On XXXX XXXX i went to XXXX XXXX XXXX to buy a car. I was told that XXXX had their own finance company and gave them permission to run my SS #. When i reviewed my credit report i found out that they actually shotgunned my ss # which made me have several soft and hard inquiries that i did not authorize. I contacted XXXX XXXX who removed them all which raised my score and reduced my number of inquiries. I contacted Equifax and they said they are factual. I did not authorize these and i contacted the companies asking for something proving that i did. which i know they can not produce because i didnt know or authorize them. Shotgunning for car purchases should not be allowed without a person permission. This is horrible on a person credit.
Product: Debt collection

I am the consumer, I am the original creditor. I have no contract with the collector, and that the debt has not been validated. Please see attachment below on violations and affidavit of truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Checking or savings account

Chime has a system error with chip on debit card and they know it. Cant access my money. Can't withdraw my money. Have no money for gas or pay my rent or purchase anything. Tried to purchase something from XXXX and got denied a few times have two deposits and only can pay online but not in store embarrassing
Product: Credit reporting or other personal consumer reports

I reached out to Exeter Finance LLC in XX/XX/year>. I informed them about an account that does not belong to me and the account has an address that does not belong to me. I have not received any response from Exeter Finance LLC to resolve this matter and remove this false account/debt from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Cease and Desist Request Alleged Debt Dear XXXX XXXX, I, XXXX XXXX XXXX am requesting that you cease all communication with me regarding the alleged debt, pursuant to theFair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). Under this law, you must stop contacting me except to confirm the cessation of collection efforts or to notify me of legal action. 
I also remind you of your obligations under15 U.S.C. 1692to avoid any unfair, deceptive, or abusive practices. Failure to comply with this request may result in complaints to theConsumer Financial Protection Bureau ( CFPB ) or legal action.

As of the date of this letter : 1. I do not acknowledge the validity of the alleged debt.

2. You are instructed to stop all communication with me immediately. ( that includes credit reporting ) The only communications I will accept moving forward are : Written confirmation that you have ceased collection efforts. 
Notification of any legal actions you intend to take. 
Please confirm receipt of this letter and compliance within15 business days. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX Account balance : {$100.00} Date XXXX
Product: Debt collection

CBE group has not deleted debt from my credit report. The collection has been paid. I have requested CBE group to delete the debt.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX i wired XXXX from chase to Merrill lynch and is has been missing ever since. My bank XX/XX/XXXX has tried to do a wire cancel and they say Merril lynch is not responding. I have been on the phone with Merril lynch multiple times and no one can give me any answers. I'm very concerned. I didn't attach my account number to the wire so the wire went into their general account. I still would think if given the treasury reference number and federal ref tracking number they should be able to find it.
Product: Credit card or prepaid card

I have been wit h capital one for more than 5 years and I have   XXXX    cr edit card with them. in   XX/XX/XXXX   I called them to let them know about my wallet that has been stolen, the agent on the phon e told me ok and we will close this account and assign you a new one and we will send out the new cards in 10 bu siness days and you do n't need to make any payments now because your case is under investigation and we will be working on getting you back any funds that were fraudulent back to your account.   Now, mind you I got back to the country on  XX/XX/XXXX , and I called  capital one because I never received the    XXXX   new cards and I was told that my account was closed because I did so. So when I ask them to let me know when I closed those account no one can tell me anything and they told me that they have to do another investigation and I spoke with more tha n 3 s upervisors and they each told me the same thing that someone will get back with me on  XX/XX/XXXX .     Yesterday my lender called me and said that they can not continue with my V
A loan because capital one is reporting late charges and over the limit of {$820.00} dollars when your limit is {$750.00}, I 've never been late on this account I always pay my card at least week or two earlier than the due date. Capital one is   definitely out to hurt me or is it their objective to see more homeless  XXXX  veteran on  the street.  I am on the phone right now again with another supervisor by the name of  XXXX  and so far she has been the only that looks like she wants to help me so she says she 's going to do some more digging and call me back, and I 've been put on hold again for more than  30 m inutes just waiting and waiting. please help I know that they are a big company with big pockets but it is not fair for them to treat good people like that it is wrong and degrading and insulting and they should not be able to serve our fellow soldiers. I am a  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  veteran that is trying to purchase my first home and when I got everything approved and boom issues with capital which no fault of my on. they need to remove my late payments from the credit bureau and fix the amount that they are reporting to the bureaus. thank you and shame on y ou Capital one  CFPB, please help this wounded warrior if they go back and review my account they will see that I never paid my accounts late never always early. please help I am in dire need I have a closing in  XX/XX/XXXX  and I might loose my future home for me and my family. thank you for a desperately wounded warrior.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

I allowed Carrington Mortage 's loan officer XXXX XXXX pull my three credit reports ( XXXX, XXXX, XXXX ) and I was told I met the credit requirements and I can put in an application for a USDA loan. XXXX XXXX lied to me stating that he took my application. He called asking for my personal information to input an online mortgage application. I had to get off the phone and said I would call him back to finish the application. I called him back the next day and he said I was denied. We never completed the application over the phone nor did I complete an application online. I never reviewed what he typed into the computer or if he typed anything into a computer. I never signed an application to submit for the mortgage loan with my personal and income information. I never received a denial letter stating I was denied, just told over the phone that I was denied. 

XXXX XXXX accidentally left a message on my phone stating that his boss, XXXX XXXX, told him to never submit the loan application and quote " get rid of her ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hav this account that does not belong to me and i want it to be remove from my credit report in the 3 agencies asap. 

1. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX  This is not mine.

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Student loan

The XXXX sent an email to everyone last week stating that new student debt relief will be available this fall for XXXX categories of folks. We are required to notify our servicer if we want to opt out by XX/XX/XXXX. I have called my servicer Mohela XXXX times and spoken to at least XXXX people. I have been unable to opt out. I belong in XXXX of those categories of people who will have interest forgiven. However, I am also XXXX year from XXXX  forgiveness. The student debt relief that is based on the proposed rule published in the Federal Register in XXXX is taxable. XXXX is not. Because I am so close to XXXX forgiveness and I have XXXX XXXX loans and I grew up poor, my interest that is slated to be forgiven is substantial. I want to opt out of all taxable forgiveness and pursue the XXXX forgiveness - the promise of which I relied on when I pursued a XXXX XXXX. Mohela has no idea what is going on. They don't even know what I am talking about when I say " new student debt relief '' or " Biden 's new forgiveness plan '' or the " email XXXX sent out last week '' or when I describe in detail what the proposed rule says, when it was published, and when it is supposed to be finalized. I have even spoken to XXXX supervisors about it, if I remember correctly. I have spent over an hour on the phone with them. It is imperative that Mohela immediately train their customer service representatives and supervisors and that the opt out process be notification. I should not be required to train Mohela 's people.
Product: Debt collection

They are trying to collect a debt from somebody else that gave my phone number from what I gather. They don't stop calling. I do not know the person that they are trying to reach.
Product: Checking or savings account

On XX/XX/XXXX I noticed that there was some fraudulent charges on my account from a company called XXXX. I reached out to chime and made them aware of the transactions. Chime in for me that provisional credit shall be placed on my account in 10 business days after the investigation has been made. The amount in question it was significantly a lot lower in all the transactions that I calculated which I did bring to their attention and they informed me that I have a provisionary credit will be placed on the account in the amount of 10 days. After review the 10th day was in fact on XXXX XX/XX/XXXX I called chime on XXXX XX/XX/XXXX, to find out why my provisionary credit was not on the account I was told that more time is needed to look into the matter I responded and said youre breaking federal law the timeframe allocated is 10 business days you can take more time to investigate but my money should be placed on my account in 10 days, not 11 not 12 10 days. Not because you guys need more time, federal law allocate the time and Chime is breaking federal law. 

I asked to be transferred to a supervisor whos name was XXXX I requested to have a complaint and I ticket a number from the files which he assured me that he did that. the number he gave me was XXXX and that call took place this morning between the hours of XXXX XXXX XXXX XXXX XXXX eastern standard time. I informed XXXX that chime is breaking federal law in the timeframe allocated for provisionary credits. I told him that I would expect my money to be on my account at the end of the day and I will be filing a formal complaint which Im currently doing now. This company should be stopped and they should not be using peoples money anyway that he chooses to use it.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and there were inaccurate and incomplete information for several accounts. I have contacted and sent out dispute letters to EQUIFAX on XX/XX/year>. It's been well over 30 days since. I have not received a response from EQUIFAX whatsoever. I will attach the dispute letters I have sent toEQUIFAX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau and explained that I was concerned that the information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, there has been no response from the credit bureau but as I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that the companies below are illegally reporting inaccurate, noncompliant, and false information about me. 

Account name : XXXX XXXX XXXX XXXX, XXXX Account Number, XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX. Account number : XXXX Account Name : XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX . Account Number : XXXX Account Name : CHILD SUPPORT XXXX XXXX. Account Number : XXXX the above-listed companies have violated my rights. i have no contracts with the following nor have I entered into an agreement with these entities. 
This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

I request these accounts be removed from my consumer report, 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. 

Account name : XXXX XXXX XXXX XXXX, XXXX # 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XXXX XXXX XXXX ; 2. XXXX Inquiry Date XX/XX/XXXX ;
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 XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency XXXX include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : 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 or other personal consumer reports

While reviewing my credit report this morning, I noticed accounts that do not belong to me, and I have no idea why they are there. I routinely check my report, but this time, I saw inconsistencies that caught me off guard. I refreshed my browser, thinking it could be a glitch, but the incorrect accounts remained. Because of this, I kindly request a thorough review of the documents I have provided to resolve this issue permanently.
Product: Checking or savings account

citibank froze my account without a reason and caused me major inconvenience. i requested and was told a " supervisor '' would call me back 3 times and i never got a call. they held my funds hostage when i needed them and caused severe consequences. their customer service in the XXXX  is horrible.
Product: Mortgage

I still have yet to received all of the proceeds from my recent cash out refinance with better.com. 

Appraisal and title were cleared XX/XX/XXXX. It was not until XX/XX/XXXX after significant prompting on my part that we signed the closing documents. Before the appointment, I emailed our closer requesting confirmation of what I should expect from the disbursement process. 

At the closing, we were asked to write out our bank routing and account number for the signing agent to deliver to title. I had received no response from the closer, so I sent a follow up email on XX/XX/XXXX requesting the same information and attempted to confirm my disbursement preferences in the same correspondence. This email yielded a response saying to ask my questions of the title company XXXX XXXX. 

I emailed XXXX XX/XX/XXXX and asked how and when I should expect the wire transfer and distribution of the creditor payoffs. I never received an email response. 

XX/XX/XXXX, two days after my loan should have funded, I still had no funds and no response, but was receiving congratulations emails on my recently funded loan. 

I responded to ask where the proceeds were via email. No response. 
I called the title company. No answer and a generic voicemail. 
I called my closer. Another representative said the loan funded XX/XX/XXXX and they would have our closer call when he arrived. 

No phone call. 

I received an email saying if they heard something they would let me know, but they couldn't make calls because of extenuating circumstances. 

I emailed the head of operations and my closer to complain that I was not being given any sense that I was a priority. 

I threatened to file this complaint and several hours later received a phone call from title. They were " too busy '' to fund our loan earlier in the week and wanted to confirm my wire instructions and mailing address. They had planned to handle the funding Thursday XX/XX/XXXX, when it should have been handled XX/XX/XXXX. I was assured I would have my creditor payoffs in hand via XXXX XX/XX/XXXX and the wire XX/XX/XXXX. I requested they overnight those to my primary residence rather than my investment property securing the transaction. 

The wire came through XX/XX/XXXX. The payoff checks to the creditors have yet to arrive. Nobody apologized. Nobody reached out to me to confirm I got my proceeds and my issue has been resolved. My issue remains partially unresolved 5 days after my closing should have occurred. I've requested a refund of the accrued interest I'm being charged on proceeds not received. I've received no response to that request. 

I want the remaining proceeds and a refund of charges for funds I did and still do not have access to.