23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This home is a part of an Estate, the loan is serviced by Ocwen Loan servicing. 
After the death of the owner XXXX XXXX XXXX, XXXX XXXX, XXXX. The grandson after there were other Administrators, became the responsible person for this loan and has worked with Ocwen and made payments to Ocwen Loan servicing for XXXX XXXX XXXX, XXXX, NY XXXX. XXXX XXXX XXXX made the payments on the first modification dated XX/XX/XXXX ... All payments were made and they returned the payment that was sent by XXXX XXXX and then offered another modification on XX/XX/XXXX after they returned one of the payments from the first modification. They kept all of the other payments. No one knows what they have done with all of those payments. 
We have tried to talk to PHH that is now servicing the loan, they don't want to hear anything. They claimed they sent correspondence to an address that has nothing to do with this loan. 
When we tried to apply for help, first they told us to send in a loan modification package with all of the proofs we did, then after we sent in everything they told us the loan had to be assumed. We had to fill out the Application Identification Certificate, then we had To fill out the Family Transfer Package, Then we had to send The newly executed Deed and a picture with the date of birth. We went though all of that to be changed to PHH, where they absolutely do not try and help they had no knowledge of all that had been done and they really don't care. We have asked for supervisors or someone that we could talk to about this Loan no one has helped. There is a sale date for this home on XX/XX/XXXX. Please help, no one was notified about the sale, we found out about the sale from people coming by the house. 
After the transfer from Ocwen to PHH, every time we called there was an issue, the file had not been ported to the new system, then they told us that the account had a new new with PHH, we had to wait from the time the loan was c hanged to PHH an Ocwen company until XX/XX/XXXX before anyone to speak to us and the loan number was the same.
Product: Money transfer, virtual currency, or money service

For over a month, I have had XXXX transactions for sending my XXXX from my account to another wallet stuck in 'pending ' or 'manual review ' status, for a total amount of over $ XXXX. 

At first, they requested countless documents, which I provided ( even a selfie with a handwritten note ), yet the transactions remain blocked. Now, the only responses I receive are useless messages like * '' we are reviewing your case '' *, * '' it takes more time '' *... 

I just want them to unlock the transactions so I can recover my XXXX. I can provide you all the necessary details if needed. 

I have opened multiple useless tickets through their website, here are some references : # XXXX - # XXXX - # XXXX - # XXXX The XXXX transaction ref : Payment ID : XXXX Payment Date : XXXX XX/XX/year> Amount : XXXX XXXX ( XXXX USD ) Payment ID : XXXX Payment Date : XXXX XX/XX/year> Amount : XXXX XXXX ( XXXX USD ) Payment ID : XXXX Payment Date : XXXX XX/XX/year> Amount : XXXX XXXX ( XXXX USD )
Product: Student loan

I cosigned a student loan for my son. When we entered the repayment period, I tried to set up an online account to pay online. I was unable to do so. When I contacted Wells Fargo I was told that my son could set up an account and allow me access through a guest account, but I would be unable to pay the account through a guest account. Only the primary borrower could pay online. I must either mail a check, go into a branch or make a phone payment each month. I feel this is ridiculous given the fact that I would be held fully responsible for the balance if my son was to default.
Product: Credit card

I am enlisted in the XXXX XXXX and have been XXXX XXXX since XXXX. My home of record is XXXX, a Key Provision state under the Servicemembers Civil Relief Act. Per Title 13, section 1343.031 of the Ohio Revised Code, I am entitled to a 6 % cap on interest rates on credit accounts, including those acquired after enlistment. SoFi Bank refuses to comply with requests to reduce interest rates on an account I currently have with them stating that the Ohio law is merely a suggestion and they are not obligated to follow such law. I have provided copies of my LES, current military orders, initial enlistment contract, and other documents that establish my XXXX XXXX status ; far more than is required to establish my XXXX XXXX status. SoFi Bank also refuse to refund interest paid over the 6 % limit on an existing account as well as an account recently paid off and closed. Both accounts are/were opened after my enlistment in the XXXX XXXX XXXX My efforts with SoFi bank became very heated at one point, to the point I gave up trying and began looking for other outlets to rectify my situation. One response I received from them even stated that they sent my request to their legal team who stated SCRA benefits do not apply to my accounts.
Product: Vehicle loan or lease

BMO Harris Bank misapplied my standard monthly loan payment as a principal reduction payment and subsequently marked my account as past due with a collection notice and a collection phone call, 8 days after they misapplied my payment. When I called to remedy the situation I was met with rudeness and resistance. It took 3-4 hours ( over two days ) of my personal time to fix the issue. It was not until I asked to speak to the collection manager and branch manager ( the local branch manager was amazing and put the customer first, she took the corrective actions for my situation ) that they agreed to fix the payment. The issue is the threatening letters and phone calls for a payment that was made on time but misapplied and refusal to admit the mistake or provide letter of correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

These following events are backed by tracking numbers that trace back to TransUnion since XXXX XXXX. In the event TransUnion disagrees with my information we can use the certified mail tracker to resolve this with factual evidence. 

On XX/XX/2020 I reached out to your company in regard to multiple inaccurate information that needs to be deleted from my credit report. I sent a letter via USPS first class mail with tracking XXXX. I did not receive a response from your company, nor did I see any updates to my credit report. Other credit bureaus have deleted these accounts weeks ago. 

On XX/XX/2020 I decided to reach back out to your institution because of the incorrect unverified information you are reporting on my behalf which is against the law. A few days passed and I still did not hear anything back from your company. Imagine looking at your credit report and seeing incorrect information that does not belong to you, it makes you go mad. My second attempt was mailed via USPS certified mail with tracking number XXXX. I still did not receive a response. I dont get are we playing games? I dont have time for TransUnions stall tactics. 

Nevertheless, on XX/XX/2020 I reached out again in regard to the same inaccurate information. The letter went out via USPS first class mail with tracking number XXXX. I still have not heard back from your institution and the incorrect information is continuously reported each month. 

On XX/XX/2020 I sent another letter via USPS certified mail with tracking number XXXX. I did not get a response yet. Every letter that has gone out has been asking for the same information to be removed and I have yet to get any closure. 


On XXXX XXXX I reached out once again via USPS certified mail with tracking number XXXX. 

On XX/XX/2020 I reached out to TransUnion via USPS first class mail with tracking number XXXX. 

On XX/XX/2020 I received a letter from TransUnion ( which I will include a copy of ) that stated they have not done anything yet because they need an additional 15 business days. TransUnion is claiming my first attempt of contact was XXXX XXXX which is highly incorrect. Based on the tracking information and my original letter sent out on XXXX XXXX this dispute should have been resolved within 30 days of the original letter date ( XX/XX/2020 ). I will not allow an additional 15 days because that is against the FCRA. By providing factual evidence to back my claim you are obligated to delete this nonsense off my report immediately. 

On XXXX XXXX i reached out again with tracking number XXXX On XX/XX/XXXX i reach out again via USPS : XXXX On XX/XX/XXXX i reached out again via USPS : XXXX On XXXX XXXX i reached out via USPS : XXXX On XXXX XXXX i reached out via USPS:XXXX
Product: Credit card or prepaid card

Made a XXXX card payment on of {$3000.00} on the credit card that has a limit of {$5000.00} on XXXX XXXX. leaving {$1300.00} of debt still on it. The payment cleared the bank on XXXX XXXX and the XXXX card company did take it off my card balance but will not let me make any other purchases for 10 days until they say the payment has cleared or they can up my credit limit which I do not want to do. I talked to XXXX on XXXX XXXX in card management. And yet it cleared the bank on the XXXX electronically. Is this a ruse to up my credit line and use my money but yet not allowing me to use it?
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

This company has been charging improper charges and on top of that it reports the account as charge off, in the last letter, I asked for the investigation where they report that the last payment was on XX/XX/XXXX for {$65.00}, which is false, since the day of closing and delay dates back to XXXX and paid the same amount. I think the amount you reported and charged is incorrect. I repeatedly asked for an investigation but they did not do it, they did not take into account my condition as an elderly adult. 
I do not recognize the information you report, I need you to confirm that it is correct, complete and accurate. Please provide the historical payment and historical balance for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was settled with original creditor ... never should have went to collections or charged off ... a grave error has been made, and it is affecting my reports ... no one will give me proof or present to me a contract ... this is false, and a violation of F.C.R.A. law and my rights ... Transunion, XXXX and XXXX  are declining to remove this account ... called creditor and was told that there is no knowledge of anyone verifying this account with either of the 3 credit bureaus ...
Product: Bank account or service

I have filed a dispute with for us bank with the CFPB already case # XXXX the reason I am filing another is because US Bank chose to respond to the fact that it was outside their allowed timeframe to dispute. they sent me a response to that effect to the first dispute. That however is not the reason I am filing a complaint here my issue was that us bank allowed me to open up a brand new fraud case with a brand new case # over a year later instead of telling me immediately that it was beyond the time frame to dispute. The customer service rep in the fraud dep. that I spoke to was aware of the timeframe between the account going neg and when I called them about re-opening the case. I asked if that would be a problem and was told no problem at all that they 'd just open a brand new case for me. I was not told at that time that I was beyond the time to file a case or would have moved forward with other options regarding my account to get a new reliable mode of transportation which is what I was trying to clear the account for if you read the previous complaint listed. instead I feel I was misled when they opened up a new investigation for me. I went thru all the motions and paperwork they required, I put my life on hold waiting for their response which caused additional financial hardship to me and my family. that is why there were XXXX case numbers sent with the original dispute. while waiting for them to respond my vehicle broke down costing me several hundred dollars. I would not have had the extra expense if I would have been dealt with honestly in the beginning. when I was finally given my denial months later it was for the old claim number, they did n't even refer to the new claim they started for me. I even requested a letter about the new claim number and a denial for that but never received XXXX. I believe I made that request in XXXX by phone to them. my understanding of the instructions received was that all documentation was required in a certain amount of days of the investigation being opened and receiving the fraud packet. When they opened up a new case for me I assumed I had 30 days from when I received the new fraud packet for the new case number. Does n't the fax that they opened a new case negate the old one? Do n't they have a responsibility to comply with their own rules based on the new case date? My time was wasted I ended up fixing a car I should not of had anymore and got stuch in a high interest loan by getting rushed into picking a car. I did not qualify for anything but in house financing because they did n't get my bank account fixed. please reference documents from the complaint listed XXXX I will not re-attach them to this one. Please respond the actual issue this time. The fact that I was made to jump through hoops on a case that your company had no intention of approving but never adv of this just told " no problem ma'am we 'll just start you an new case '' that is XXXX and when asked if I was expected to pay something I clearly did n't owe rep told me " sorry ma'am '' also XXXX
Product: Credit card or prepaid card

I spoke with a representative from Commenity bank on XX/XX/XXXX, the nearest business day they were opened after unable to reach them on Sunday XX/XX/XXXX. I expressed I wanted to pay my full balance and close my account. The representative gave met full balance ( XXXX ) which consisted of a charge of {$44.00} and I believe a late fee of {$40.00}. After paying I asked if my account was fully paid which I was assured was and asked to close the account. I have been charged a least 4 payments since then and being charged on a XXXX balance.
Product: Mortgage

According to Federal Law the PMI is to be removed automatically once the balance of the mortgage is 78 % or less of the homes original value. Ive contacted the lender and they are using a XXXX loan modification to push the date out to XX/XX/XXXX. Original value was {$190000.00}. Mortgage balance is XXXX approx.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian numerous times about XXXX listing inaccurate items on my credit report as well as my husband 's... they said they fixed the problem, but XXXX  added them back in ..plus more! I have proof of all the accounts as paid in full- never late- closed. Experian representative on XX/XX/XXXX ( which I had to call 6 times ) assured me the XXXX accounts would be updated as pain in full, never late!
Product: Credit card

I mailed in a check to be applied to my account in XX/XX/year> ; I called multiple times because their processing time is 7-10 days before payment is applied to account. Every time I call, the representatives do not have the information, I am transferred to the incorrect department or after a 30 min wait the line is disconnected automatically. I need the payment to be reflected on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When the credit agency deleted the fraud address, they should have also deleted the fraudelant accounts associated with the address. CREDIT AGENCY is reporting the wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) that is wrong. They are also reporting a fraud account on my report from XXXX XXXX XXXX Thats associated with that fraud address. Correct my address and remove the fraudulent address from my reports. Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX Opened XX/XX/XXXX This is not my account. My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX FRAUD ACCOUNTS ( ASSOCIATED WITH FRAUD ADDRESS ) XXXX XXXX {$2000.00} Closed XXXX XXXX  XXXX Closed : XX/XX/XXXX {$830.00} Closed XXXX/XXXX Closed : XX/XX/XXXX {$760.00} Closed XXXX XXXX XXXX/XXXX XXXX Closed : XX/XX/XXXX {$160.00} Closed XXXX/XXXX. 
XXXX XXXX XXXX.
Product: Credit card

I went to XXXX with my family on XX/XX/2017. A male staff member at the resort was caught by me and my XXXX year old daughter, XXXX, and he was blushing. This caused my daughter to be afraid and not want to go to the food court again. Later in the trip while I was away from her and my XXXX year old, while they were in the arcade, another man was caught standing behind her in what was an attempt to speak to her. I interjected, and the man said he " had no children or grandchildren, but it was too late to start now ''. I asked XXXX to call security and they responded that it was probably nothing and they would call security at the end of the shift and document my concerns. When I spoke to the manager at XXXX, they said that this was nothing they would apologize for. I then put in a dispute with Citibank, since the vacation was charged on my double cash card. They then came back to me and stated they wanted a letter from XXXX stating I was owed a credit. I do n't understand this.. I am disputing the bill because I did not get vacation. XXXX 's own web site shows that there are contractual rules for non-disruptive and non alarming guest behavior --. But then Citi turns around and says they want something from XXXX -- whom I clearly identified as a party that is non-apologetic -- that they want a letter from them stating I am owed a credit. This of course, will not happen because after being presented the final bill, XXXX called me to say that I owed an additional {$300.00} for purchases they missed when they gave me the final bill. And now that the dispute of {$670.00} or the {$3900.00} I charged is not going through -- and Citi wo n't assist me with it -- I am now over my credit limit. Why have a dispute group if they are just referring me back to the merchant?
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THE FOLLOWING RULES HAVE BEEN BROKEN.

15 U.S.C. 1681 Section 602 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 item of information. Any other adverse item of information, other than records of connections 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 or other personal consumer reports

I am writing to you as the holder of LEASE account number XXXX XXXX XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my LEASE have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX OK OK I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting or other personal consumer reports

Im writing to dispute INACCURATE information reporting on my credit report. I have also enclosed statements and payment information to prove payment was paid in a timely manner. XXXX  XXXX XXXX XXXX account # XXXX was never late. On XX/XX/XXXX the XX/XX/XXXX statement was for XXXX due on XX/XX/XXXX. I paid {XXXX} on XX/XX/XXXX. I also paid XXXX on XX/XX/XXXX for a grand total of {XXXX}. This payment was paid before the due date and the balance due was overpaid by XXXX. 

Also, for the XX/XX/XXXX payment a payment of {XXXX was due XX/XX/XXXX. I made a payment of XXXX} on XX/XX/XXXX. I also made a payment of {XXXX} on XX/XX/XXXX. I made a total payment of {XXXX} before the due date of XX/XX/XXXX. The payment due was XXXX  I made a total payment of XXXX I paid XXXX over the required payment. I have provided Experian proof payments were made timely in addition, to the actual statements and this information has not been corrected. This account is greatly affecting my credit report because this account is showing 30 days late despite my proof that this account was paid timely. XXXX  XXXX XXXX XXXX had not corrected this account nor has Experian, XXXX, nor XXXX corrected this information despite being provided with the official documentation. I have provided each credit bureau agency with a true and correct statement from XXXX  XXXX XXXX XXXX. I have also included my payment receipts and this information has not been updated or changed at all. It is the responsibility of each credit union to update their records. However, they choose to disregard this information and Experian, XXXX, or XXXX did not correct this information. 

XXXX XXXX XXXX XXXX XXXX payment reported XX/XX/XXXX NEVER LATE See Documentation Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial response was sent on XX/XX/2020 and my 30 day to comply was sent on XX/XX/2020.