23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When I attempt to visit my loan servicer 's ( Ocwen ) website to view information about my mortgage, I am told that it does not recognize my login ( i.e. my email address ) and then am informed by the website " Oops! Something went wrong. '' when I attempt to confirm/add my " new '' email address so I can log into their system by providing my loan number, last four digits of my SSN, and my home 's zip code.

This very same issue occurred previously ( approx. 1 year ago ), and after finally connecting with a member of Ocwen 's team via phone, I was assured the glitch had been fixed, but it has clearly not been.

Interestingly, though, in the interim I have continued to receive emails from Ocwen regarding my payment status and offering refinance options at the same address the company claims is not associated with my account for login purposes. As the rate of my ARM mortgage continues to increase above market rates, it sure seems coincidental that Ocwen 's system is still unable ( unwilling? ) to allow me access to my account and information re : my mortgage.
Product: Debt collection

Midland Credit Management issued me a refund check in the amount of {$1000.00} on XXXX XXXX, 2015. This check was deposited by me on XXXX XXXX, 2015. However, this check was voided on XXXX XXXX, 2015 by Midland Credit Management because it was supposed to be issued to my father, XXXX XXXX, and not me because it was a refund to the individual who had paid the original amount to Midland Credit Management. I spoke with customer service on XXXX XXXX, 2015 and was told a refund check will be issued within four to six weeks to my father, XXXX XXXX, and will be mailed to his address within that time. However, it is now XXXX XXXX, 2015 and six weeks from XXXX XXXX would be XXXX XXXX. Further, I spoke to a customer service representative on XXXX XXXX, 2015 and was told that the refund was issued on XXXX XXXX, 2015 to the card that the original payment was made to Midland Credit. However, this card has since been closed and no further information from Midland has been provided. In addition, the customer service representative hung up on me after placing me on hold. 

This is the second complaint I have initiated through the CFPB and the first was successful in that Midland Credit Management finally issued a refund check for the full amount that was paid to stop any further collection activity for a credit card that was deemed opened fraudulently by XXXX XXXX XXXX. However, my correspondences to Midland Credit Management alone could were only ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$65.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Mortgage

Citimortgage recently sold the servicing rights to my mortgage loan to XXXX XXXX XXXX effective XXXX/XXXX/16. I called both entities on XXXX/XXXX/16 trying to obtain a payoff demand because I 'm refinancing my mortgage and the new loan is about to fund. Citimortgage was not able to provide me with a payoff because they claim they do n't even have my loan info on their system anymore. XXXX XXXX claims my loan info is not uploaded onto their system yet. XXXX XXXX said it will take at least XXXX business days following the official transfer date of XXXX/XXXX/16 for my loan info to reflect on their system. Due to their transitional mistake a customer ca n't even obtain a payoff during the transfer. Please help.
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 168b permissible purposes of consumer reports. 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.

has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi whats going on? why am i not getting notified of whats going on with my dispute? I sent you several follows ups already but you seem to be ignoring me. I need my credit fixed because inaccurate reporting is affectingme a lot. Please check my credit report and remove all the errors.
Product: Credit reporting

I have submitted a complaint about XXXX XXXX. After I submitted the complaint, they left an even more derogatory response than the one originally. Also, began the process of collections. I sent a check a long time ago to XXXX XXXX after an argument that lead to me asking my account be closed. The check was the total pay off amount. This was roughly a little over ago. Now, this was with the understanding during the argument that if I paid off the account we 'd call it " even '' and this account would be closed is perfect standing and no late payment if not able to be removed in full. I was told XXXX different things after being escalated to a supervisor. However, both worked in a manner of leaving a full positive remark of no mark at all. This is extremely unfair and causing financial issues as I 'm going into adulthood. It 's hard to find an apartment, I ca n't get a car loan, and I do n't even get to take out any credit to get the car I have fixed. It 's upsetting because I was XXXX when I opened it and I had no idea to keep track of all supporting documents. I did n't even think something like this wa possible. I have no control over my own credit report. Instead I have to state my case and pray justice is served.
Product: Student loan

I have called every week for the past two months to speak to someone about consolidating my student loan debt. It puts me on hold for up to two hours then goes to a voicemail. I leave a voicemail with my information and never receive a phone call back. I am just trying to do the right thing to set up payments for my loan but they make it impossible.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to notify the consumer reporting agencies : XXXX, TransUnion and XXXX, that I have opted out with XXXX XXXX to stop sharing my nonpublic personal information with nonaffiliated third parties. 

COMPLAINT ID # : XXXX Submitted on : XX/XX/2024
Product: Credit reporting or other personal consumer reports

To : Transunion Subject : Request for Removal of Unverifiable Account I am writing to formally request the removal of an account from my credit report as reported by TransUnion. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$20000.00} from XXXX XXXX XXXX XXXX for {$250.00} from XXXX XXXX  XXXX {$2300.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request.
Product: Credit card or prepaid card

I have an amazon store card through synchrony bank and I have recently had my credit limit reduced even though I have good standing with synchrony bank and this card. I have never missed a payment or been late. They have reduced my credit limit which is financial profiling and bias. I have every intention of maintaining my good standing with this card. I think it’s discriminatory to reduce my credit limit and bring it down to the exact balance so I have no room and the interest will put the card over.
Product: Debt collection

Credit Collections Services is a Third Party debt collect in direct violation of the FAIR DEBT COLLECTION PRACTICES ACT for contacting a federally protected consumer they have never done business with. 


They sent me text messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX over an alleged debt. 

I envoke my federally protected consumer rights pursuant to 15 USC 1692g ( a ) and request that you provide me with the information within 10 days or no such debt exists. 


Please see exhibits.
Product: Checking or savings account

I am involved in a federal crime involving   XXXX   XXXX   XXXX   who is now being investigated by the Federal Trade Commission. It is currently shut down by the FTC. I received a letter last week from the FBI stating this. I gave   XXXX   XXXX   XXXX   {$14000.00} last  XXXX  to perform patent services which they did not deliver. Myself and thousands of others were taken by the scam and where led on to believe that the Company was performing their services as promised up until  XXXX  of this year. After hearing of this I went to my bank PNC to file a dispute and they have denied my claim because it was not reported within the 60 day time frame. Me as well as all the others only found out about this and  XXXX  after the company was shut down and we were sent letters from the Federal trade commission. I did report the fraud to the PNC after I found out. I am still being denied due to the timeframe and I have gone all the way to escalations and I am still denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I tried to apply for a loan with XXXX and was denied due to a recent inquiry that was done on XX/XX/2022, by US BANCORP . Recently all my information was hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Debt collection

We get a call from Medical Data Systems at least once every 2 weeks about a debt that we do not owe under my husband 's name. I have tried blocking the number but it still gets through. I am afraid to answer my phone as I have heard that these people will record your voice and use it for nefarious purposes.
Product: Credit card

I was enrolled in a USAA hardship program for my credit card account, which led to the account being closed. The program ended in XX/XX/XXXX without clear notice, and my minimum payment increased from {$120.00} to {$550.00} per month, an unmanageable amount based on our financial situation. 

Since the program ended, Ive made multiple attempts to resolve this with USAA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, I was transferred between departments with no resolution, held on the line for 20+ minutes, or disconnected. In one instance, an agent claimed he was contacting a supervisor but instead transferred me to a department that had no record of my issue. Despite repeated outreach, no one could explain the drastic payment increase or offer a sustainable plan. 

After filing a complaint with the XXXX XXXX XXXX I was contacted by the CEOs office and finally spoke with someone today ( XX/XX/XXXX ). However, they offered no real assistance and simply routed me back to the departments I had already tried to contact. Ultimately, I was finally connected to the member debt solution department, which offered a long-term hardship program at $ XXXX for 60 months at a 2 % APR. While the interest rate is appreciated, the monthly payment remains unaffordable. 

I want to pay back this debt. It is mine to owe, but I do not understand how USAA can expect such a high monthly payment with almost no meaningful reduction in the payment structure. I have made clear that my XXXX XXXX XXXX XXXXXXXXXXXX XXXX who can no longer work due to a job-related injury, and we now live on a significantly reduced income. 

USAAs only option was to take it or leave it. There was no escalation path, no appeal process for a lower payment, and no flexibility. This approach fails to account for the immediate financial hardship these high payments cause and contradicts USAAs public claims of supporting military families.

I believe USAAs actions may violate the Fair Credit Billing Act and CFPB regulations regarding transparency and fair treatment during financial hardship. I am also exploring my rights under the Servicemembers Civil Relief Act. I remain willing to work with USAA in good faith, but so far, they have not offered any viable path forward.
Product: Credit reporting or other personal consumer reports

Hello, I'm a startup small business XXXX who paid my car payment through the XXXX website on XX/XX/XXXX from my XXXX account and it posted on XX/XX/XXXX triggering a late mark and ding to my credit. 30 days late is the XXXX. 

I asked XXXX to remove this but they refused saying it wasn't an error and to contact the credit bureaus. The bureaus came back agreeing with XXXX. 

I just spoke with XXXX again asking them to remove it and they still insist it is correct. The representative I spoke with, told me that their website displays when the payment will be posted. This is not true! If I knew this payment would have been late, I would have called in and made the payment over the phone to avoid a XXXX point hit to my credit. 

>Screenshot of my XXXX transaction attached : I appreciate your help with this matter! 

Regards, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, my phone and debit card were stolen, and my debit card was then used to make unauthorized, fraudulent transactions at various establishments, including at an XXXX XXXX, restaurants, and ATM machines. I filed a police report, and the police informed me that they had arrested someone who was in possession of my stolen debit card. I reported the police complaint number to my bank as well as filing XXXX fraud claims, and the bank still denied my fraud claims, claiming that the physical card and PIN were used, even though I have never once shared the PIN number with anyone, nor did I have it written down anywhere on my debit card, nor did I have it written down anywhere in my phone.
Product: Checking or savings account

I made a wire transfer from my XXXXXXXX XXXX account to the Fifth Third Bank account on XXXX XXXX for {$4000.00}. The transaction processed correctly. On XX/XX/year>, Fifth Third Account put a hold for {$4000.00} on my account saying that the transaction was not funded by XXXX. 

I contacted XXXXXXXX XXXX, and they mentioned that the funds have been sent to Fifth Third Bank. They still opened up a dispute and launched a trace of the funds. XXXX XXXX said that the funds have properly been released to Fifth Third Bank. I spoke again to the Fifth Third Bank 10 days later, on XX/XX/year>. They said that they need a letter from XXXX giving them an " invoice '' for {$4000.00}. XXXX sent Fifth Third multiple letters, I also send Fifth Third Bank multiple letters from XXXX showing a {$4000.00} debit from my XXXXXXXX XXXX 

It's been more than XXXX days and I still do not have access to my money. Fifth Third Bank is not cooperating and have been holding my money for no reason. I have spoken to countless customer agents from Fifth Third Bank and have even spoken to branch managers about it. To date there has been no resolution from Fifth Third Bank. 

XXXXXXXX XXXX  has been cooperative and have asked Fifth Third about exactly what kind of information they need for this transaction, and what do they need to release this hold on my funds. Fifth Third has not responded to XXXX XXXX either.
Product: Credit reporting or other personal consumer reports

This company reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

This is a formal request to XXXX XXXX Services regarding an unresolved issue with a charged-off account. I have not received a Form 1099-C, which is necessary for tax purposes, despite the account 's charged-off status being reported monthly on my credit report. I am expressing concerns about potential violations of the Fair Credit Reporting Act ( FCRA ), as the inaccurate reporting could negatively affect my credit standing. I request prompt correction of the situation by providing the required form and reviewing the accuracy of their reporting practices, emphasizing the importance of addressing this matter promptly.
Product: Checking or savings account

I confirmed a transfer to another bank. I had called XXXX. 
And another one called stash. 
They both received transfers from my Wells Fargo account Now when these accounts were closed, they were supposed to send me the remaining funds to the address on file. 
Now the remaining funds on all three accounts are lost, and nobody has any information on where my funds went.
Product: Credit reporting or other personal consumer reports

I am writing with the intent of having specific information removed from my personal file. The details of the items I am seeking to have deleted are outlined within the accompanying report. Unfortunately, I have been subjected to identity theft and wish to clarify that the charges in question were not incurred by me. In the interest of ensuring the accuracy of my credit report, I kindly request the prompt deletion of these items. 
For further credibility to my claim, I have reported this identity theft incident to the Federal Trade Commission. Enclosed, you will find copies of the affidavit provided by the Commission attesting to the identity theft. I appreciate your swift action in resolving this matter. I have attached my ID and Social Security Card to Verify my Idenity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loans from XXXX unfortunately i have a permanent XXXX and therefore my student loans was discharged by bank, i have received from Discovery Bank a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( XXXX XXXX  and XXXX ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was discharged the balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to credit Act 15 USC 1681B permissible purpose of consumer reports. This law states in general that unless a consumer reporting agency has your written instruction they are not to furnish anything to your report. I did not give consent which is written instructions an also credit Act15 USC 6802 obligation with respects to disclosure of personal information
Product: Debt collection

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.