23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen Loan Servicing was our mortgage service provider. Our home was foreclosed on in XXXX of XXXX and we moved out of the property shortly thereafter. There was a XXXX mortgage on the property which was NOT discharged with the foreclosure. Even though we do NOT own the property and do NOT live at the property, we continued to pay monthly on this XXXX mortgage. If we did n't pay the XXXX mortgage, our credit would be adversely affected Sometime in XXXX of XXXX, Ocwen mistakenly added an ESCROW charge to this account ( XXXX ). I noticed it when I paid the monthly payment in XXXX. I called Ocwen and spoke with a number of people, none of whom could quite understand what had happened or why, and were not really able to help with this bizarre situation. The issue was sent to a special department for action. 
Of course, the next thing that Ocwen decided to do, was to perform 'property inspections ' and a 'property valuation ', all to the tune of {$380.00}. Since the property was foreclosed on and we no longer own the property, it should certainly not be possible to charge us with property inspection and property valuation fees ; but they have. This is VERY typical of Ocwen and a few other service providers. They make a great deal of 'profit ' in assessing fictitious and, possibly, illegal fees. 
I am asking that Ocwen REMOVE these fees from our account immediately ( {$380.00} ). I have spoken to at least five separate representatives at Ocwen, and all I get are platitudes and promises to fix the situation. It is now over one year and these fees are STILL on the account. Bravo, Ocwen ... you folks are truly the worst of the worst. 
The charges that I expect to be removed from our account are listed below : Property Inspection Fee {$26.00} Property Valuation Expense {$290.00} Certified Mail Cost {$13.00} Late Charge Due {$55.00} ( caused by their 'escrow ' mistake ) TOTAL : {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Product: Mortgage

Dispersal of funds - claim XXXX. 
My insurance company sent a check ( {$130000.00} ) for loss of house and I sent it to my mortgage company. The first check was deposited XX/XX/23. The second one deposited on XXXX  This check was for remaining coverage ( {$27000.00} ) and demo and removal of old house ( {$6700.00} ). 
On XXXX XXXX XXXX, I sent a copy of floor plan and purchase agreement and XXXX said it had to be approved by corporate and takes 8 to 10 days. I talked to them by phone XXXX XXXX XXXX XXXX XXXX, plus emails. I also called the in XXXX and XXXX plus email. 
On the XXXX XXXX XXXX, XXXX called and said she would send a check and tracking. I haven't heard from her since and no check. 
On XXXX XXXX, I emailed her 2 receipts for demolition and removal of old home which covers the {$6700.00} my insurance sent. I haven't received that check nor have I heard from her. 
I also emailed her on XXXX XXXX  and no answer. 
I called today, XXXX XXXX, left msg, no answer. 
In summary, I called on XXXX XXXX and XXXX said they had everything needed to process the claim except for corporate approval. It is now XX/XX/XXXX and no check. 
I originally asked for {$110000.00} as this is a manufacturer house and they require half down before starting to build it and the other half before delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX XXXX OH XXXX. 
the following addresses are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

I received a call from Summit Receivables regarding a debt with XXXX XXXX. I told him to send a collection letter.He said they have sent letters to me.The only letters that I have received is from XXXX XXXX.He said he was going to start legal papers. The debt is below.The {$260.00} is for the {$96.00} annual fee, monthly maintenance fee {$5.00} a month and late fees. 

Credit Limit $ XXXXBalance {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

No open account associated with these inquiries and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. 

update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 I HAVE CONTACTED YOU NUMEROUS TIMES, YOU MAKE IT DIFFICULT BY PHONE, ONLINE I AM UNABLE TO ACCESS MY ACCOUNTS REMOVE AND SUPRESS THESE INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS, THEY ARE NOT MINE I HAVE NO KNOWLEDGE, OF THEM Credit Inquiries Credit Inquiries - Summary XXXX TransUnion XXXX XX/XX/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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

OnXX/XX/XXXX, an online order was placed with XXXX XXXX for movies. I used my American Express card for payment. On or about XX/XX/XXXX, a neighbor indicated returned items in open box with two movies were left at her door. On XX/XX/XXXX, I called XXXX XXXX  customer service reporting not receiving stolen items and tampered items in box. The call was recorded as evidence. XXXX XXXX own documents support stolen items indicating " left with woman '' and it should be noted at a wrong address. See attached XXXX XXXX  documents. On XX/XX/XXXX, I called American Express to dispute charges. See attached letter datedXX/XX/XXXX OnXX/XX/XXXX, I returned two movies and reported stolen items to XXXX XXXX  store employee. I also showed as evidence tampered box. See attached receipts and XXXX XXXX documents. OnXX/XX/XXXX, I received American Express response with documents from XXXX XXXX supporting my position of stolen items to unknown woman and delivered to wrong address. On XX/XX/XXXX, I spoke with XXXX from American Express. I indicated to him of the wrong address and delivery to unknown woman. I also indicated I never received my order from XXXX XXXX. XXXX refused to dispute the charges and indicated my charges would not be credited. XXXX  also refused to credit the returned items showing XXXX XXXX had received the returned items. He advised me regardless I would have to pay the total charges.
Product: Credit card

I have an American Express card where I had no interest on purchases for 18 months, ending in XX/XX/XXXX ( paid it off in XX/XX/XXXX ). I recently discovered that for XXXX and XX/XX/XXXX I have been paying {$0.00} per month in interest fees. When I inquired with American Express the representative told me that it was interest on the annual credit card fee. The XXXX XXXX states that if you make more than the minimum payment on your credit card bill, your credit card company must apply the excess amount to the balance with the highest interest rate. 

I have always made payments much higher than the minimum payment due. As I understand the Act, my payments should have first been applied to the annual fee since it carried the highest interest rate. 

If American Express has been doing this to all of its customers since XX/XX/XXXX when the CARD Act rule went into effect they have potentially cheated their customers out of millions of dollars. 

Please also note that American Express charged me the annual credit card fee on XX/XX/XXXX. The first interest fee of XXXX {$.00} was charged to me on XX/XX/XXXX as well THE SAME DAY The annual credit card fee was charged. No time had passed on that charge before they started charging me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

1. XXXX XXXX my Account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was Charged off for the amount of {$1200.00}. 
2. XX/XX/XXXX my account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was charged off for the Amount of {$23000.00}. 
This companies are in clear Violation of Language Fraud, Identity Fraud, and the XXXX XXXX XXXX XXXX. Not only did my bank violate the terms and conditions that they granted to me at the time of the account opening. The Credit Reporting agencies XXXX, XXXX, and TransUnion have Also Violated my rights as a Consumer and broke the law by doing so. Now According to the Codes and the Federal Trade Commission i the consumer Must give Consent for Said banks and third party companies to use or give out my Private Information. I the consumer must give Consent for the Third party Companies such as XXXX XXXX XXXX, Transunion, XXXX, And XXXX to Report ANYTHING ON MY CREDIT. Per the Fair Credit Reporting Act as a Federally Protected Consumer I Am Now OPTING OUT of ANY & ALL authorization that I the Consumer may have Given you Written, unwritten, verbal or nonverbal per 15 usc 6802. 16CFR 313.13. Furthermore Every 30 days im supposed to receive the Option to Opt Out, which was never Expressed nor sent for me to Properly conduct my Affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ( and XXXX while we're at it ) both have a ridiculous policy of disallowing credit reporting disputes online if you've EVER submitted a dispute for the same data furnisher EVER in the past. 
Both of these agencies only allow you to dispute by phone when you're blocked from doing it online and both also go OUT OF THEIR WAY to make it impossible to reach them via phone to resolve the issue when that is the only option a customer has ( besides sending a snail-mail letter in 2023 ). 

I tried calling Experian this morning and even though I am a paid member of their credit monitoring service, I was presented with an interactive voice response system that was more than XXXX steps deep. This same system also asked me the same questions over and over again after transferring me to different IVRs. At no point could I reach an actual person, even when pressing " XXXX. '' If I'm a paying member, I should have the right to expect better customer service than this. 

I'm also deeply suspicious of a credit reporting agency reserving the right to REFUSE to investigate a consumer-initiated dispute at all -- especially when the amount of time between disputes and/or when the reason for the dispute are both vast and different. 

The last time I filed any kind of dispute regarding this account was more than 2 years ago and the reason wasn't even the same as what the issue is now. What's worse -- the data furnisher DID fix the error that I reported back then, but Experian claimed nothing changed and incorrectly states " dispute resolve -- consumer disagrees '' on this account. 

( I have proof that the furnisher did change the incorrect information, so Experian is actually in the wrong in this case ).
Product: Money transfer, virtual currency, or money service

Cashapp was taking money from me and not giving it back and then closed my account so I couldnt talk to anyone about what was going on
Product: Debt collection

The debt collector, Rent Recovery Solutions, is saying I have not paid a debt that I paid in XXXX. The debt was {$3300.00} and it was settled for {$2900.00}. I paid this debt on XX/XX/XXXX, and it dropped off my credit report ( XXXX ) at that time. As of XX/XX/XXXX, it has reappeared on my credit report, showing I have not paid any amount towards the debt. 

I called the company and the first guy said he saw where I paid the original amount and that there was possibly a duplicate collection. He told me there was probably an error in the system and transferred me to the debt account manager. The account manager then told me he did not see where I paid the debt and that I still owe the amount. He told me I could mail my bank statement to them that proves that I paid the debt, but I do not trust this company with that information. I believe they are fraudulent, and so do many other people according to their XXXX reviews. I do have that bank statement that shows I paid this debt though, which I will upload.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received the outcome of my disputes multiple times ( XXXX, XXXX, and XXXX ) and keeps coming back verified with new evidence submitted. I found that they are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF XXXX XXXX I have enclosed a paid off letter as a proof. 

XXXX XXXX XXXX XXXX XXXX Date Opened XXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX  Compliance reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standard of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX 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. 

Thank you for your time and help at this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. US DEPT ED - XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX
Product: Debt collection

MIDLAND FUNDING IS ERRONEOUSLY REPORTING A COLLECTION FROM XXXX XXXX  -NEVER BANKED WITH, ON CREDIT REPORT TO ALL 3 BUREAUS FOR XXXX. NUMEROUS ATTEMPTS TO REQUEST VALIDATION OF THIS DEBT WENT IGNORED, MIDLAND NEVER RESPONDED AND XXXX XXXX THE ORIGINAL CREDITOR STATED THEY HAD NO NO NO RECORD OF THIS ACCOUNT UNDER XXXX XXXX NAME AND SS # THIS IS ILLEGAL AND MIDLAND SHOULD NOT BE ALLOWED TO HARASS AND OBUSE CONSUMERS THIS WAY ... MIDLAND FUNDING Account number XXXX .... 
Recent balance {$7700.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Company failed to provide documents that it was in fact charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I submitted a credit card application with Capital One. To further process the application credit one asked me to send them more information. I did not receive this request. Once the window for application closed I was apparently informed that because I did not send the required information the application can not be further processed and the application will no longer proceed with processing and will be terminated, effectively terminating the application. 

On XX/XX/XXXX after I went into a Capital one bank to submit a new application. It was immediately declined because 'Based on your application information, there is currently a pending or recently processed application with Capital One. 

I phoned Capital one and informed them of the discrepancy. Capital One denied assisting in the problem. I asked to be put to the complaints department and they told me they could not do so, the gentleman XXXX told me there was no complaints department, he was the the person who complaints went to and then terminated my call. 

I am requesting that any and all hard enquiries of both circumstances be removed as a result of their broken system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Innovis to mail me a full and complete copy of my Innovis Consumer Report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$2300.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX  BALANCED {$0.00} XXXXXXXX XXXX XXXX  BALANCED {$21000.00}
Product: Student loan

I attended a now closed for profit school, XXXX XXXX XXXX XXXX, in XX/XX/XXXX. A few months after completing the program my student loan payments kicked in, the one from XXXX being nearly {$400.00} a month. In XX/XX/XXXX my ex-wife and I moved from XXXX to XXXX, and I struggled to find work. She found work fairly quickly, but for far less money. The bills became a burden, so I reached out to my student loan servicers, XXXX XXXX and XXXX XXXX. XXXX XXXX have been very fair with me, first putting me into a plan with no payments until I found work, and then a graduated payment plan which kept the payments very reasonable. XXXX was a completely different story. They told me the only option for my " Smart Option '' loan was Forbearance, and when that ran out, they told me there were no other options available except to continue making regular payments. I found out how long it took for an account to go into Default, told them that 's what I was going to do, and proceeded to stop making payments to them until a month before the account went into Default, because I felt like I had no other choice. This, of course, destroyed my credit, but allowed me to survive from one day to the next. When I finally did contact XXXX again about payments, they were very eager to work with me for payments, naturally, and placed me on a plan for {$93.00} a month, automatically withdrawn from my account. After the first year I received my tax statement and realized that of the {$1100.00} I paid the previous year, only {$17.00} went towards the principal. They have sense jacked my interest rate back up to 10.375 %, and unfortunately while my credit score has improved, I have been denied every consolidation loan I have applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on Experian in violation of Federal Law. Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 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 statutes. 

( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD XXXX )
Product: Debt collection

Hi, in XX/XX/2019 i talked to a company about XXXX. 
They told me my payment would be around {$200.00} a month. I never got any final paperwork to sign or how much my loan and payment would be. 
Next thing I know Im getting calls from a bank telling me I owe them {$69000.00} and {$300.00} a month till Im XXXX XXXX XXXX. 
The signature on the contract is not mine. And I never signed a loan agreement from the bank. 
I disputed the loan with the bank. They investigated and said I still owe the money and no fraud was found. 
Please help? 
XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have a personal loan with an approximately {$10000.00} balance. 
I recently paid {$3800.00} to this loan, expecting a portion of it to pay this months interest and the rest to pay down the principal balance. 
On their payment page they ask the question, " do you want this to go towards future payments? '' to which I selected no. I want it to be applied to this months payment and this months principal balance. 
After making the payment, I noticed that it now says I do not have another payment due until XXXX of 2025, meaning, they have applied my paymnet to future payments. 
I called the company and spoke with a customer service rep who said that unless you make additional payments on the exact day the loan payment is due, then it is always applied to future payments. Regardless of what you select on the payment page. 

What this means is, I still have to pay interest on the higher principal balance until each of these payments are applied each month between now and XXXX. 

This is fraudulent in my mind, they are extorting higher interest payments out of me illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand how important it is to make timely payments However, I missed payments in XXXX and XXXX of 2017 that went 30 and 60 days late with XXXX XXXX, XXXX, XXXX  and XXXX  XXXX XXXX. On XX/XX/2017 I was in XXXX XXXX XXXX having a XXXX XXXX  in which I was only suppose to be in the hospital for 5-7 days.Due to complications i spent XXXX and XXXX in the XXXX  and was not released from the hospital until XX/XX/2017. During this time I was unable to attend to my finances. Prior to this date I had not had a late payment with these companies nor have I since. I will attach a letter from my doctor.