23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting incorrect information showing i am late paying back when I am in the process to finish school. I have not graduated yet and they showing and reporting I am late and it is effecting all three credit reports
Product: Mortgage

Ocwen transferred the mortgage to PHH without a principal balance. This is illegal. PHH was to assist with reinstating the mortgage with a modification but efforts have been refused. There was a modification with Ocwen in XXXX on which payments were made from XXXX, XXXX to XXXX, XXXX. No laws were cited by Ocwen when part of the payments were refunded. Ocwen illegally advised their attorney who was unknown, to refuse the modification after 3 months. This is illegal. Attorneys can not make representations about the financial workings of the loan. The attorney stated that a notice of. refusal was sent by email but a copy of that email was not presented because the attorney never sent the email. 
Ocwen accepted the trial modification by implication because Ocwen kept part of the payments. 
Please advise Ocwen to reinstate the modification. Who is supervising Consumers Rights at CFPB? 
Who will defend the Respa Laws which. Ocwen has continuously violated in this mortgage. 
The only way the refusal of the XXXX modification was discovered was in an answer to a CFPB in XX/XX/XXXX. 
Ocwen also admitted that clerical errors were in the modification of XXXX and no monthly payments were established since XX/XX/XXXX so I could not pay on the loan. 
Ocwen admitted that the payment of XXXX, XXXX was not credited correctly. 
This transfer to PHH is the 2nd time Ocwen transferred the loan. 
The first time was in XXXX, XXXX to XXXX but the loan was sent back to Ocwen creating another delinquency. 
The loan was not delinquent in XXXX until Ocwen misapplied monthly payments, failed to correct the mistakes on the XXXX modification after which a monthly amount to pay was never required. 
Even though Ocwen failed to return 5 months of payments on the trial modification of XXXX and 3 months of payments on the modification of XXXX plus all the other errors Ocwen has not credited those monies. The default date goes back to XX/XX/XXXX before the failed transfer to XXXX and before the XXXX to XX/XX/XXXX payments and before the XXXX to XX/XX/XXXX trial payments. This is illegal and outright Theivery. What if CFPB going to do about this? 
XXXX XXXX XXXX Ps. Ocwen created this default. After 225 requests to Ocwen to correct, Ocwen has not responded with answers within 30 days as required by Respa.
Product: Mortgage

To Whom This May Concern : We are writing this letter in an attempt for some assistacne regarding payoff issues with CitiMortgage. 

We were in the process of renovating our property when a neighbor told me that someone was in my property. 
CitiMortgage had the men to come and break the door and damage it to change the locks on the property. The front door is damaged which can not be repaired. 

My grill that was on my upper deck was taken into the house which they also had broken. 

As they can see that the house was being renovated by looking at the outside and inside of property. 

We had put siding on the property and pulled up all of the carpet inside the property. 

We had requested a pay off in XXXX. Amount {$3200.00} Good through XXXX XXXX, XXXX. That deadline was not met. 

Next Pay Off was {$5400.00} in which they paid end of year property taxes which was not due until XXXX XXXX, XXXX. 

Pay Off letter 3 now show {$9000.00} good through XXXX XXXX, XXXX. 

How and why did it go up so much? 

Our principal balance on the property is {$2200.00} We have not came this close to lose our property. 

CitiMortgage is trying to do everything they can to take our property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation/dispute on my credit report which caused severe XXXX on me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under U.S. Code 1681e ( b ) and U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these account were updated but not verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 USC Section 1681i ( 7 ) Method of verification -Description of re-investigation procedure.

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 stated a consumer reporting agency can not furnish an account without written instructions. 

RESOLUTION : As a consumer by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting accounts I recently submitted by certified mail that I have attached. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute with transunion on a creditor name XXXX XXXX. After the investigation was completed i received a response from Transunion that it was deleted from my credit report on XX/XX/2019. However Transunion has allowed XXXX XXXX to the same accounts back on my credit report without following the proper steps by Fdcpa & FCRA .I never received a reinsertion letter about XXXX XXXX being reported on my Creditor Report prior to it being reinserted by the creditor nor Transunion . This is a direct Violation and it has damaged my credit report and affected my ability to get credit. I also have a letter from The Supreme Court Of New York State index # XXXX Notice Of Discontinuance XX/XX/2019 from the plaintiff XXXX XXXX XXXX XXXX XXXX. XXXX XXXX .I am holding Transunion responsible for what has taken place and how I have been afffected as well as I am holding XXXX XXXX accountable. I have spoken to XXXX XXXX and they said they are not removing nothing off my credit report. We have been arguing back and fourth I have no business with these people and Transunion verified it but will keep reinserting on my credit report damaging it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX XXXX XXXX agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many unauthorized inquiries listed on my consumer report this request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Product: Checking or savings account

opened a One Deposit bank account with Citizens Bank in XX/XX/XXXX after receiving multiple marketing emails from them stating that I would receive a {$200.00} bonus if I deposited {$500.00} into the account within 30 days. On XX/XX/XXXX I deposited that {$500.00}. In XX/XX/XXXX, I called to check on my {$200.00} bonus and was told it could take a while to show up in my account. I then called back in XX/XX/XXXX and was told to call back in two weeks because the bonus should apply at the end of the month. So I called back a few weeks later and was told it could take up to 90 days. In total I called 6 times, those dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After 90 days I called the customer support team again and was told that they would have to contact their marketing team. I was assigned a case manager who never answered any of my calls and called me back 5 days later to inform me that the bonus would not ever apply to my bank account because Citizens Bank does not have the correct link they need to apply the bonus. Instead of them finding verification that their link doesn't work properly, they decided to ask me if I had a 4-month-old confirmation email from them. After 5 months of being told to wait for my bonus, which I am entitled to because I followed the rules that were laid out for me, I am being told that this bonus does not apply to me. This is a scam. My case manager claims she has no control over it and the fact that her customer service agents are incompetent and told me I would receive my bonus. She also stated that this happens often and usually clients are able to produce the emails. Which only tells me that Citizens Bank is not properly handling these bonuses. Again, this is a scam. It is deceptive to have someone add funds to a bank account under the guise of a bonus then claim they are not going to receive it because they didn't save a 4-month-old email. I would like to receive my bonus as it was promised to me when I opened the bank account using this link https : 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: Debt collection

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX / XXXX / {$980.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are several inquiries on my credit report that I did not authorize. I did not authorize XXXX, XXXX, XXXX, nor NAVY FCU to run my credit. XXXX and XXXX inquired on XX/XX/XXXX. XXXX inquired on XX/XX/XXXX and NAVY FCU inquired several different times, some back to back ; XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX, per my credit report.
Product: Checking or savings account

I am filing an complaint against Navy Federal Credit Union due to the following message I sent to them concerning overwhelming conditions : Navy Federal I am receiving messages concerning overdrafts by mail and email. I have direct deposit so your funds will be reimbursed to you Navy Federal. I wish you were this informative when you stated I owed a credit from the stimulus check on XX/XX/XXXX that I was charged for in XXXX. I never got a phone call nor did I see this credit appear in my account. Also you Navy Federal had a representative call me on a Saturday. This is illegal look it up for yourself. I am tried of the harassments from your agency this is unnecessary. You sent me a letter about the overdraft but didn't give me the same respect about the credit you claimed I owed around XX/XX/XXXX. Shame on you Navy Federal you will reap what you sow. Somehow poor and certain races always get attacked by companies and businesses such as yours I am so regretful that i joined your agency as a member.
Product: Mortgage

I had listed my home for sale in XXXX FL. It was under contract early XXXX by XXXX and XXXX XXXX. They had a prequal letter from Stockton Mortgage with Loan Originator XXXX XXXX XXXX XXXX. There was no contingencies in the contract. The buyers were also selling their house. The people buying their house backed out at the last minute due to finances. They ask me for an extension for 60 days until they sold. I said no and we were going to close. First they said they did not want to make two mortgages and then they said they could not qualify for the loan if they had their house bc they needed the money from their house to buy mine. My realtor spoke with their loan officer and she said that they could not qualify for the loan with the other loan. I spoke with the loan officer a few days later and she told me the same thing. But i questioned her because they were closing on my house a day before theirs and they would of had to have cash available to close. I ask the loan officer if she verified availability of funds, which she would of had too bc my house was closing first. she said that she looked at the equity of the buyers house they were selling to qualify them, I think she is be deceptive and misleading because they would of had to have the money to close. i believe they were trying to force me to extend, and now it has cost me thousands of dollars, due to deceptive actions by the loan officer,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been affected by the Equifax hacking by my information being one of the accounts being compromised.
Product: Debt collection

The Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX DE XXXX phone : XXXX. This company is charging XXXX dollars a month in interest fees. The charges amount to at least XXXX percent of the original balance. An original bill of XXXX is now XXXX. This is simply not right. The company refuses even to settle. I did sign up fo a revolving account.
Product: Credit card or prepaid card

I extensively researched different credit cards back in XX/XX/XXXX and  finally decided to apply for the Discover It card because everywhere I looked said there was 0 % interest on purchases and balance transfers for something like 18 months, maybe 14. This was written clear as day in all the articles I read, as well as the terms on the actual Discover website. I applied and was so excited to be approved ... In XX/XX/XXXX I put a large purchase on my card and they are now charging me interest. I called the company multiple times and they argued with me saying that you only get the special interest on purchases IF you're approved for that, not when you're approved for the card. I've never experienced something like this and I totally feel like they lied to get me into a credit card with them but never gave me the promotional interest rate as advertised. I read all the fine print and couldn't find anything that says you may not be approved for the 0 % APR on purchases, they're claiming I only was allowed that on balance transfers and I know that's incorrect. I'm currently working on getting a new card to transfer the Discover balance into so I can give my business to somewhere that honors their word. Every card I've ever applied for has given me the intro rate that shows on the application and I thought Discover would be no different. Sorry I was so wrong.
Product: Debt collection

The stafford group and associates repeatedly calls friends, work, relatives, stating they are calling in for legal department collecting a debt and have to deliver legal documents. They call early morning, at night and weekends.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-  XX/XX/XXXX XXXX-XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I HAVE CONTACTED UPSTART MULTIPLE TIMES ASKING FOR HARDSHIP ASSISTANCE AS SOON AS I HAD A CHANGE IN INCOME AND INCREASE IN EXPENSES DUE TO XXXX LOANS. I HAVE NEVER BEEN LATE. I WAS TOLD TO CALL FOR ASSISTANCE IF STRUGGLING TO MAKE PAYMENTS AND I KEEP BEING DENIED. I APPLIED XX/XX/year> AND WAS DENIED AND WHEN I CALLED AGAIN I WAS TOLD TO TRY AGAIN JUST TO BE DENIED AGAIN. THEY ARE STATING I HAVE EXCEEDED THE AMOUNT OF TIMES ASSISTANCE CAN BE GIVEN AND THEY WILL NOT REFINANCE THE CURRENT TERMS. THEY ARE NOT WILLING TO HELP. THEY ARE CALLING ME MULTIPLE TIMES DURING DAY AND DO NOT OFFER ANY OPTIONS FOR PEOPLE IN DISTRESS OR TO AVOID NEGATIVE CREDIT REPORTING.
Product: Checking or savings account

On XXXX, someone hacked into my CashApp account and stole {$1500.00}. They withdrew {$700.00} from an ATM at XXXX in the afternoon, and then almost an hour later, at XXXX they spent {$820.00} at XXXX. I have no clue how they did this, my card was kept locked and I only have one card. I immediately disputed these transactions with CashApp once I saw the notifications of the charges and they have denied my claims. Thankfully when I saw the charges being made, I immediately withdrew the rest of my money into my other bank account because the thief had the audacity to attempt an {$850.00} charge at XXXX again at XXXX which got declined. Had I not moved the rest of my money they would have gotten that too. Im not sure of what next steps I need to take to pursue this further but {$1500.00} is a lot of money and I need it back. Please note that all of this was happening while my card was locked. I had no clue as to what else I could do to keep them from draining my account, and CashApp has been of no help whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct my name and address with all three credit bureaus and they have not corrected my name, former names and current addresses. 

I have informed them all names listed as my former names are incorrect. I have never had or been referred to as any other name than the name noted on my proof of ID. 

I have also informed them on countless occasions to remove the incorrect addresses, as well and they have failed to do so.
Product: Credit card or prepaid card

Citibank closed my credit card account XX/XX/XXXX for " inactivity. '' I've had this account since XXXX, it has a {$0.00} balance, and helps my credit score. The company never told me I was in danger of having it closed -- they just closed it and notified me. This is wrong. I should have the opportunity to use the card if I know that it's in danger of being closed. 

I recently took out some loans to buy a condo and a tiny home rental, so these loans are backed by real assets. My credit score is still very good. The company should have at least contacted me. Instead, they arbitrarily canceled my card. Where am I going to get a new card with such long history?
Product: Vehicle loan or lease

Thursday, XX/XX/XXXX - That morning I was unable to find my car. I called 911 thinking it was stolen. Come to find out it was repossessed by XXXX XXXX  ( EMVLP , LLC ) I called my State Farm Bank and they informed me they are now with XXXX XXXX. I was never made aware of this change and they stopped my auto payment. Therefore I did not realize I was missing payment as it was never brought to my attention. The loan servicing agent said they do not leave a message by phone as it is an automated message and the mail was sent to my previous home address. I paid the full amount owed ( {$2000.00} ) the same date I was made aware ( XX/XX/21 ). I find it strange they were able to find my car at my new address and not mail the warning to the same address. I called my State Farm agent the same day XXXX and they requested me send them bank statements of my autopayment as they found it strange that the autopayment would stop with no warning. 

I gathered all this new information on XXXX ( State Farm Bank transferred to XXXX XXXX  ). Why did the autopayment suddenly stop. I went through the protocol and wired {$2000.00} to final retrieve my car the next day. 

I called XXXX XXXX  today XX/XX/21 and asked if they could send me the autopayment paperwork so I can properly fill out. 

I have never missed a payment and only have {$6700.00} left to pay. The funds were there but XXXX XXXX  ( EMVLP , LLC ) / State Farm stopped the auto payment with zero warning to the customer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notification that there was an inquiry for my credit. I immediately contacted the credit bureau and XXXX XXXX XXXX  stated they located the application and will send out letters asking creditors to remove from report. 60 days later XXXX XXXX XXXX removed. Transunion refused to remove stating they did not get any information from XXXX XXXX. I called transunion multiple times and XXXX XXXX with no one willing to help. By law this supposed to be removed. This is unfair as I did not do this. Transunion is refusing to dispute and remove with this being a fraud inquiry.
Product: Credit reporting or other personal consumer reports

I sent a letter asking them to remove the charge off from credit profile because i never recieved a 1099 from the IRS since they charged off the debt they are reporting to my credit this is hurting me financially and hurting my score.
Product: Checking or savings account

Huntington Bank of XXXX, Ohio initially locked and then closed my account without any warning. I believe it is due to my XXXX status. They refuse to provide a timeline for when a check for the funds that I had at the bank will be returned via check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed on a Home Loan in XX/XX/2019 with XXXX XXXX XXXX   and setup my auto pay with their loan XXXX Department. I always do auto pay. 
I had even setup and additional payment of {$1000.00} on top of my monthly payment. 
However, the bank apparently sold my loan to another service provider. 
They failed to contact me about this and did not transfer my auto pay. This is why one payment was missed since I thought the auto pay was activated.