23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen received my XX/XX/2017 payment as follows : check # XXXX, in the amount of {$3100.00}. That would break down as follows, regular monthly payment of {$1100.00}. Plus a extra {$2000.00} to be applied to just the principal. Out of that regular monthly payment of {$1100.00} should come the escrow, the interest, and the PRINCIPAL payment. As you can see from the attachments. Ocwen once again has failed to apply my monthly funds correctly. This month Ocwen failed to apply my regular principal payment to the loan. ( that amount would be {$460.00} ) Ocwen only applied the extra principal payment I sent in to my loan. As you can clearly see from the letter Ocwen sent to me and to the CFPB dated XX/XX/2017. They corrected their last mistake from last month and brought my account up to date with the correct unpaid principal balance for XX/XX/2017 of {$130000.00}. ( that page is in with the attachments. ) With that being said when you take the extra principal payment of {$2000.00} plus the regular principal payment of {$460.00} and add those together you get {$2400.00}. You then subtract the {$2400.00} from the unpaid principal balance of the loan, and you get {$130000.00} for the unpaid principal balance of my loan going into XX/XX/2017. As you can clearly see on the payments and amounts due page ( that page is in the attachments ) Ocwen states that the unpaid principal balance is {$130000.00}. That is clearly wrong. On the payment confirmation page ( that page is in the attachments ) Ocwen states that my loan is now due for XX/XX/2017. THAT IS CLEARLY WRONG. My account is next due for XX/XX/2017. On the Payment and history page ( that page is in the attachments ) Ocwen does n't show any amount of principal being applied to my loan for the month of XX/XX/2017.
Product: Vehicle loan or lease

I was authorized a rental car through XXXX XXXX through my insurance company USAA in XX/XX/2021. My XXXX XXXX XXXX was XXXX. 

On XX/XX/2021, I spoke with a gentleman named XXXX at the XXXX, NJ, XXXX location who told me I was on XXXX XXXX " Do not rent '' list, and I was denied the reservation I had just made to use reserve a rental car. This caused great personal inconvenience and XXXX. XXXX gave me a phone number to call to speak with " XXXX XXXX. '' As of the date of this complaint, I have contacted XXXX XXXX no less than a dozen times at XXXX XXXX XXXX XXXX, and yet there remains no resolution to this issue and I remain on XXXXXXXX XXXX XXXX Do not rent '' list with resulting personal stress, anguish, and embarrassment. I have left multiple messages again and again and again, and to this date, no one at customer service has bothered to call me back. 

On XX/XX/2021, a representative actually did answer the Customer Service line, she identified herself as XXXX. XXXX listened to me explain the issue, although she could not provide a reason for why I would be on the " Do not rent '' list as she confirmed my insurance company had paid the cost of the rental in full. She promised that she would forward my information to the " Do not rent '' team and someone would get back to me ASAP. 

No one got back to me ASAP, or ever again. I have followed up by phone three times since then, and have received zero response. 

Yesterday, I contacted my insurance company USAA to assist with the problem, but they were either unwilling or unable to help. They did confirm, however, as XXXX did as well, that my rental was paid in full and there should be no reason for me to have any issues at this point. 

Again, this has caused a significant amount of XXXX and inconvenience in my life, to say nothing of the time and frustration at trying to resolve this problem ( which shouldn't exist in the first place! ) with zero response, help, or assistance from two reputable companies like XXXX and USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  XXXX/ {$500.00} / XX/XX/2021
Product: Credit card or prepaid card

I checked my credit report to notice that there was a credit card opened with my social security number with a different name ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have attempted on multiple occasions to resolve the matter with my mortgage company, XXXX XXXX. Negative late payments from XX/XX/XXXX to XX/XX/XXXX, during the COVID-19 Mortgage Moratorium, are incorrectly being reported to the 3 major credit reporting agencies by my lender XXXX XXXX XXXX  XXXX Based on the passage of the CARES ACT of XXXX, sec. XXXX and sec XXXX protects consumers under the Mortgage XXXX period. Additionally, my loans were also impacted by hurricanes XXXX and XXXX in XXXX and XXXX. 

The lender acknowledged and sent letters to consumers stating that they will not penalized borrowers whose income were negatively impacted during the hurricanes of XXXX, XXXX and COVID-19 in XXXX. However, they are reporting late payments on my mortgage loan XXXX from September 2021 month-end to XX/XX/XXXX during the period of the COVID-19 Mortgage XXXX. 

I would like to ask the CFPB to assist me in getting the lender to remove all negative late payment history at the XXXX major credit bureaus on my XXXX XXXX  mortgage account XXXX from XX/XX/XXXX to XX/XX/XXXX. 

Thanks in advance for your assistance with this important matter. 

Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with XXXX concerning an account that popped up on my credit report for Realtime Resolutions. It stated that it was a closed account, was OK in XXXX, XXXX then 180 days past-due. They showed the last payment in XX/XX/XXXX. The note said it was a closed mortgage account that the collateral was released on with a balance owing. I filed the dispute stating that this was not my account. I sold my house several years ago and had never heard of this company and have never paid them anything. 

On XX/XX/XXXX, I received an email that XXXX had completed the investigation on XX/XX/XXXX. I tried several times to access their website but it does not work. I called their XXXX and spoke with a man who spoke very poor English. He started giving me the results from a dispute that I had filed years ago, not the current dispute, even though I had given him their confirmation number. He then told me that he would take my dispute information over the phone. I gave him the information listed above and he gave me a new confirmation number XXXX. 

Today, XX/XX/XXXX, I received an email from XXXX that the investigation was complete. I again tried the website to no avail. I called the XXXX number again, gave another man who spoke even worse English my information and my confirmation number. He asked several questions to verify my identity, one of which was where was my mortgage and how much was the payment. I told him that I do not have one. This is the account that I am disputing but my former mortgage was through XXXX. He told me that he couldn't verify my identity and that he couldn't help me. I asked him where he was and he told me that their offices were in XXXX. I asked again if that is where he was speaking to me from and he said no, he is in the XXXX. That is quite un-nerving. I gave my information to someone in the XXXX, something I would never have done. 

I looked at my credit report on XXXX XXXX following the call and the account I had questioned had been moved from closed to open and 180 days past due. All my other accounts show a 100 % payment history because I make sure to pay them all on time. This has given me a 70 point hit on my credit score for something that I have never heard of, did not open an account in XX/XX/XXXX or any other time and is not an open account that I have anywhere. 

Not only was an investigation not done that I can tell, I can not even access the information through the available channels as the website does not work and the calls go directly to the XXXX where the language barrier is formidable.
Product: Student loan

Mohela doesn't respond to any messages or process requests for changes, such as deferment requests, or a XXXX request that I was advised to request by a supervisor via their website. 

Their processing window is a large, undefined black-hole of time in which we submit requests, and then have no idea how long it will take for processing. At the beginning of the month, 15 business days prior to needing to be in repayment, I submitted a deferment request because of Mohela 's incompetence with counting my PSLF payments correctly. 

Since they couldn't count the payments correctly, and am still waiting on resolution with that problem, I have submitted a separate CFPB complaint about that. Almost a month later, there has been no word whatsoever from Mohela as an explanation of what has happened with my payment accounts. 

Therefore, starting yesterday, I tried to call Mohela, only to be met with a 98 minute hold time, which is unacceptable. The menu prompt said to call again between XXXX XXXX. After calling this morning at XXXX XXXX I'm already subjected to another 49 minute hold time to even speak with someone.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX I am filing a complaint regarding XXXX unauthorized hard inquiries on my Equifax credit report, which are a result of identity theft. These inquiries remain despite prior disputes and formal complaints, and I request their immediate removal : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Key Points : Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must report accurate and complete information. These inquiries are unauthorized and should be deleted. Equifax failed to provide a Method of Verification ( MOV ) for these entries, violating FCRA 1681i. 

Identity Theft Protections ( FCRA 1681c-2 ) : Under FCRA, unauthorized inquiries resulting from identity theft must be removed. I demand Equifax promptly removes these inquiries in compliance with identity theft protections. 

XXXX Law : As a XXXX  resident, I am protected under XXXX Statutes ( XXXX XXXX. XXXX & XXXX XXXX. XXXX ), which require the immediate removal of unverifiable or fraudulent information from my credit report. 

CARES Act : These inquiries were reported during the COVID-19 pandemic. Under the CARES Act, creditors were required to offer accommodations and report accounts as current. I request verification that these inquiries comply with CARES Act provisions. 

Resolution : I request the immediate removal of these unauthorized hard inquiries from my Equifax credit report. If Equifax can not verify these inquiries, they must be deleted. If not resolved within 15 days, I will take further action with the FTC, CFPB, and XXXX Attorney Generals Office.
Product: Debt collection

In XXXX there was a collection put on my report by Radius Global Solutions for {$1100.00}. I never received anything in the mail stating that they received this debt in their office and I have the right to question validity. I sent a letter in XXXX requesting validity and I have yet to get a response. My letter was mailed out on XX/XX/XXXX. Upon further investigation, it stated on my credit report that the first day of delinquency was XX/XX/XXXX. Meaning this was an attempt to get payment before the 7 year rule applied. These unlawful tactics has cost me so many points on my credit and I want thus item removed for not notifying me the correct way. This company did a soft pull on my credit back in XX/XX/XXXX, therefore they had my correct address to send me a letter notifying me of this debt. They failed to acknowledge my rights according to the FDCPA laws. They have past due balances and original amounts due but I have no business with them. Therefore those items should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint in line with my prior complaint dated XX/XX/XXXX. 
My complaint contains the items which I believe to be fraudulent please remove the items in my file : XXXXXXXX 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 XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

FROM CFPB WEBSITE : You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy XXXX home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately. 

XXXX, XXXX, and Transunion are not honoring the 45 day rule. I shopped around the week of XX/XX/XXXX - XX/XX/2022 with XXXX different banks. I now have XXXX different inquires and the credit bureaus will not remove the other XXXX, and the worst part about it it lowered my credit rating over XXXX points! 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting for the 3 major credit reporting agencies to remove and block these following unauthorized accounts reporting on my credit file. The following accounts do not belong to me. 

1 ) XXXX XXXX XXXX  {$1700.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX   {$2000.00} 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX {$4600.00}
Product: Credit reporting or other personal consumer reports

I am reaching out because I am looking for assistance in getting a missing tradeline posted in my Experian credit report. XXXX XXXX has reported a rental tradeline to Experian but yet is not showing on my credit report I have sent them all the information, and conversations with XXXX XXXX to get this posted but yet have no results. The rental tradeline should have appeared on my credit report after they submitted the encrypted file to Experian but yet is still missing
Product: Credit card or prepaid card

On the date of XX/XX/XXXX a unauthorized transfer that was not approved by me to a client with a checking account that was bank of America 's checking who I never gave permission to access my funds yet alone my information which was stolen by a individual who name Bank of America dint provide me any information do to policy Bank of America applies to all accounts issued to members with checking savings accounts but not to the edd prepaid card issued by state benefits.. 
do to fact my card was a California unemployment prepaid card issued by bofa I was not able to dispute this matter in person at any location but only over a phone call to claims department on edd bofa number not to unemployment but to bofa claims department which is not located anywhere but on a phone etc.. a transfer in amount of {$3000.00} issued without my consent/stolen from me and not recovered till now not any info on were my funds went to. ive disputed this problem with bank of America and many other transactions which have been fraudulent since XX/XX/XXXX ive dealt with identitytheft as my personal information has been stolen and caused me financial problems by the bunch in lots of my statebenefits being stolen and never received much attention till day bofa has solved many issues in my favor but much of funds still haven't been unsolved in a correct matter like the transfer on XX/XX/XXXX still I don't give up and continue to dispute this specific transfer which continue to be denied not ruled in my favor. Over and over disputes have not been correctly treated since the beginning of my pandemic unemployment benefits. which have led to me losing an enormous percentage of my funds do to fraud caused by people who stolen my account information/prepaid cards ive lost or gotten stolen from me many times ive reported to claims department of my issues and they had me wait over a 3 year period to pay some of disputes ive been filed since mid XX/XX/XXXX till day. Which have been caused by fraudsters who have had my bank and identity information which led me to losing over XXXX XXXX on a three year period do to fraudulent transactions and transfers both online and by merchant 's who have verified matters not resolved in my favor due to insufficient information given by me. And who have failed to resolve my very much needed help on these matters ive dealt with for over 3years now and still not giving up on my stolen funds .. please help me reach out to them by this company 's wrong dues with this very importance of company complaint hope to spark interest in the unreasonable way of claims not reporting correctly to disputes their customers deserve best investigation done correctly funds should always be safe in their banks no matter the issues funds should always be backed up in the right way..
Product: Debt collection

They want me to pay a balance of an account that i never open and keep calling me asking for money and asking personal question and information like social security number by phone, i eould like this people to stop bothering me and remove me from the debt and their system since i have never open an account eith them
Product: Debt collection

I received a collection notice from ERC XXXX Enhanced Recovery Company ) in XXXX, FL, and it appears that XXXX is billing me {$260.00} for a service I never received. In XXXX 2014, I ordered internet service from XXXX XXXX and they set up an installation appointment. No one ever came out to my residence to install XXXX XXXX internet service. I waited three weeks after the installation appointment thinking they would call me to reschedule ; however, they never called so I called them and XXXX of their sales agents told me they did n't even have service in XXXX XXXX, Texas, and that they would cancel the order. The original sales agent never told me they did n't have service in XXXX XXXX, Texas. Just to summarize, I never received any type of service from XXXX and I have a collection agency called ERC trying to collect a debt.
Product: Checking or savings account

I was over drafted with XXXX XXXX XXXX in my checking account ( not unusual ) and used my XXXX XXXX XXXX to pay these funds. My account was restricted the next day and closed with a permenant lifetime ban within two days after that. Upon calling XXXX XXXX money to inquire what was going on and why, I was given absolutely no information or reasoning as to why my account had been closed. They completely refused to tell me ANYTHING, beyond that my account was closed and I can not open a new one.
Product: Bank account or service

We bank with Chase XXXX XXXX in XXXX California. This morning we have discovered over XXXX checks at around $ XXXX totaling around $ XXXX was debited from our checking account and we were told the money will not be coming back to us for 60 days. 

We are making this complaint because we suspect that Chase internal employee is making this possible. I said that because 1. The check image in question shows our previous address without my name and only my wife 's name on it which we always do. 
2. The check number was previously used by us years ago and it surprised us that Chase did not red flag these checks. 
3. On the back of the check the criminal put " for Deposit Only '' which becomes a restrictive instrument yet it did not indicate if it was cashed or deposited which only a teller can do by forgetting or intentionally skip the printing transaction type of the back of the check. 
4. The check signature was totally different that what we have on the signature card which can be compared to via Chase teller computer screen which is a standard practice for all the banks. 

Chase now is telling that they will do investigation for the next 60 days while others are only 15 days Complaint was filed with XXXX XXXX on XXXX XXXX, 2016 and no reference number was given.
Product: Credit reporting or other personal consumer reports

I have a-lot of knowledge when it comes to the fcra and i know that no consent is identity theft so since i did not give my consent to these creditors listed on this identity theft report to send XXXX nor Experian any information about transactions or to report any information or data on my consumer report this means these fraudulent credit cards and loan must be deleted permanently from my credit report in the next XXXX business days meaning by XX/XX/year> all of these accounts should no longer be reporting on my credit since the law says thats the amount of time yall have to make this right! my credit reports contains some credit card accounts and a loan that is not verified and information that is not 100 % accurate these credit cards and the loan are not being reported correct at all! This is against the laws that protect me as a consumer The fair credit reporting act states that every single thing on my credit must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) If not deleted I plan to sue Experian for {$7000.00} in federal court and I can sue XXXX for {$7000.00} in federal court which is {$1000.00} per violation!