23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen loan # XXXX it was Modified on XX/XX/XXXX that time ocwen calculate the Amount monthly as there break Down pricipal, Interst, Insurance, real Estate StateTax and I was paying timly and in the mean time ocwen advised me if i provide Hazards Insurance then premium will reduce and I did that, But from time after 3 month they made little reduced which is i decided that is not helpfull the way ocwen provide me information. 
then XX/XX/XXXX-XX/XX/XXXX ocwen provided me statement with eveything my monthly premium {$2100.00} which is we paying continued. 
in the end of XX/XX/XXXX ocwen send letter that from XX/XX/XXXX Monthly premium will be {$2400.00} I called and asked ocwen why too high raise I need to see reason, on XX/XX/XXXX ocwen send me statment that they missed by reveiw XX/XX/XXXX - XX/XX/XXXX Insurance is not Found on there end. 
I asked how they have done the Modification Grand total. amd from there i was shocked and Doubt that they are not fair. 
again i called and asked ocwen and they ocwen provide me information is not match as previously ocwen given. 
I told them if the issue will not resolved before the XX/XX/XXXX or XX/XX/XXXX I will not making any more payment, and conversation in there recorded. 
this point I dont know how to solve this and i think since year XX/XX/XXXX I paid mortgage still my principale never coming down and going up this issue is effect my family 's Bread and foods. 
I need help, and stop ocwen to taking this kind advantage on me. 
I am not healthy person I am not not Young I am XXXX year old and I am Disable person I could not take anymore streess as they ocwen giving me. 
Today again I called and they ocwen informed me my loan is tranferred to XXXX i dont know what is this. 

Please see the letter ocwen sended to me on Dated XX/XX/XXXX and letter dated, XX/XX/XXXX is not match and phone explanation is Error. 
Thank XXXX and XXXX XXXX XXXX email XXXX Note I haved sended so many requesting to resolve and satisfy my morthahe issue I am Tiered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I successfully paid the {$8400.00} to my XXXX XXXX credit card in XX/XX/XXXX ( the payment confirmation from XXXX XXXXXXXX is attached ) but XXXX XXXX wrongly missed the payment ( the payment activities from XXXX XXXX are attached ) and intentionally ignored all my disputes with that missed payment, and then wrongly added delinquency to my credit report. 
When I disputed the wrongly added delinquency with Equifax on XX/XX/XXXX, Equifax failed to meet its reinvestigation obligations and, on XX/XX/XXXX, sent me a letter without correcting this wrongly added delinquency ( the letter is attached ), even when I tried to contact them to correct the delinquency record after I received the letter, Equifax still had never conducted satisfactory reinvestigation and never tried to contact me to get more details about the payment disputes, and Equifax had never corrected that wrongly added delinquency record. 
On XX/XX/XXXX, I disputed this wrongly added delinquency with Equifax again, unfortunately, Equifax did not meet its reinvestigation obligations again, and on the same day, sent me another letter showing the disputed delinquency unchanged, without any satisfactory reinvestigation ( this letter is also attached here ).
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a collections account opened at XXXX XXXX XXXX XXXX  with a balance of {$48000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

THIS IS IN RESPONSE TO CFPB XXXX AND XXXX ACCORDING TO YOUR RESPONSE YOU FEEL YOU'VE DONE A PROPER INVESTIGATION BY SENDING ME THREE BILLS. CLEARLY THE DEFINITION FOR VERIFICATION MEANS, BUT IS NOT LIMITED TO, Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. IM NOT SURE IF YOUR COMPANY UNDERSTANDS WHAT IVE ASKED FOR SO LET ME BREAK DOWN IN SIMPLER TERMS BEFORE YOU IGNORE MY PRESENSE IN THIS SITUATION AND MARK MY COMPLAINT AS A DUPLICATE AFTER YOUVE CLOSED WITH UNLAWFUL RESPONSE. PLEASE PROVIDE TO ME AND MY LAWYER THE FOLLOWING : 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8.  Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR XXXX balance sheet ( OMB # s XXXX, XXXX, XXXX ), XXXX OID report, XXXX registration statement, XXXX prospectus, XXXX & XXXX call schedules XXXX. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Product: Bank account or service

Paypal closed my account with a {$1000.00} balance. They have said that they will take 180 days before I will receive my money back, which seems outrageous.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$21000.00} XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting

XX/XX/XXXX Re : XXXX Experian Credit Report I, XXXX had experienced, yesterday ( XX/XX/XXXX ) in an attempt to retrieve my Experian credit report, two questions suggested that I had taken a mortgage loans from one of the four banking institutions and the other question suggest I had taken a car loan for which, I had answered both of those questions as none of these above then I was denied access to my online dispute service provider for answering one or both question ( s ) wrong. I had not taken any financial mortgage, credit cards and [ or ] car loans in the past or present since, my last credit report number XXXX dated XX/XX/XXXX. I had frozen my credit report information therefore, any person should have not been approval for any mortgage, car, or credit card loans against my credit report accounts for which, I have no credit history. 

I would gratefully appreciate your investigation into that matter and please provide me with a free credit report. 









XXXX
Product: Student loan

Unable to reach /talk with a real human to loan rehab my default loans. 
Mailed 2 {$5.00} payments to XXXX XXXX  in XXXX, wi but no one will talk call me back to resolve the matter.
Product: Bank account or service

On XXXX XXXX, XXXX my debit card was fraudulently used three times at a nearby ATM by someone who stole my card and pin numbers. I had never visited the ATM in question, and I notified Ally Bank within a few hours of the fraudulent transactions occurring on my checking account. Within a week, I had filed a police report with my local police station in XXXX, MA, and provided Ally with the police report on my transaction dispute forms. After a few more days, a detective at the police station called to let me know that they had a suspect that they believed had fraudulently used my cards. On XXXX XXXX Ally granted me a provisional credit for the entire disputed amount, and I believed the case was resolved. In early XXXX I received a letter from Ally stating that their research concluded that the disputed transactions were " authorized and correct '', and my provisional credit was reversed on XXXX XXXX, XXXX. Ally did not provide me with their research report, and indicated that they had not contacted the police department where I filed my report. I immediately followed up with the police department and the detective assigned to my case confirmed that they had not been contacted by Ally, and that they indeed had a suspect for my case. He also mentioned that it was part of a larger, multi-state FBI investigation. After many calls to Ally I was told that my transaction dispute had initially been escalated to the wrong department, and that my case would be re-opened. On XXXX XXXX, XXXX I re-sent my transaction dispute forms and police report to a different department at Ally. As of today, XXXX XXXX, XXXX, I have neither a provisional credit nor a timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft:XXXX|HARD INQUIRIES|| XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX || XXXXXX/XX/XXXX  XX/XX/XXXX  XXXX XXXX XXXX    XXXX XXXX XXXX XXXX XXXX WA XXXX (XXXX) XXXX || XXXX  XX/XX/XXXX  XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX  (XXXX) XXXX ||COLLECTIONS||XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XX/XX/XXXX  $XXXX  -  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX|-----------------------------------------------------------------------------------------------------------------------EQUIFAX|HARD INQUIRIES||XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX - XXXX  XX/XX/XXXXXXXX   XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX||COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX XXXX|-----------------------------------------------------------------------------------------------------------------------XXXX|INQUIRIES|XXXX XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  Bank Credit Cards  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  Bank Credit Cards  XXXX XXXX   XXXX XXXX XXXX, NV XXXX XXXX XXXX |XXXX XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  Bank Credit Cards  XXXX XXXX XXXX XXXX XXXX, DE XXXX   BYMAILONLY||COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX|
Product: Credit card or prepaid card

Update to Case number :  XXXX   Citibank  did not close my account when I requested it in writing and has reported false information that I am disputing my balance. I have attached all my communication with  XXXX   XXXX   XXXX  that was not sent to you since her letter dated  XXXX . It was convenient and shady that all this communication occurred after the case was closed. I do NOT want to deal with  XXXX   XXXX  again. Her involvement was a waste of my time and did not resolve my formal grievance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was reported to the bureaus after coming to an settlement agreement that I was delinquent in payments although the payments were made. The account was paid in its entirety with second payment. Companies involved both claim no responsibility with reporting to credit bureaus. Account still remains as a delinquent collection after payment was received. It also shows it was settled and the account was paid in full not settled. The amount owing was {$560.00} and the full amount was paid, not a settlement.
Product: Credit card or prepaid card

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, the following accounts and inquiries on my credit report are fraudulent. I request that all accounts mentioned below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred XXXX currency to Venmo and proceeded to sell it. After selling it I noticed they were going to withhold my funds until XX/XX/XXXX. Prior to the sale I wasn't informed of this and immediately contacted support. Upon contacting support I was told they couldn't tell me why they were being held and that I had to wait the 5 days before I received it. Incredibly frustrated I contacted them 2 more times and they kept acting like I purchased it on there platform which I explained multiple times that I did not. They do not belong in the XXXX XXXX and repeatedly fail to notify users of their illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collections I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$28000.00} XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX  XXXX {$7700.00} XXXX  XXXX {$4300.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX {$570.00} XXXX  XXXX {$2500.00} XXXX   XXXX {$570.00} XXXX  XXXX XXXX {$470.00}
Product: Debt collection

Contact by Portfolio recovery regarding a account via XXXX XXXX. Requested original information to validate debt and document claim, non has been received. 

Portfolio recovery than engaged " XXXX XXXX '' to settle this claim. Written and verbal communication to XXXX has gone unanswered. 

I also requested said reporting to credit Bureaus be removed until which time this can either be validated or resolved without answer.
Product: Mortgage

I tried to refinance with my current Mortgage Company NewRez in XXXX of this year. They denied me because my condo was now worth XXXX which is XXXX less then I paid for for it in XXXX Upon being denied I opt out. Today I received a c all from NewRez telling me of the great rates. I opted out in XX/XX/XXXX and today is XX/XX/XXXX well over 30 days ago. It is clear that NewRez is not following the opt out rules for their customers
Product: Money transfer, virtual currency, or money service

Chase bank has racially profile me on XX/XX/year> I walked in a local branch asking can my XXXX check be deposit and could I open up a new account the account was open with no problem and my XXXX check was deposited that day the following day it was made available and I proceeded to try to withdraw funds they close my account and restricted it it is now going on 30 days and they are giving me a number to call to verify a XXXX check which they know and I know is valid and real my name address is on the check it was not a third party check so I don't understand the reason for the funds being held I have went to the branch several times and have been getting the runaround now I feel like I'm being racially profiled because I don't see anyone else having a problem with a government issue XXXX check why am I the one to have to verify a check after 30 days with you guys know is valid so basically XXXX has stole my money and holding on to my funds I have bills and rent. Due it has been well over 30 days which I know the check has came back verified by now so what is the problem racially profiled seems to be the problem here I have included a picture of the informal mail that it came to my mailbox 4 days after that I went to chase to open the account I have included a picture of my XXXX and my transcript which is showing the amount on the check my name on the check so I don't understand the problem the bank I'm have a problem with is located on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Chase bank the manager is the one who opened my account that's the crazy part I do not recommend this bank to anyone
Product: Debt collection

For more than a year the bank, wells fargo state that my PPP loan had not been forgiven after a review my SBA and that no further appeal was available. But today XXXX XXXX XXXX, Administrative Judge of the United States Small Business Administration Office of Hearings and Appeals stated On XX/XX/2022, the U.S. Small Business Administration ( SBA ) Office of Hearings and Appeals ( OHA ) received an appeal from XXXX XXXX XXXX ( Appellant ) challenging the Final SBA Loan Review Decision for the SBA Paycheck Protection Program ( PPP ) Loan No. XXXX. 
It appears that the instant appeal is premature. An appeal petition may be dismissed as premature if SBA has not yet issued a final loan review decision. 13 C.F.R. 134.1201 ( b ) and 134.1205 ( a ) ( 4 ). 
For these reasons, it is ORDERED TO SHOW CAUSE, no later than XX/XX/2022, why this matter should not be dismissed as premature. 13 C.F.R. 134.1201 ( b ) and 134.1205 ( a ) ( 4 ). 

In effect stating the bank aggressively collected on a loan, without standing and forged a decision letter after lying to this body repeatedly. 

If you need more evidence please see the files located at XXXX XXXX XXXX password occ There you will see more than 600 files that support the statements in the attached case. The file called unknown is the judges order.
Product: Credit card or prepaid card

XXXX XXXX very cheap terrible bank to work with I have been trying to dispute the unwanted charge to my account and this XXXX XXXX  refuse to do anything First they told their dispute department XXXX XXXX and confirms that the charges to my account was ledget then when I told them I will take them to court then they said their going to start the dispute again and that was lie it was just to buy time and toy me around they send me this stupid letter which I will include with this complaint They refuse to credit the unwanted charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax providing proper documentation from the courts stating that they do not verify bankruptcy. They responded back stating that they verified my bankruptcy with XXXX XXXX with is incorrect because I have documentation from XXXX XXXX that states they removed the bankruptcy off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX