23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate and inconsistent reporting of negative accounts across the three major credit bureaus ( TransUnion, Experian, and Equifax ). These accounts contain discrepancies in balance amounts, payment statuses, and reporting dates, violating the Fair Credit Reporting Act ( FCRA ). The following accounts should be removed due to unverifiable and inconsistent reporting : 1. XXXX XXXX ( XXXX XXXX, Account # XXXX ) ** Different bureaus report conflicting late statuses ( XXXX days late vs. XXXX days late ) and inconsistent past due amounts ( {$820.00} vs. {$50000.00} ). 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # ) * This account is missing from TransUnion but derogatory on Experian and Equifax, with inconsistent reporting of payment history. 
3. XXXX XXXX XXXX ( Collection, Account # XXXX ) ** This collection account appears on Experian and Equifax but not TransUnion XXXX with differences in status ( charge-off vs. late XXXX days ). 
4. Source Receivables ( XXXX XXXX, Account # XXXX ) ** TransUnion lists this as open while Experian and Equifax report it as closed. Equifax also includes a remark that the debt is unsatisfied, which is not stated on other reports. 
5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) ** This collection appears on TransUnion and Experian but is missing from Equifax XXXX 
6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) ** This account is only listed on TransUnion XXXX raising concerns about its validity. 
7. XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX ) ** TransUnion reports it as open, while Experian and Equifax report it as closed. Equifax also adds a remark that the debt is unsatisfied, which is missing from the other bureaus. 

These discrepancies indicate a failure to ensure accurate reporting. I am requesting a full investigation into these accounts. If the furnishers can not verify their accuracy with consistent documentation, I demand their immediate deletion from my credit reports. This incorrect reporting has caused significant harm to my credit standing, and I seek resolution under the FCRA and Fair Debt Collection Practices Act ( FDCPA ).
Product: Student loan

I am a mother and co signer of my daughters private student loan of {$65000.00}. When she XXXX the job choices and pay were below the standards of what she expected to make. With a XXXX degree XXXX she is only making {$11.00} and hour. Living in XXXX XXXX the cost of living is high and she can not afford to live and eat as well as pay a {$500.00} payment to Naviant. We are disappointed and angry after calling numerous times to see if they can work with her to make it possible to pay less. My daughter and I both are experiencing financial undue hardship because of this. We are considering defaulting and just walking away.. The new name Naviant use to be XXXX XXXX. They refuse to budge or work with us. They will take the chance of getting nothing $ $ from us ...
Product: Checking or savings account

I had to federal refund deposited into this account. The IRS stated that my funds were sent on XX/XX/XXXX, and I have yet to see my XXXX dollars. I continue to get the run around and blame placed elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent a year in XXXX my information was stolen by XXXX XXXX XXXX in the country including my passport. The group cloned my phone and created fake credit cards and debit cards and made many transactions I was unable to report the information because I was still in the country and the threat of violence was a constant and I was under duress and my coworkers also so even leaving the country and reporting the issues was life and death. I had my apartment broken into and had my computer and other personal items stolen which I reported to the local police in XXXX and I asked them to use discretion because the perpetrators are unknown. I reported everything when I returned to the United States and my coworkers were all back on American soil. My bank NAVY FEDERAL denied my claim and refused to return the money and credit my credit card accounts. They returned some money to my personal account of {$560.00} but denied all the bigger claims even with police reports and emails from the XXXX  Attorney General. I have provided all the proof that is available to me as a XXXX citizen in a foreign country. Navy Federal Bank is not alerting me to why they are denying my claims until I have to keep calling for answers. This is an ongoing problem with the bank ive learned through various social media sites. The incident began in XXXX of XXXX, They were alerted to the situation when I returned to the United States and to help track the stolen money I had to hire a private XXXX. The supervisors of the fraud department agree with my evidence and don't know why the claim keeps getting denied and this can be verified with the tapped conversations. Also, the investigator is not reading the emails that I keep sending because they are responding without reading the information and making various mistakes. I fear I will lose my money in retaliation. The investigation has been ongoing since XXXX of XXXX it is now XX/XX/XXXX 2023
Product: Debt collection

XXXX XXXX XXXX ( 01 XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I have never been in association with this company. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through by someone other than me through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Mortgage

Mortgage was sold to another mortgage company. 

New mortgage company starts deducting second payments by autopay from my bank account. They are taking 2 payments for 1 month
Product: Credit reporting or other personal consumer reports

XXXX : I pay to get XXXX credit agencies. They show Equifax XXXX pts lower and show Equifax reporting late pays and collections. 

On Equifax site they are XXXX pts lower than other XXXX but not XXXX.. And They do NOT show any derogatory history. ( I had disputed with all XXXX agencies and had removed in XXXX. I have NEVER had a late pay or collection ) so no idea why XXXX XXXX lower BUT issue is if go direct on Equifax site no derogatory.. access Equifax through XXXX XXXX .. XXXX XXXX XXXX XXXX then Equifax shows collections derogatory and low score.

Creditors and employment have reported I do not qualify due to Equifax. Stating they take combined score and XXXX? I can not get employment or loans due to this. 

I contacted Equifax about score showing on all other sites. They said contact the other sites not our issue. 
I contact XXXX they say contact Equifax thats what they reporting. I contact XXXX they say dispute XXXX agency and denied. 

I re dispute XXXX Equifax and they say? 
( Honestly Who knows the decisions and actions are like deciphering code. ) Appears they said., nothing derogatory on your account. Dispute info not on account, Bottom line when Equifax is pulled it shows inaccurate information that is not shown on their site
Product: Prepaid card

im had XXXX on a prepaid card that expired on XX/XX/23, i asked the company to reissue me a new card, and they refused, stating that my XXXX was forfeited.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the police report of the ftc violations please remove the ftc violations XXXX  chase XXXX  XXXX 4 late payments were b/c of the ftc violations If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

which they all did and in violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is still reporting on my credit report when it was supposed to be removed XX/XX/2021.
Product: Debt collection

I am a victim of Identity theft, the creditors continue to harm my credit profile reporting information that does not belong to me and is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

They continue to lower my score over XXXX singular issue which is still in dispute. They have dropped my score from 800+ to XXXX  over false information. The account was closed and settled. XXXX refuses to provide me with a valid way to contact them. The phone numbers provided do not lead to anyone and I have already spent hours trying to fix this. The charges were incorrect to begin with.
Product: Mortgage

CFPB COMPLAINT XXXX XXXX XXXX XX/XX/XXXX This is regarding my residential Mortgage Management company for XXXX XXXX XXXX XXXX XXXX AZ XXXX. This loan was originated in XX/XX/XXXX by GMAC and transferred to them ( Ocwen Loan Servicing LLC ) a non bank mortgage servicer in XX/XX/XXXX Ocwen Loan Servicing LLC consistently refused to talk to me about lowering finance rate of 7 % FOR 9 YEARS.. They have a history of charging improper tax fees ; mishandling client mortgage payments and collections foreclosures. I was left out of XX/XX/XXXX major lawsuit, allowing customers to fix these problems due to lack of proper settlement notice. I now have 10 years of widespread errors, shortcuts, and runarounds. I urgently need to get my over charged interest rate lowered from 7 % to 4 % and I wish to have at least {$20000.00} of the {$62000.00} interest over paid, converted to the remaining principal of {$56000.00} as my settlement. This would be fair since I was left out in XXXX and reduce would my loan to {$36000.00} on an aging XXXX Double wide trailer home in a rural XXXX XXXX Arizona community near XXXX. Ocwen Loan Servicing LLC is currently under for investigation for THESE same types of problems addressed by the XX/XX/XXXX LEGAL SETTLEMENT, in a current XX/XX/XXXX lawsuit. I am a XXXX senior citizen on a fixed income, left out of this XXXX LEGAL SETTLEMENT. It is imperative that I receive CFPB DIRECT assistance in helping me deal with this. This is not a mortgage company. Ocwen Loan Servicing LLC is only a collections company, damaging good loans paid on time like mine. My XXXX XXXX XXXX loan was originated in a XXXX real estate bubble with GMAC acting as a Low Interest Loan rural provider. My Residential Home loan was transferred to OCWEN LOAN SERVICING LLC, without my consent or approval. OCWEN LOAN SERVICING. LLC, has recently contacted me urging me to refinance my loan with a Texas Mortgage company, the typical pre-foreclosure maneuver, obviously trying to get me off their books. Their failing Management Software operating under a separate Company, XXXX XXXX XXXX, will scramble my payment history of on time monthly payment like many others and may ruin my credit I have asked them for assistance in lowering my HIGH 7 % interest rate but I am very fearful of their practices, as documented fact in the XX/XX/XXXXSettlement. When a person with a Residential Loan asks for OCWEN help, OCWEN/XXXX  were found guilty of Data Base records losses and sudden swift foreclosing on many Residential home loans. Summary : The companies that I speak of are OCWEN LOAN SERVICING. LLC -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. -XXXX XXXX XXXX ( XXXX ), Delaware based Ocwen LLC Forclosure manager -OMS Ocwen Mortgage Services Business Location : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX USVI Established
Product: Vehicle loan or lease

In  XX/XX/XXXX , I was approved for a  Car Loan wi th  Santander  Bank. Started making the payments and received statements copies on my mailing address every month. Payments were set up as Auto Pay so the loan was paid automatically from my checking account on the  XXXX  of every month. This loan was open and in good standing for 1 year and 4 months, no late payments at all. Santander has n't report any of my payments and account closed to all credit bureau and this is affecting my credit as I tried to refinance my card with another bank and they were not able to find this information to give me a better APR. I 've been contacting  Santander  since  XX/XX/XXXX  for this information to be added to the credit report and they promise to do so. The excuse they gave me every time I followed up on this was that my last name was too long. I explained to them that I have business, loans and credit card with a tota l of 7 banks a nd they all report to my credit bureau with the same long last name. Today,  XX/XX/XXXX  they still do n't report anything and the last time I called which was 3 days ago, they told me that they can not report this information anymore because the account has been closed for over 60 days. I made a total  of 7 calls to get this  corrected and never happened.
Product: Vehicle loan or lease

M & T bank. Is refusing to fix a problem too which is affecting my credit and my financial situation I had a vehicle loan with this institution to which was paid off as of XX/XX/2022 they owe me overage funds of {$280.00} to which they voided the check that they sent meWhen I went to cash it I have the lien release paperwork and I was told when I went in through a bank by the bank manager that they reopen the account due to a balance too much the balance was {$47000.00} and I pay {$50000.00} I need this matter resolved immediately I will be seeking legal compensation and at this moment and then see is doing fraud and its a big problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX POST XXXX XXXX HAS VIOLATED MY RIGHTS 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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Over the past few months, my mortgage company, NationStar, changed their name to '' XXXX XXXX ''. The shortly after, I received a notice that my mortgage ( which has a " fixed '' interest rate XXXX, was going to be going up by about XXXX, due to changes in the escrow account. I did pay XXXX 's mortgage at the increased rate because I had not had time to call them to get more specific information about the increase, but I did not want to be late with the mortgage in the mantime, so I paid it. I finally had time to call this evening, and reached a customer service rep who was very uninformed and struggling to tell me specifically what had caused the increase. Frustrated, I asked for his supervisor. After a long conversation with supervisor during which I had to press him quite a bit for reasons and explanations, it came out that around XXXX of the increase was due to an increase in taxes and/or insurance in my escrow account ( which I will verifywith the town and my insurance company ), but that the remaining approximately XXXX charge per month was an additional hedge against possible future increases in taxes and/or insurance. When I objected strongly that this did not seem reasonable at all, he finally let me know ( for the first time ) that this was actually optional and I could opt out. So somehow I went from a " shortfall '' to a surplus and now they will be reducing the monthly charge by XXXX and send me a refund of approx XXXX This whole thing was done is a very cagey and shifty manner. Had I not pressed to speak to a supervisor and also pushed back pretty hard and asked lots of questions about the additional charge, I never would have found out what it was or that it was actually optional and I could get them to take the charge off. This, I learned from a relative in the mortgage business, is not acceptable practice at all and possibly breaches certain regulatory requirements. He urged me to report it to you. This relative said, " Nationstar ( now XXXX XXXX XXXX has had issues in the industry with regulatory compliance, including XXXX. They may not be outwardly trying to commit fraud but their data integrity has been criticized enough by regulators to be fined, and you may be experiencing an impact to their data quality issues. Clearly their customer service stinks too. " Please note : the name of the supervisor that I spoke with is XXXX XXXX, or at least that is the name he gave me.
Product: Consumer Loan

Company continues to charge excessive fee 's citing that I do not have car insurance after proof of insurance was provided. And no agreement was entered with me to maintain full coverage insurance. However I have provided them with proof of insurance.
Product: Debt collection

I recently received a notice from the Security Credit Services LLC on approximately XX/XX/2021 with a stated current balance of {$16000.00} which originated with XXXX XXXX, XXXX on the financing of an XXXX XXXX with XXXX by XXXX. 

Due to the COVID-19 pandemic last XXXX, I was put out of work for the entire year on account of being a non-essential worker. I received no notification from XXXX XXXX concerning the acquisition of my debt by Security Credit Services and when contacting the prior business, they said it was out of their hands as my account had already been acquired ( again, with no warning or any type of indication that my account was at risk of being collected ). When contacting the latter company concerning my debt, I have contacted them via phone for the past two weeks with messages left to no avail and they are notoriously known for being extremely unprofessional in matters of communication. 

This was a majorly poor handling of communications on part of both companies, both of which do not provide clear answer on how to proceed or rectify this situation. I feel severely slighted and taken advantage of as a consumer and as a client - especially in the fact that I was not notified or given any warning in the passing of my account to debt collectors. It is as if this company took advantage of the ongoing pandemic to further exploit its clients in a time of national economic turmoil.
Product: Debt collection

I have received # 2 calls from XXXX with no voicemail left. I also received a letter in the mail stating this debt in the amount of {$73.00} was due immediately as it was past debt. I looked the number up and found this company, identified as a debt collector. I have record on two separate days where Ive tried to contact this company to no avail. The number provided always leads to a dead link or the phone line continues ringing for 5-10 minutes. There is another number XXXX but this number has the same issues as the first. Requesting this account be re-investigated according to the FCRA, please and thank you.
Product: Checking or savings account

i have capital one investing account i was not able to open my trading account on morning of Friday XXXX XXXX 2017. It opened only once or twice and i was able to place one trade ( sell XXXX put ). But overall it was very inconvenient. I tried my cell phone app as well as multiple browsers. 

I called capital one help line twice and had to hang up as no one answered my calls even after waiting for more than 10 minutes each time. I emailed capital one and they told me to call back. I replied and told them to call me as i had not been able to talk with them i pay top dollar to capital one for their service and i expect better. Moreover this is second incident in last few weeks. Something similar happened few days back the losses that i incurred are below. 
1 ) Couldnt sell my orcl put on time. It cost me at least {$50.00} per contract and i had 12 contracts. So total loss {$600.00}. I was able to sell XXXX puts when XXXX  was at XXXX, when i wanted to sell them when XXXX was at XXXX 2 ) Could n't sell stock - carb, syx and unt on time. I lost {$100.00}. I wanted to sell Carb when it was at XXXX. I ended up selling it when it was XXXX 3 ) Frustration and tension i lost {$700.00} because of capital one and i feel that capital one should compensate me for the same and ensure that I dont face similar issues in coming days. I have huge number of Micron options and i dont want to face any losses due to Capital One 's in efficiency let me know what you could do for me and please ensure that consumers dont face similar issues again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 Is The date the three credit reporting bureaus are falsely reporting a chapter XXXX bankruptcy on my report. I have had fraud with my identity stolen in the past. I have called XXXX and they have verified no such bankruptcy was filed in my name. I have tried and submitted evidence to all 3 bureaus and have been informed by the bankruptcy court that they do not verify information for the 3 credit bureaus so therefore that is false information they are saying had been verified. Thank so much for any help. XXXX XXXX