23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To : Ocwen Loan Servicing, LLC / Complaint DepXXXX. 
Hello : Am behind on my mortgage and I was try make a payment but your staff said that since I was 89 days behind they could not take a payment, so I ask them where in the paper I sign did it say that, none of them could answer my question. Your Company Fill there mouth that are here to help, but thats not true. Instead you would rather see me go into foreclosure then trying to help me. I waiting for my XXXX hearing inXX/XX/XXXX, so am hanging in there trying to make my payments and all I get from Ocwen is we cant help you because we have a policy that after 89 days we cant take payments. But none of the people I talk to from your company couldnt show me were dose it say that on my papers that I sign. I feel that you are not acting in my best interest and really want to take my home away from me after 33yrs living there. It is really sad how your staff and your policy are forcing more people in foreclosure. But the good news is that am going to fight you all the way and get some legal help to see if I can sue Ocwen for there way they are acting about not take my payment after 89 days which is not in my contact of the papers I sign. I hope we can get this problem settle and avoid legal action against Ocwen for not disclosing information of there 89 days of not taking payments and then send your loan for Foreclosure. Here are the employee I spoke with Bage ID # XXXX, # XXXX and a person name XXXX that works with my Relationship Manager. I really Hope that we can take care of this problem and really see you trying to help me in times of trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
4. 15 US-CODE 1692XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.
Product: Checking or savings account

I'm a victim of ID Theft starting on XX/XX/2017. It took me a while to notice illegal activity on my account after I work at home for a former employer who used my identity to have an access to my Checking, Savings and Credit Card accounts with Chase Bank.

I suspected that my former employer used my SSN, my name and my checking account that was on the direct deposit form that I filled it out for direct deposit paychecks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently ( XX/XX/XXXX ) I applied for a home mortgage loan with XXXX Mortgage. In the process I was informed that I have a collection balance of amount {$140.00} reported on my credit. Firstly I am not sure where it came from and for the past three months I was working with my mortgage officer to figure out what it is and how to resolve it. I had a lot of hospital bills and I used to clear it off as and when required. I remember paying all of my bills around XX/XX/XXXX. Not sure about this debt and I need more information on the same. I tried to contact the collections company several times but no luck. I sent them mails twice ( on XX/XX/XXXX - First class mail and on XX/XX/XXXX- Priority mail the second time ). There is no response yet. I feel that I have been patient enough in waiting for a response after multiple attempts. I am helpless now and not sure what to do. My credit score is down for no reason and I am in a situation to pay more monthly mortgage which is totally unfair. From what I have researched so far, to the best of my knowledge I think this is a UDAAP violation. Looking for support.
Product: Debt collection

Was contacted on my cellphone from a company FBCS : FBCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, Pennsylvania XXXX Web Address : www.fbcs-inc.com Left a voicemail initially, saying that I had to re-pay a debt. Called the return number ( XXXX ) and person on opposite end asked for my tel #. Upon providing, he mentioned that the debt was for someone else and not me, and that my name will be removed. I want to make certain that my name is removed, and I want to understand how my name was on this list in the 1st place.
Product: Vehicle loan or lease

In XX/XX/XXXX the vehicle was repossessed by Santander USA, and sold. It was reported to my credit bureaus that the remaining balance was {$18000.00} after paying on it since XXXX. I never received a letter showing how much the vehicle was sold for, nor did they show any deductions for this. I have disputed this information directly with Santander, and they sold the debt to a debt collector. This has made my credit worthiness decline, and has caused a great deal of financial strain. Please resolve this issue between me and Santander USA.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction were authorized. However, due to delayed postings of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by navy federal credit union, where transaction settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that I've been a victim of identity theft and for numerous credit inquiries that I have no knowledge of, here are the inquiries that I found 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 XXXXXX/XX/XXXX, PLEASE remove these fraudulent inquiries from my credit report! I also attached my identity theft report as well!
Product: Debt collection

I have disputed these accounts with the credit bureaus and First Federal Credit Control because they appear to be duplicate accounts. First Federal sent me nothing to validate the accounts, and continue to report the disputed accounts, both of which violate federal law. They are reporting duplicate information on my credit report and they are flagrantly ignoring my disputes! Please help me!
Product: Credit reporting or other personal consumer reports

XXXX XXXX accounts XXXX XXXX XXXX Credit Acceptance Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of Estoppel by Silence ; Engelhardt V. Gravens ( mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 700+ credit score but I get denied for everything because they won't unlock my credit file. 

Also I have wrong phone # s and addresses reporting that are causing me to get denied. 

I would like all phone numbers removed except for : - ( XXXX XXXX XXXX XXXX Please make sure these addresses reporting - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX To Whom It May Concern ; I need clarification as to why are. you reporting certain information on my credit report. Please review the following : Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX  YOU ARE REPORTING THESE ACCOUNTS AS CHARGED OFF YET, YOU ALSO REPORT A MONTHLY PAYMENT! DELETE ACCOUNTS IMMEDIATELY FOR INACCURATE REPORTING. 

After you finished my request, send me a copy of my credit report reflecting these changes. 

Thank You, XXXX : XXXX
Product: Credit card

Requested increase in credit limit. The limits were approved without regard to income debt ratio. They approved debt without regard to whether it was feasible for me to pay back. Now I 'd like to move debt / consolidate to lower interest products and am unable to because all companies say my debt to income ration is too high. I 'm stuck with too high of a credit balance with an enormous amount of interest rate with no possibility of moving to lower interest products. It will take me 39 years to repay the credit balance if I continue to pay the minimum balance which includes high, ridiculous, and unfair amount of interest and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank incorrectly coded my credit card account as having been included in a bankruptcy filing that was not mine and then erroneously reported this information to XXXX in XXXX of 2017. As a result, my Citibank account was frozen and my credit report for XXXX  showed that my account was included in a bankruptcy, which is incorrect. After several weeks of phone calls with Citibank, and explaining to various representatives that I had not filed a bankruptcy, I was able to get the name of the lawyer listed on the bankruptcy filing they were attributing to me. The lawyer, who is located in Wisconsin ( I live in Virginia ) confirmed that the bankruptcy filing was not mine, but was for an individual with a similar name and social security number to mine. I was able to get the lawyer to submit a letter to Citibank indicating that the information they were using/reporting about me was erroneous. Eventually, after many weeks, Citibank finally accepted responsibility for the incorrect coding of my account. At that time, I was told by Citibank that my only choice of action was to pay off my balance, because my account was now closed and could not be reopened. I paid off my account balance immediately and my balance is now XXXX and the account is listed as closed. However, the erroneous information from Citibank remains on my credit report for XXXX and has resulted in a significant decrease in my credit score. I filed a dispute with XXXX, but the only resulting action was to add a note that I disputed the information. It is important to note that at no time have any public bankruptcy records been added to my report, because I never filed for bankruptcy, now or in the past.
Product: Debt collection

I have never signed anything with Porfolio Recovery Associates, LLC. They haven't showed me anything. I am being harassed and people have been knocking on my door said they have legal court documents.
Product: Checking or savings account

Chime Bank has closed my account for absolute no reason. 

I have banked with them for 3 years and out of nowhere received an email stating my accounts were closed. I called and was told to send an email to customer service in which I did, a rep emailed me back and said someone will follow up with me. I havent heard anything back, now i am left with no bank account and no money for no reason.
Product: Mortgage

I have a home equity line of credit with Well Fargo. I have had this loan for a long time. The total line of credit is XXXX. My outstanding balance is XXXX. Wells Fargo 's monthly payment request is for XXXX. I have been paying XXXX each month for a long time, so I can pay down the loan more quickly. There are some months I skip a payment, but because of my usual monthly higher payment, that has never been a problem. I skipped the XXXX 2015 payment, and now I am being charged a XXXX finance charge, despite the fact that I am ahead on my payments. I do not think this is fair to me. Also, I have been notified that my account is " restricted '', due to this skipped payment. Again, I feel this is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX DOB : XX/XX/XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$13000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$770.00}
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and see there is inaccuracy on my file.Ive previously disputed this account and it remains on my file.The accounts was charged off on the following dates : XXXX  XX/XX/year> Account # XXXX And XXXX XXXX XXXXXX/XX/year> Account # XXXX. Since then the accounts have been repeatedly updated as a charge off for several months. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these accounts properly and your neglect has violated my rights. I am demanding the deletions of the following accounts reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to AMERICAN EXPRESS because I am having difficulties with buying a house and applying for new credit cards. I paid the XXXX account and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting AMERICAN EXPRESS company to remove this account from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Debt collection

The Orion Group first called me the summer of XXXX. I do not recognize the debt, and asked for validation of the debt in writing. I havent received anything. They continued to call and I again, asked for anything written with my signature of authorization of any kind. I then asked for all communication to be in writing and not to call me again. They have not complied. They called several times after and when I spoke to the supervisor I told them only written communication because I could tell at this point its a possible scam. They called my work number and then today ( XX/XX/XXXX ), they called again. I AGAIN asked for validation of the debt ( still have never received anything ), and was told to SHUT UP. I was going to be on house arrest. Im getting sued, etc. XXXX XXXX continued so speak over me, telling me Im just refusing the debt, etc. He also said Im being sued as soon as this pandemic stuff is over with. 

I am not refusing any debt, I do not recognize it. I kept telling him he was not to call me, I have said that repeatedly, and they are not complying. I looked up their number and everyones name is XXXX XXXX and they use threatening and abusive language. They are blatantly breaking federal laws and this should not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/202XXXX XXXX
Product: Prepaid card

The company closed my account on XX/XX/XXXX. I had funds on a prepaid XXXX  card provided by the company and I requested that the funds remaining on the account be refunded to me. I have requested many times and they continue to not issue me a refund for the funds that were loaded to my prepaid card at the time of closure. I sent requests to be refunded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I used a 0 % Balance Transfer check offered from my Chase Amazon account ( XXXX XXXX XXXX XXXX ) in the amount of {$6000.00}. On my statement ending XX/XX/XXXX, the 0 % Transfer Amount was included in my " Interest Saving Balance. '' The interest saving balance is calculated for the amount needed to pay off expiring merchandise with a % 0 interest for six months Equal Pay Offer. I believe the {$6000.00} Balance Transfer should not have been included in the Equal Pay Offer balance as it was interest free until XX/XX/XXXX. 

On XX/XX/XXXX, I made a payment of XXXX which satisfied the minimum payment amount due. I also made a {$600.00} payment on XX/XX/XXXX. I had chosen an automatic Minimum Payment draft, and these payments, having satisfied the minimum payment, should have completed all payments for the month, as has been the policy in all other months. 

Instead, Chase used the Automatic Minimum Payment option to place a withdrawal demand from my bank in the amount of {$5900.00}. As I did not have that amount in my checking account, I was charged {$27.00} return check by Chase and {$27.00} dollar return check fee by my bank. 

In addition, payments made after the processing of the Balance Transfer check have been used to reduce the Transfer check balance. The {$6000.00} balance for the Transfer Check due in XX/XX/XXXX has a calculated balance of {$4900.00} as of the XX/XX/XXXX statement. Because of the payments to the Transfer check, we no long have credit available for normal and customary charges as payments have not been used to pay down our interest bearing charges. 

On XX/XX/XXXX, I received another demand letter from Chase in the amount of {$5900.00} to satisfy the unauthorized auto-pay from my banking institution. 

In summary : Chase included an interest free Transfer Check balance, that is not due until XX/XX/XXXX, as part of an Interest Saving Balance payoff amount due in XX/XX/XXXX. How can an interest free transaction be due before the payoff date? 

To satisfy the calculated amount in error, Chase made an unauthorized draft in the amount of {$5900.00} on XX/XX/XXXX. This unauthorized draft resulted in a returned check fee of {$27.00} from Chase and {$27.00} charge from my bank. 

On XX/XX/XXXX, I received another Demand Notice from Chase to pay {$5900.00} to satisfy an amount not due until XX/XX/XXXX. 

Chase has allocated payments received to reduce the lowest interest charges. 

Chase bank is unable to accept secure messages on issues other than the menu of options available. Due to long wait times, phone calls are disconnected if they are over the time allotted for phone calls. Scheduling a call is not available. At this point, I believe the CFPB is my only recourse in resolving this problem. 

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

I am writing to file a formal complaint against Experian, a consumer reporting agency, for its persistent failure to correct inaccuracies in my credit report, specifically related to non-deliverable addresses. This matter was initially brought to Experian 's attention in a letter dated XX/XX/XXXX. Subsequently, I submitted a complaint to your agency on XX/XX/XXXX. Unfortunately, as of XX/XX/XXXX, no action has been taken by Experian to rectify these inaccuracies. 

Experian continues to break the law. 

The inaccuracies in question involve non-existent addresses that are also incapable of receiving mail through the U.S. Postal Service. As a result, these inaccuracies not only compromise the accuracy of my credit report but also violate the Fair Credit Reporting Act 's ( FCRA ) mandate for accuracy, fairness, and the substantiation of reported information.
Product: Credit reporting or other personal consumer reports

I recently take a look at my credit report and noticed some inaccuracies on my account. This is account is hurting my ability to obtain, it's my understanding you will investigate this items to ensure full accuracy. Here 's the items I am asking you to verify as accurate. 


XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is inaccurately reporting a late payment on my account that is allegedly more than 30 days past due. However, there are discrepancies in the reported dates across the XXXX major credit bureaus : Equifax : Reports the late payment as occurring in XXXX of XXXX  ; XXXX : Reports the late payment as occurring in [ Different Month ]. 
XXXX : XXXX the late payment as occurring in XXXX of XXXX. 

These discrepancies are affecting my credit score and misrepresent my creditworthiness. my account was never more than 30 days past due. 

I have previously contacted XXXX XXXX to address this issue, but they have not corrected the error. Additionally, I have filed disputes with each of the credit bureaus, but the inaccuracies have been verified without proper resolution.
Product: Vehicle loan or lease

Ally financial refuses to release my payment history and XXXXXXXX XXXX XXXX statement. Ally financial has blocked my online access which enables all consumers to access their payment history and statements. I have contacted them Ally for 6 months, and have been ignored. The above mentioned is a violation of State and Federal law. Ally is a corrupt financial institution. I have never encountered such an abuse of disregard for consumers, and I'm a repetitive customer of Ally 's. This is how they treat repeat customers.