23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Below are the details of our home loan from Ocwen Loan Servicing, LLC : Unpaid Principal Balance : {$420000.00} Original Principal Balance : {$430000.00} Escrow Balance : ( {$2600.00} ) Length of the Loan ( Months ) :360 Origination Date:XXXX Maturity Date:XXXX Interest Rate ( % ) :3.48738 We have NEVER missed a payment. We have been late two or three times, but have NEVER missed a payment. Summer of XXXX, we went through a loan modification with Ocwen. We were approved and our new monthly payments were to be {$2100.00} Our trial period began and every payment was made on time and 4 phone calls with our " Relationship Manager '' were made stating that the cashier 's check was mailed in. At the end of the 6 month trial period, which wasXX/XX/XXXX, Ocwen sent back one of our cashier 's checks. When we called to ask why, Ocwen said the loan modification was not signed, therefore null and void. We were shocked. We had no idea this was a requirement ( we had just signed and sent in all of the modification papers 6 months prior ) and we asked why we were not notified about this during any of these " relationship manager '' phone calls. Ocwen had no answer for that, they just said sorry and now we need to back pay {$16000.00}! We told them this was ludicrous and we needed to find another solution. I asked why we could n't just sign the paperwork? Ocwen claimed it was too late for that - federal rules and regulations. All of this because of a signature? And, you did not notify us? This seemed very underhanded and illegal. I asked what other solutions they had for us. Ocwen said we could try for another modification. We tried and were denied. When we asked why, they said because they could n't lower our payment by 20 %. I said we do n't need our payment lowered by 20 % - we are happy to continue paying what we were paying - in fact, we could pay a bit more each month. Ocwen said sorry. There was nothing they could do. I have called back three times looking for new solutions and have talked to a " manager '' but they just keep repeating the same round and round nonsense. Because we do n't want to lose our home, we made a {$7000.00}. payment and have to make payments of {$4200.00} a month for 11 months to get our " account current. '' We have tried to refinance, but here is the added salt to the wound - Ocwen is stating that WE HAVE 6 MONTHS OF LATE MORTGAGE PAYMENTS!! So, we have been turned down. I called to tell them this as well. I stated that they obviously do not want us as customers any longer and we are trying to refinance elsewhere, but they need to fix our credit history! Again, they said no and that they were sorry. I told them they were not sorry - how could they be? My husband and I went online and looked at all of the thousands of consumer complaints about Ocwen. From a recent XXXX XXXX article : Lawsuits allege mortgage servicer Ocwen 's mistakes cost some borrowers their homes XXXX XXXX and XXXX XXXX, XXXX XXXX Published XXXX XXXX ET XX/XX/XXXX | Updated XXXX XXXX. ET XX/XX/XXXX We are truly stuck and Ocwen is not helping us at all. They are just taking advantage of us and now we are trapped.
Product: Credit reporting, credit repair services, or other personal consumer reports

*** XXXX***Inquiry details ; XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX.- Inquiry from XX/XX/XXXXTelephone Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX Inquiry from XX/XX/XXXXFurniture, EtXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Motorcycles & Bicycle Sales/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX  Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle Sales/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Motorcycles & Bicycle Sales/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Furniture, Etc.

XXXX/XXXX  Inquiry from XX/XX/XXXXComplete Dept. Stores XXXX XXXX XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle Sales/XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies *** Transunion***Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXX/XXXX   Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX Bank XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank
Product: Credit reporting or other personal consumer reports

credit plus place and hard inquiry on my credit report that Im not aware of and I would like it to be removed immediately
Product: Credit reporting

Experian has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. XXXX has a 30 day late in XXXX that should have been removed by now. XXXX, XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? XXXX shows a late date in XXXX that should have been removed by now. XXXX, XXXX, and XXXX have refused all of my requests for validation and I feel that at this point it should be assumed that they have no proof because it has been so long.
Product: Credit card or prepaid card

Chase denied my claim for 3 credits owed to my account. Chase claims I was too late and that we are outside of the Visa USA timelines. However, per the research of my attorney, the Chase representative mistakenly applied the wrong timeline which does not apply in my situation in which we qualify for longer timeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$3900.00}
Product: Credit card

Credit card was stolen & used to charge {$1200.00}. Notified US Bank the next day. They said they would investigate & I've called almost every day since this happened on XXXX XXXX. On XXXX XXXX a police report was filed with the XXXX, XXXX police dept. and was assigned a case # XXXX. I gave this information to the US Bank fraud representative. 
Along with my US Bank XXXX XXXX, a XXXX XXXX card and a XXXX XXXX card were also stolen from my husband 's wallet. The thief immediately went to the local XXXX XXXX XXXXXXXX & charged {$1000.00} on the XXXX XXXX card and {$1200.00} on the XXXXXXXX XXXX card and {$1200.00} on the US Bank card. Since this is the same amount that was charged to my US Bank card, I assume the XXXXXXXX XXXX card was denied so the thief presented the US Bank card which was accepted. XXXX XXXX and XXXXXXXX XXXX have reversed the charges but US Bank refuses to. I sent a letter to the main office of US Bank detailing any and all information I could provide. A representative of XXXXXXXX XXXX XXXXXXXX called us the day after this happened to ask for exact amounts of the three transactions. We have not heard back from him. 
My husband & I are both almost XXXX XXXX XXXX and have never shopped or belonged to XXXXXXXX XXXX XXXXXXXX.
Product: Vehicle loan or lease

I ordered a XXXXXXXX Tesla XXXXXXXX XXXX on XX/XX/XXXX. I paid a {$250.00} deposit. I was leasing a XXXX XXXX XXXX, purchased on XX/XX/XXXX. My goal was to trade in the XXXX for the Tesla, which I received approval to do so from XXXX. I received a Trade-In Offer for my XXXX from Tesla for {$29000.00} on XX/XX/XXXX, good for 30 days and no more than XXXX addition miles being added to the vehicle. I had XXXX miles on the vehicle as of XX/XX/XXXX. On XX/XX/XXXX I received an email from Tesla saying that my VIN was available. I received another email on XX/XX/XXXX to schedule my Tesla delivery appointment, to which I scheduled for XX/XX/XXXX. I received a new Trade-In Offer from Tesla on XX/XX/XXXX for {$30000.00}. My payoff quote from XXXX was {$26000.00}, giving me a net trade-in value of {$4200.00}. I took delivery of my new vehicle on XX/XX/XXXX, signing all applicable documents to include the Motor Vehicle Purchase agreement, Delvery Declaration and registration documents. I opted to apply the {$4200.00} towards the loan which is being financed by XXXX. I noticed approximately 2 weeks after I took ownership of the Tesla, my XXXX account was still showing that I had an account balance an a payment would be due. I called and spoke with representative who told me Tesla had not sent them complete payment and still owed nearly {$10000.00}. I asked how much was quoted to Tesla to buy out my vehicle. However the rep refused to disclose this information to me saying he could not tell me that information. He assured me that I would not be responsible for the payment and suggested I speak with Tesla to expedite payment. I immediately called Tesla, where I was told that XXXX gave Tesla a quote of {$26000.00} to buy out my vehicle 's lease. This rep assured me that they sent a total payment. The next day, my account balance was resolved with XXXX. Today, XX/XX/XXXX, I received an email from Tesla 's finance department stating that I had an outstanding shortage amount on my trade-in account for my XXXX XXXX. I was requested to make an immediate payment of {$9900.00} or failure to pay would delay registration and send the account to collections. I have included all applicable documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an alert from XXXX XXXX about there is an inquiry on my report from XXXX XXXX, but I had not doing business with XXXX XXXX or any bank recently. So I called up XXXX XXXX and give them my name, address and social security numbers and none of the departments ( I got transferred to like 3 times within that call ) within XXXX XXXX was able to pull anything up. 

I also tried to contact trans union, but they said I needed to file a police report or a FCC report and send it to them for it to be removed. 

I later checked the full report and on there as following : XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXXXXXX XXXX XXXX Which only the name is close to my name, everything else I dont even recognize.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX 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 states : a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

First I would like to state that experian does NOT offer a way to dispute a credit inquiry. 
That being said, there are XXXX inquiries from XXXX XXXX still on my credit report, it is XXXX/XXXX/XXXX it has now been over 2 years and for some reason they are leaving it on here.as stated by experian in the image provided. Credit inquiries are supposed to fall off after 2 years, not 2 years 1 month not 2 years and x amount of days but 2 years. 

I suggest the CFPB launch an investigation into the legitimacy of the way experian does business. They are obviously skirting laws left and right. I ca n't retrieve my free annual credit report and had to use a free trial at XXXX to view my credit report from experian. See my other complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

They repossessed my car illegal. So they could keep selling the vehicle and kept my payments in XXXX so my vehicle would go into repossessed status and I called them and notified them of my change of address as well I never tried to not make my payment even if it was late. As well I have proof my car was stolen and it cost me a XXXX  so I could have caught up with payments. Ally financial group is some frauds and scammers
Product: Debt collection

This XXXX XXXX  XXXX debt was not owned by me. I attempted to get hold of XXXX XXXX XXXX at the beginning requesting they get rid of this debt as it was not mine. I have a phone with XXXX and I informed them. I did not have a phone with XXXX XXXX XXXX niether an account to where i owe XXXX. They ignored my request by phone. I then requested proof of debt. They did not answer my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Product: Checking or savings account

Hi, i have got fraud on my chase account and some how the bank refunded me the money past XXXX money from all the transactions via check and after i got it and deposited and bank closed my account saying that too many fraud reported
Product: Debt collection

Wells Fargo reports a closed account to all 3 consumer credit agencies as a charge off on my credit report even though they collected full balance payment from me on XX/XX/XXXX. 

I've requested they change the charge off status and report it accurately as paid but they insist on keeping the reported status of charge off because it's how it was initially reported. They said the fact they collected full payment after their initial reporting doesn't matter because it came after the original reporting. 

I believe this is inaccurate reporting of key facts and they maintain that status to persecute me for past missteps. It has been 3 years since final payment was made and in that time I've been denied credit from numerous creditors as a result of this reporting status. They're intentionally causing me financial harm.
Product: Checking or savings account

On the day I was paid, XX/XX/2023, I tried to log in to my account to transfer my rent money, and I was not able to log in due to my account being locked. I called in and tried to get some type of understanding, and the associates were rude and hung up on my face every time I called. I have never experienced this type of customer service from an institution like this before. They told me my account was being investigated and they had no other information. I lost my purse and my account was stolen and I disputed the charges, I have never used the account for anything else. They put my account in the negative after the matter was already resolved months ago. When I called today before the woman hung up in my face, she was saying my account was in the process of being closed and all of my money is currently in this account. They have put my account in the negative to {$1700.00} and over {$3500.00} was deposited into the account from my check. My account was in good standing with {$750.00} in it before this happened on XX/XX/XXXX. I received no notice about any of this besides them sending me an email saying that my telephone banking pin was changed and I have not changed anything, then they sent me an email stating they suspected suspicious activity on my account on XX/XX/XXXX, which doesnt make sense because my account has been locked havent even been able to log in.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21, I disputed a few items on my credit report. I sent in a letter disputing these items ( see attached ). In that letter, I stated that I do not consent to online delivery of my results. They notified me via email that the disputes are complete and I can access my results online. Clearly this is wrong since I stated that I do not connect to online delivery of my results. Upon reviewing the results, they state that the items were updated. They clearly have not been updated and have all of the exact same information in the previous reports.
Product: Debt collection

I was a victim of XXXX trading for 8 years! I finally got my life back and all these charges and cards are not my fault or mine at all! 

Discover Bank XXXX Bank XXXX XXXX finance
Product: Money transfer, virtual currency, or money service

As of XX/XX/year>, I was supposed to receive my direct deposit early in the morning. My paystub said I was supposed to receive a total of XXXX but I havent received it until the night of XX/XX/year>. Phone lines were busy to even reach a representative and this took a toll on me being unable to pay my bills and getting to work.
Product: Checking or savings account

I had an IRA with the company XXXX, they moved my account to Citibank. Citibank never reached out or send any documentation on the account that had funds rolled over. Even though, they had my current address, XXXX, phone number, email, and full government name. I reached out to withdrawal the funds and closed the account. They told me I had to mail an application, identification, and address verification. I went into the branch to see if it was a quicker solution/process. XXXX of the branch members sent out all of the documentation XXXX months ago. XXXX weeks later I reached out to Citibank to get a status and to withdraw the funds and close the account. They told me they did not receive any documentation and I would have to mail it again, or fax it, or have the branch member reach out to them. I faxed it, and the branch member reached out to them. As of today, they are saying they still do not receive any documentation even though, I have the receipt of the fax successfully going through. They would not let me withdraw my funds and close this account. This has been the longest process I have ever had to go through with a bank and I just want my funds.
Product: Debt collection

XXXX XXXX XXXX contacted me and represented themselves as Navient, the original loan holder on XX/XX/2018 with the WRONG amount of my loans.

1. Total amount of loan was incorrect ; they supposedly 'double ' checked but they were correct.

2. I thought I was working with someone from NAVIENT, the lender. Now they documents they are sending me, show a different name as the COLLECTOR. 

Please help me, I will end up homeless. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit card

I fully paid off my account and now have a credit balance of {$120.00}. On XX/XX/year>, I contacted the company to request a refund. The representative confirmed my credit balance and assured me that a check would be issued within XXXX business days. However, I have not received the check. I followed up on XX/XX/year>, this time using the automated phone tree to request the refund, but I still haven't received it. The {$120.00} credit is still showing on my account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its has been since XXXX XXXX XXXXXXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to EXPERIAN. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau , EXPERIAN. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts 1. XXXX XXXX XXXXXXXX and 2. XXXX XXXX XXXX XXXX Unauthorized Inquiries 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. EXPERIAN has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Debt collection

I received a text and email and phone call from a company calledTrue Accord identified themselves as debt collector. The debt was for a XXXX XXXX under XXXX. I investigated this and filed a dispute and proved I sent the order back to XXXX. Today XX/XX/2023 a person from True accord sent me a very stupid message in response to my proof.. I dont know what this XXXX XXXX means but his way of communicating is ridiculous. I have attached his response where he calls me dog?