23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

my complaint is against ocwen mortgage. I refinanced my loan XX/XX/XXXX. at the time I did not have my taxes and insurance escrowed. I sent the required documentation to get my taxes and insurance escrowed. this year I receive a late notice from the tax assessor. I call ocwen to find out whats going on since my statements clearly show that money is escrowed for taxes and insurance on my statements. first call states I do not have an escrow account, second call ocwen states I only have insurance taken out. I call my insurance company and sure enough they have not been paid. third call to ocwen I am told the money escrowed was for an advance on the insurance from the previous year. I never asked them to advance anything just collect taxes insurance for an escrow account. they claim they sent me a letter stating my escrow account was originally denied. I never received this letter nor did I ever ask for any type of advance on the previous years insurance. I was under the assumption that my taxes and insurance were being escrowed once the escrow started. in addition when I asked to speak to a supervisor I was told XXXX the supervisor would call me back. when I asked for his extention I was told I cant have it. it takes at least a day or two for ocwen to call me back each time I leave a message. I constantly keep getting different answers from them regarding the escrow account. I am not even allowed to speak directly to the escrow department. I am now in a position of have to pay {$1100.00} in taxes ( plus late fee ) and another {$1400.00} in insurance that all along I thought was being escrowed. I also asked ocwen to pay the taxes and insurance and set up the escrow properly. I received an email from them stating they could not because the taxes and insurance were past due. naturally they are past due because I was under the assumption ocwen was paying them. I would appreciate any help in this matter
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 : XXXXXXXX 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: Credit reporting or other personal consumer reports

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 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 I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Consumer Loan

I turned in my XXXX XXXX XXXX in XXXX XXXX and leased a XXXX XXXX at XXXX XXXX. At the time of negotiating I was advised by the salesman that my excessive miles would be waived since I was a loyal customer. In XXXX of XXXX I received a bill for {$1300.00} for excessive wear and tear and mileage. The dealership never informed me of my right to have a pre-inspection completed. I called Toyota and spoke with a person named XXXX at the XXXX XXXX XXXX department and explained my story. She then informed she would get back to me and I never heard from them again. Today I was called by a debt collection company, XXXX XXXX XXXX and I advised I was disputing this. The collector was aggressive and said she would mail me the contract and since I had nothing in writing from the dealer I owed this. contacted Toyota again and they refused to speak to me since my account was in collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. Select Portfolio is reporting delinquency in XX/XX/XXXX of more than 180 days. I have notified the mortgage company and all three credit reporting agencies and none will correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME OF CURRENT CREDITOR : PORTFOLIO, ACCT NO : XXXX, PURCHASED ACCT XX/XX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX ACCT NO : XXXX Portfolio Address : XXXX XXXX XXXX, XXXX VA XXXX Date XXXX XXXX To whom it may concern : I have sent to the Creditor Portfolio and XXXX several letters asking for validation of this account on XX/XX/XXXX first class electronic tracking delivered on XX/XX/XXXX at XXXX am, XX/XX/XXXX first class electronic tracking delivered on XXXX XXXX pm, and XX/XX/XXXX first class electronic tracking delivered on XX/XX/XXXX at XXXX am. 
Today is XX/XX/XXXX at XXXX almost 5 months later from when I first submitted, and I still haven't received a response back from Portfolio or XXXX XXXX I requested to be provided proof of the alleged debt specifically the contract, bearing my signature ( I am not requesting a statement for a statement is not considered as validation ) The FCRA says I should only have to wait 30 days for an investigation, and I feel 5 months is far beyond its statue of time. 
I feel that I shouldn't have to wait any longer to have my request granted. I am respectfully asking that this debt be removed from credit report asap especially since Portfolio purchased this account from XXXX XXXX XXXX  and I have given permission for my information to be sold to anyone Thank you and hope to hear from you soon
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one has violated my rights to privacy regarding XXXX 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX US Citizen. I have had an account ending with last 4 digits of XXXX with First Bankcard of XXXX XXXX XXXX  XXXX, Nebraska, XXXX since XXXX. I had always made my payments in a timely manner and to the best of my knowledge none of my payments were ever returned. 

I suffered a massive XXXX XXXX in XX/XX/XXXX and my health continued to deteriorate until XX/XX/XXXXXXXX  when I had an XXXX XXXX XXXX I am still recovering from my XXXX XXXX 

Around XX/XX/XXXX, I became a victim of Scam and I lost about {$93000.00} primarily due to a critical issue with First Bankcard online platform accepting payments from 3rd parties without validation allowing them to make payments using fake bank accounts which resulted in payments being returned. Consequently First Bankcard debiting those payments to my account as chargebacks. The balance shown on their XXXX XXXX XXXX   statement was {$74000.00} but surprisingly the balance was suddenly increased to {$100000.00} in their XXXX XXXX XXXX statement, an increase of {$35000.00} for reasons never explained to me. I also believe that my account had been hacked. 

I had a similar situation with XXXX  XXXX XXXX credit card but my experience with them was just the opposite. I was protected there because their platform didn't accept payments from 3rd parties without validation. 

I received payment return notifications from First Bankcard stating that payments made by me were returned by my bank. These notifications were all wrong because firstly the payments were not made by me and secondly those payments were not returned by my bank. But instead those payments were made by 3rd parties using their fake bank bank accounts. 

Why should I be held liable for return payments that were not made by me on the first place and why should those be charged back to my account? 

I wrote several letters to First Bankcard and tried to resolve this issue but they continued to deny my claim. 

First Bankcard suspended my account due to returned payments on XXXX XXXX XXXX and closed my account on XX/XX/XXXX for the same reason. First Bankcard decided to refer my account for collection to XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX on XXXX XXXX XXXX 

First Bankcard has blocked my phone number and I am no longer able to speak to them. I have also tried to communicate with the collection agency, XXXX XXXX XXXX but they are also not responding to my letters or phone calls. 

My credit score has suffered very badly due to this scam. From around 750 range it had a freefall to around 450 range and it is slowly creeping up but won't be fixed unless this issue is resolved. 

Since my communicating with First Bankcard was not having much impact, I decided to seek legal advice and went to an attorney and have him write a letter to First Bankcard. My attorney did an excellent job describing the whole issue. A copy of that letter is attached with this complaint. I am also attaching some of my correspondence with First Bankcard and the collection agency, XXXX XXXX XXXX.
Product: Mortgage

I am a mortgage customer with Select Portfolio Servicing XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ). On XX/XX/year>, I made my regular monthly mortgage payment of {$6700.00}, along with an additional principal-only payment of {$45000.00}. 

Instead of applying the {$45000.00} toward the outstanding principal as intended, the mortgage company applied it to advance payments for XXXX months, effectively pushing my next payment due date to XX/XX/year>. This action has resulted in unnecessary interest accrual, contrary to my request and expectations. 

I have contacted the company multiple times, speaking with several representatives, including XXXX supervisors ( XXXX and XXXX XXXX, but the issue remains unresolved. It has been over XXXX weeks, and the incorrect application of funds complicates future payments and calculations, making it challenging to determine the interest savings I should receive. 

I request the CFPBs assistance in ensuring Select Portfolio Servicing XXXX promptly corrects this error by applying the {$45000.00} payment toward the principal balance as intended. 

Thank you for addressing this matter.
Product: Debt collection

I showed them the Bankruptcy info that this was included. The removed it from XXXX but Not XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XXXXXXXX  According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You dont understand. It was EQUIFAX lady that told me my account would remain OPEN! Has NOTHING to do with contacting other creditors! Account ending in XXXX. Please SEE Equifax the problem is with YOU guys telling me one thing on my credit report and then doing opposite ... ... Equifax you PROMISED you would have the account XXXX XXXX remained OPEN as I NEVER cancelled it, it DID remain open EVEN after talking to the supervisor but THEN EQUIFAX YOU went behind my back and cLOSED account on your records because I was contacted by XXXX XXXX asking if I did I CLOSE account that someone did and I didnt! Talked to XXXX XXXX and they AGREED what YOU Equifax lady with three letter name! DID was WRONG and said I shouldnt have to put up with. XXXX XXXX said sorry Equifax putting me thru this.THIS sorry EQUIFAX YOU people putting me thru this!
Product: Student loan

For about a year now, I have contacted XXXX XXXX about my XXXX XXXX Before they started charging me interest payments, I was paying {$25.00} a month for my monthly payment, until the beginning of this year. 
For a year they have understood that 1 ) I am still currently a XXXX XXXX XXXX XXXX XXXX  2 ) That my income is XXXX a year 3 ) my cosigner can not help me pay the loan, yet in XXXX of 2XXXX they began charging me the interest rate of my loan. The interest rate of my loan exceeds the amount that I am able to pay monthly due to only making about {$800.00} a month. 

On the first call, which I believe happened early XXXX, I was told I couldnt go into forbearance due to not being current on my payments ( at the time of the call I owed $ XXXX {$470.00} ). I found it odd that I wasnt able to do that, so I had asked why I couldnt even though XXXX XXXX XXXX XXXX XXXX  and had the XXXX XXXX XXXX XXXX XXXX XXXX. This representative had told me that regardless of iXXXX XXXX XXXX XXXX XXXX XXXX XXXX they had given me a five year grace period to XXXX XXXX XXXX. So, I began paying what I could to the loan. 

There were a couple small calls between the months of XXXX and XXXX, many of which were debt collectors trying to collect the debt, even though they understood my cosigner and I dont have the income to pay these loans in full every month. There were many small payments here and there, until I called the second time inquiring about my XXXX XXXX 

I had called a second time, on XX/XX/XXXX, asking if I could refinance the loan, to which I was told I was ineligible because I didnt earn XXXX XXXX XXXX which didnt make much sense because I was told that my XXXX XXXX  didnt matter when it came to the interest charge, but now I need a degree in order to refinance the loan. I was also told there was no other solution other than paying the loan in small amounts or, in less convoluted terms, taking out a personal loan to finance this one. Taking out another loan is not an option for me as this XXXX XXXX has already affected my and my cosigners credit, even causing my cosigners other cards to be shuttered despite not having issues before.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX , is reporting an inaccurate late payment on my account. This is a violation of 15USC1666 ( B ) Correction of Billing errors. I've talked to them multiple times about this issue and they advised me to dispute the issue with the consumer reporting agencies. After multiple failed dispute attempts, it remains on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$860.00} DEPT OF EDXXXX XXXXXXXX Balance : {$6300.00} DEPT OF EDXXXX  XXXX Balance : {$9600.00} DEPT OF EDXXXX XXXX Balance : {$4200.00} DEPT OF EDXXXX XXXXXXXX Balance : {$4600.00} DEPT OF EDXXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance :
Product: Debt collection

I have been harassed about this " debt '' for well over 7 years now. I originally had a medical bill from 2013, and paid it off a month or two later through my insurance. I have since been harassed by numerous agencies trying to collect on this " Debt '' despite the statue of limitations ( even if I did owe it ) ran out years ago. 

They claim I owe a debt from 2013, 8 years and 10 months ago. They are harassing me, claiming I owe a debt which I do not. They are even being unscrupulous in their efforts to try to force me to claim the debt is mine ( It isnt ) by saying I can pay a very small amount in 60 days ( which would make 9 years later )
Product: Debt collection

Debt have been settled on XX/XX/2021 and I still see it in my credit report. I called them and they kept on giving me ( same ) numbers from one office to the next cause no one seem to know how to help me yet the acct as per the operator was paid in full.
Product: Debt collection

I contacted the debt collector portfolio recovery and let them know capital one said the debt was fraud and they said they dont care since they bout the debt that I still owed they dont care what capital one said.
Product: Bank account or service

On XXXX XXXX, 2016, I opened a CitiGold checking account with a promotional code of XXXX, offering XXXX XXXX XXXX miles. The XXXX XXXX XXXX miles were to be issued with the following requirements, making {$1000.00} debit card purchases and making XXXX or more bill payments for two ( 2 ) consecutive months. 
On XXXX/XXXX/16, after XXXX requirements were fulfilled and met ; I confirmed via secure message with a representative from Citibank that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. 
Then on XXXX/XXXX/16, I submitted another message to open an investigation to follow up on when the XXXX XXXX miles would be posted. I was told that the investigation would take XXXX to 3 business days. It has been more than 7 days, and I have yet to receive any response back. 
I have searched online and found that there were numerous cases with Citibank not honoring XXXX XXXX XXXX checking account. I am being charged a $ XXXX/monthly fee in my account and another monthly fee will be withdrawn from my account without any response from Citibank. I do not appreciate that they are not responding to and ignoring this issue and refusal to award me the points I have earned ; all while still charging me a fee for maintaining their Citigold checking account.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why they appeared. I checked my report as I normally do, but to my surprise, there were discrepancies that seemed to come out of nowhere. I even refreshed the page, hoping it was a glitch, but the inquiries remained. Im extremely frustrated and need this issue resolved immediately. Please review the documents Ive sent thoroughly so I can stop worrying about this happening again.
Product: Money transfer, virtual currency, or money service

My account was closed by Cash app saying that I was doing fraud activity. When only I was sending money to my children and I asked if I could reopen an account and I did not get a reply back through via email. And when I did respond, it was after I guess the time period they say of three days, and that was further from the truth.