23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen loan XXXX XXXX XXXX Last 4 social XXXX XXXX XXXX XXXX XXXX XXXX Ocwen has failed to respond to our claims and therefore we will submit our first complaint report to the Federal government agencies including General Arrorneys office and the national mortgage settlement, third party monitors that report to Congress. Bellow is a partial summary of the full report. 

The first complaint addresses our demand to remove escrow account from Ocwen on the grounds and only submitting monthly statements asking for amounts due of the HAMP modification agreement of 2012 prior to Ocwens acquisition We will fulfill our obligations to any third party funds such as tax and insurance The first complaint address the following failures and violations 1. failure to perform proper accounting in terms of application of full amounts of monthly payment in a timely manner, 2. Holding large amounts of monthly payments in addition to RESPA allowed escrow amounts in additional accounts labeled suspended funds, misc, other, fees Then applying those funds weeks and even months later via transactions labeled credit for fees, application of suspended funds, credit for home evaluations, ... 
3. Submitting products that were falsely created, back dated that contain erroneous information to cover up the charges for fees and products such as false title insurance that does not exist, title searches that cost unreasonable amounts of fees, returned check fees for checks and dates that does not exist according to our bank accounts 4. Delayed crediting to our funds in unacceptable accounting such as partial payments as low as {$29.00} at times and delayed dates as long as several months at times 5. Falsely reporting to the IRS surplus funds as misc when in fact they are exceeding RESPA regulations by unlawful amounts 6. Consistent pattern of faulty accounting and  violations in a repetition manner proving willful intent to gain financial interest of the investors XXXX XXXX by keeping as much funds for as long periods of time possible and causing harm to the consumers Ocwen has failed to perform its duties as a loan servicing company, caused damages to our accounts, credit and title not mention disruptions to our life Due to breach of trust, we do not have any confidence in sending any further payments unless a third party monitor handles the funds and those funds will be for the fixed HAMP payment of principle and interest only This third party will either be the federal agencies or the chapter XXXX court and trustees
Product: Credit reporting or other personal consumer reports

A creditor or furnisher listing an account as Charge off status is considered by the IRS as canceled or forgiven debt. The creditor or furnisher must issue the consumer a XXXX form. Which turns an account into taxable income for consumer. And, income can not be reported on a consumer report and also can not be listed as derogatory.This account is also reporting inaccurately. 15 U.S. Code 1666b ( a ) states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Attached you would see proof of this account reporting inaccurate information such as late payments, open dates, date of last activity, dates of last payments, wrong credit limits across the bureaus and credit limit amount.This account is still reporting negatively on my consumer report even though it was sold/transferred to another lender/collection agency to collect on this CHARGED OFF debt which I am not liable for nor have a contract with XXXX XXXX XXXXT violating 15 usc 1692a ( 4 ) . 15 USC 1692a ( 5 ) states the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction. I do not owe any debt, especially if an account is already CHARGED OFF. I as a consumer have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$470.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$3000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1200.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$140.00} XX/XX/XXXXXXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$85.00} XX/XX/XXXXXXXX XXXX XXXX
Product: Student loan

I was previously having my loans serviced by XXXX and was on a payment plan with a low payment for the year based on my limited income. I then switched my lender to XXXX as part of the PSLF program. Before switching I spoke to XXXX and was told I could continue with my existing plan at my current payment. After switching I was told I would need to resubmit a plan. I called XXXX again on XX/XX/XXXX and I was told again that I could continue with my previous payments but my plan would be changed in XXXX after tax season. Today I received an email stating I owed over {$2000.00} and after calling XXXX I learned that everything I was told was a lie and now I need to change my plan which will cause my interest to compound costing me thousands of dollars. XXXX directly lied to me to increase my student loan burden.
Product: Debt collection

XXXX XXXX  Someone opened an Affil account In my Name and used my Social Security number, The house address is XXXX XXXX XXXX XXXX XXXX La XXXX Im I was un aware of this action, Please Contact me or notify this person ASAP
Product: Credit reporting or other personal consumer reports

I had XXXX rental applications denied due to false information provided by Transunion. The incorrect data was part of a " tenant report '' that Transunion sold to a third party. The third party company operates as a tenant verification service that is paid for by the management company that manges the property for the property owner. When I was denied I asked what factors were used in the decision. They provided a XXXX  XXXX  notice showing the third party verification company. When I inquired after the second denial they told me the same verification company. I got the phone number and called, they said transunion tenant file was used. I requested the file but they refused. They told me to get my Transunion Credit Report. I asked if there were other factors than those on my credit report report she said they also looked at past payment history and some indicators showing if I was a good tenant. They then said the file showed a poor payment history and listed the addresses. I had never lived at those addresses. And I have paid XXXX  years of rent every month ontime. I contacted Transunion and have been told repeatedly there is a system error and my credit report is not available. I requested it online and then called and requested all three reports. Only the other XXXX credit agency reports arrived in the mail. I know Transunion has incorrect information in their tenant file but noone will allow me to see it. And I am not even able to get my credit report from them.
Product: Vehicle loan or lease

I was 2 months behind on my car payment due to a shutdown of my. Job related to Coronavirus. 
When I received my Stimulus Check, it was used to pay my missed car payments. 
I have emailed Santander Bank numerous times asking for a lower interest rate and lower payment amount, Well Santander reported me to Credit Bureau and stated I was 30 to 60 days late. 
I have paid my car on time of {$330.00} per month for 3 years and the remaining balance I owe now of {$4000.00} is interest payments.
Product: Student loan

I received a letter from Aidvantage about setting up an automatic withdraw for my student loans. I was granted the full teacher loan forgiveness {$17000.00}. In I believe XXXX. I followed all the guidelines to consolidated and make specified payments. The remaining amount of my loans had been forgive with the teacher loan forgiveness. I have not make a payment towards my student loans since XXXX since they had been forgiven. I have tried on multiple occasions to contact Aidvantage. I have sat on the phone for up to hour waiting. I have tried to call weekly since I received the letter since XXXX. I still have yet to talk with anyone. I have emailed a few times. I finally received an email back on XX/XX/XXXX. I emailed back because the dollar amounts they reported were not correct based on what was originally reported from my XXXX service account. I contact XXXX service and they too were unsure of how the outstanding balance it still there. They said they would send a complaint and suggested that I do so as well. I have continues to try to call Aidvantage and still not luck. I am now 2 months behind on payment and getting nervous about my credit. However, I do not want to make payments as this balance should not still exist. I looked on the internet to see what other options I have. It was recommended to file a complaint through CFPB. I am still in contact with XXXX XXXX and they said they intend to move the complaint forward as well.
Product: Debt collection

Include dates, amounts, and actions that were taken by you or the company : In XXXX I had spoke with a rep from IC system who asked me if I could use the child tax credit payment on this bill that was on collections with XXXX. I kindly said I would call back or make another arrangement. I found my documents and started making payments online in XXXX XX/XX/XXXX I received a call from IC System concerning a collection account from XXXX. I started making bi weekly payments of {$25.00} via internet back in XX/XX/XXXX to IC systems. The rep confirmed that she did see the payment. I also received emails from XXXX confirming payment! was received to them I guess. The company still calls me although I am making payments. I had paid off another account with the same company two weeks ago. They can clearly see that I am making payments. I thought they were calling me about another account however it was for a XXXX bill that they do see payments are being made.
Product: Mortgage

In XXXX we experienced a catastrophic flood. Our first mortgage is with XXXX XXXX and second mortgage is with PHH ( formerly Ocwen ). We had to incur a third mortgage from the XXXX to complete the repairs while seeking a supplemental from XXXX. The repairs were completed in XXXX, passed inspection, and claims with both mortgage companies were closed. After a lengthy legal process we received a supplemental check for {$50000.00} from XXXX in XXXX. These funds are to be applied to our XXXX loan to avoid a duplication of benefits. XXXX XXXX endorsed the check as required but PHH is refusing to. Instead they incorrectly opened a NEW claim and are requiring the funds be placed in their own escrow account. My attorney and I both explained and provided documentation this is not a new claim and forwarded them additional documentation explaining how XXXX will handle the funds. PHH is still refusing to endorse the check. These funds belong to the XXXX, our attorney and us, in that order. XXXX XXXX seems to understand that as the first lien holder but PHH does not seem to grasp the concept. 
We have never been late on a payment with either mortgage company or the XXXX. We are simply trying to get this supplemental check applied to our XXXX loan as the XXXX legally requires us to do. Please advise.
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies letting them know the inquiries and accounts are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXX account # 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: Debt collection

On XX/XX/XXXX received a statement from XXXX XXXX 's office- XXXX XXXX Interventions for a procedure he performed. Bill was {$500.00} On XX/XX/XXXX I spoke to XXXX in the billing office. She told me the office would be accepting the payment already received from my insurance and that I was not responsible for the charge. 

On XX/XX/XXXX I receive a letter from Healthcare Collection Specialists ( HCS ) saying I owe {$1200.00}. 

On XX/XX/XXXX I respond via certified mail to inform the company that I had spoke to the office in XXXX and was told the matter was resolved. In addition I had no bills indication how the amount went from {$500.00} to now {$1200.00} so as far as I was concerned this was not my debt ( Copies attached for your reference ). As of today, XX/XX/XXXX, I have received no response form HCS. 

This morning I received an alert that a negative comment was placed on my XXXX credit report ; which I am disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, we tried to place a credit Freeze online with all 3 credit bureaus, and were able to do so easily with XXXX  and XXXX. Equifax online said the information we provided online did not match and to call their XXXX number, although this was the same exact information we provided to the other two companies. We then called the number, they verified our information and told us we had to send in two different forms of ID via fax or mail and then 5 - 7 business days later they would respond. We explained the urgency in freezing our credit due to personal information already being compromised and that time was of the essence. They verified all of the information we provided and said that they still could not help us. I explained that there is something wrong with their system as we verified all of the same information as we did with them online, and the online system said it did not match. They advised there was nothing they could do to help which placed an unnecessary burden on us, and jeopardized criminals using the information while their flawed system/technical difficulties was requiring us to provide additional information and then wait 5 - 7 business days. This is unacceptable service and I would like to file a formal complaint. Thank you very much for your assistance in advance.
Product: Credit reporting or other personal consumer reports

I checked my credit report and to my surprise all three credit bureau ( Experian, XXXX XXXX, XXXX are reporting inaccurate information about a bankruptcy. Bankruptcy court stated they do not report to the credit bureau attached letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Proximately 2 years ago I was applying for a veteran eligibility guaranteed loan of over {$130000.00}, and already had a nice property checked out that would furnish me with a place to live and more important a place to start a new business because my XXXX won't let me continue to work in My Chosen field of XXXX. The loan was well underway and due to wrong and fraudulent information and my identity information hacked from the files of reporting agency. Apparently 90 % of the files they had on people were broke into and their information stolen. This cause is all kind of bad reports, loans in my name that were issued to someone else, defaulting credit cards that were issued to someone else in my name, my credit score dropping over a hundred points from good to poor status ruining any chance I had to get back on my feet. My stolen identity fraudulent reports by the credit bureau and no one willing to give me a much needed loan to buy a house caused me to become homeless and struggling for the last 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My father used my credit card by mistake for over 20 years. XXXX Credit Card never verified that the person who uses my card were a different person ( My father XXXX years old with XXXX ) My father ruined my credit on XXXX 2017. The late payment was the reason why I knew my father used my Social Security to get a credit card almost 30 years ago. I called the credit card company and spent 3 days trying to block the card, finally after humiliations by customer service we finally get the card blocked. My sister who is my father representative called the credit card company too and explained the issue. I recorded the call for my records and they blocked the card. But, I need the Credit Card Company send a letter to the credit Bureau clarifying this issue and requesting to return the points to my credit report. It is all I ask for a complete reposition of my fair points in my credit report. I made this complaint before, but XXXX credit card, responded with a false statement " they did n't know if the credit card were used for a different person. They knew perfectly who were using the card and were they send the statement for over 20 years. 
Please help me.
Product: Credit reporting or other personal consumer reports

Hello All, All my names are misspelled in all 3 credit bureaus, please see the following incorrect names. 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these names need to be removed, my correct name is : CORRECT NAME FIRS NAME : XXXX MIDLE NAME : XXXX LAST NAME : XXXX XXXX And my last two addresses need to be removed from my credit report please OLD ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX FLORIDA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. 

I request that only my current address be seen is the following. 
XXXX XXXX XXXX XXXX XXXX XXXX, NORTH CAROLINA XXXX. 

Please see attached evidences. 



Thank you Best Regard
Product: Payday loan, title loan, or personal loan

I believe Navy Federal Credit Union has been charging me interest on late charges in addition to interest on the principal. I understand interest applies to the principal. 

I also believe the Credit Union has been reporting late charges and interest on late charges as part of my balance to the 4 credit reporting agencies. 

My personal loan matured in XX/XX/2018 and I made my last payment in XX/XX/2018, however my balance is over {$2000.00} and continues to grow each day. I believe the Credit Union is also using compounding on these fees which is increasing my balance each day.

Although the Credit Union has provided my payment history the breakdown does not answer my question about interest on late charges and credit reporting of the same. The spreadsheet has 7 columns, all self-explanatory except a " P3 ''  column that has no description. The line items are self-explanatory except " Late Fee Capitalization '' which I do not understand.

As of this date the Credit Union has not answered my questions. As of this date I have not made any other payments since my XXXX payment. My loan matured in XXXX and I made what I thought was the last principal payment in XXXX. The late fee balance is increasing each day and is {$2000.00}. I have not made any other payments because I do not know what I'm paying for. 

These questions remain? 

1 ) Have I been charged interest on late charges ; and, if so, the total amount of interest charged " on late charges, '' not principal, over the duration of the loan? 
2 ) Has interest on late charges and late charges been reported in my loan balance to the credit reporting agencies? 
3 ) Exactly what does my current balance represent? I do not know and that's why I am not paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not made any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there were unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
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 XXXXXX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX information : credit card Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 6 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX of disputed information : collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.