23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I call my credit report company and I explain to them everything. On my credit report it not mine to deleted from my credit they didnt do anything I
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 Account # XXXX. 

The consumer reporting agency that is reporting this account has violated my rights. I looked at my Transunion credit report after I received an alert regarding an account that was being reported, XXXX. 

Upon further review, I noticed some of the information on this account is incomplete and inaccurate. 

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ass

ure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). Additionally, according to 15 USC 1681 5 the consumer reporting ag ency is supposed to do this in reference to ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or
incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Also, according to 15 USC 1681s-2 the consumer reporting agency is not supposed to 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. 

The information on this account is inaccurate and I am requesting for it to be removed from my credit report according to the laws of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  BANK XXXX XXXX  ) XXXX Balance : {$770.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX CT XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Mortgage

I am asking for help with a financial hardship situation. I am a senior citizen, have no retirement savings, I am on medicare. I am on social security, and do self employment projects. ( more personal information sent as attachment ) I purchased the house in XXXX for {$180000.00} with XXXX mortgage and then in XXXX I refinanced with new century mortgage. There was a " bait and switch " scam in that the mortgage broker told me there would be " no points or closing costs " only to reveal at the last moment, {$16000.00} in closing costs. I had no choice but to roll that amount into the new loan of about XXXX. 

XXXX XXXX went bankrupt. XXXX XXXX XXXX have done a fraudulent sale of the servicing rights to GMAC. ( xxxxxxxxx, a foreclosure consultant at a non-profit said there was a fraudulent signature and documents at that point - also a " robo signature " on the document. See the government settlement with GMAC ) GMAC went bankrupt as well. 

I made payments to the various companies of about {$200000.00} in total since the home was purchased in XXXX. In XXXX the house went into foreclosure but that foreclosure did not happen. I have not made any payments to OCWEN since they " took over " the debt. There was a financial hardship in that I was diagnosed with XXXX in XXXX ( successfully treated ) and my employer wend bankrupt in XXXX. 

Apparently XXXX Bank was involved in a trust to bundle many " debts '' and their name was used to help OCWEN get the servicing rights to the debt. There is no clear chain of title. 

Ocwen has been paying insurance and property taxes. 

The house is in very bad shape. It has mold, bad plumbing, heat is a problem and there are structural problems. OCWEN 's property management company broke into the house on several occasions and damaged the door, windows, stole property, I believe, and moved the contents of each room to the center of the room. I called the police and notified them of the last break in. 

Apparently the value of the house is currently about XXXX. The land is worth XXXX and the house perhaps {$50.00} k. 

Because of the above I sent a " rescind letter '' to OCWEN. They did not respond in time but did respond saying they would not negotiate with me. 

I understand the debt could be rescinded but if not perhaps I could settle with OCWEN for the funds they spent so far, property taxes, insurance and the fee they paid for the servicing rights. I do not know what that total would be. 

Please let me know if the CFPB can help settle the situation. I need to sell the house, pay OCWEN for any out of pocket money and get some of my investment back from the sale of the property to help pay for new housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : # - XXXX XXXX XXXX did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named collection agency, should this item not be deleted within the 15 day period allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 


15 U.S. Code 1681a - Definitions ; rules of construction ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Mortgage

I would like to lower my mortgage monthly payment. I know about the pmi reduction and a lower interes that are now in the market. My loan is a FHA and I need to save so.e money because a reunification family and I can not get benefies of any goverment plan or rate reduction because lender XXXX me all the times in the proposawith a very high APR and hidden fees. 
My loan was sold to freedom mortgage and this company wanted to make me get involve in variable interest rate and I almost get into the trap. 
I would like to find a honest lender to refinance my actual FHA loan and get the reduction in my PMI that was lowered by goverment days after my loan closed. 
My credit is excellent it was XXXX in early XXXX although I dont know anymore after aplying to many nation wide lenders that wasnt honest to me. They want good and excellent credit people to get you but not to offer you a better conditions. 
I would like some help with a honest lender recomended by the goverment. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$0.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount - Account Status CHARGE-OFF BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$15000.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount {$15000.00} Account Status CHARGE-OFF BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$15000.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount {$15000.00} Account Status CHARGE-OFF BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$15000.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount {$15000.00} Account Status This account was disputed for over 5 months and they are still refusing nto close the account. Plus its reporting a total of three times with the same information. They are destroying me even after it was paid off. 

they have ignored my dispute for 5 months, they had 30 days and still have not resolved this in 5 months
Product: Mortgage

I has tried about 3 months with the Ditech. any time the customer services tell me different story regarding my account and it gets worse every time which they charge my homewoner insurance on escrow 4 times and get XXXX refund with called Tax refund. they information i got is totally confusion and different with the rep on the phone.
Product: Debt collection

I check my credit and show a collections items is not mine, I request a validation of this debts since I need more information to file a police report the collections agency verify with XXXX and XXXX as my account, but never mail any notification validation of this debt,
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge. Im sure you guys would not want to pay for something that you have no knowledge, did any business with nor had any service from. 

I should be in process of getting a home sometime this year of XXXX and even get promoted in my job which requires a credit check. Im trying to get my life in order, being a victim is not easy. its extremely stressful and very detrimental to my mental health. I will be attaching a FTC report with the number XXXX that was given to me when I filled out the form and I will also be attaching my identification card and my proof of address required by what I read in the Consumer financial bureau of protection website ( CFPB ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I attempted to dispute a fraudulent credit card account on my credit report with TransUnion. Yesterday I was notified that I am being sued by a collections agency for the outstanding balance on the fraudulently opened account. TransUnion did not investigate the disputed account and did not notify me that they were not investigating my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to BMW Financial services multiple times to explain that they are reporting late payments incorrectly on my report. Even though I have requested information on the dates that I paid versus the dates that they received payment, they continue to inconsistently report the late payments across the 3 bureaus.
Product: Student loan

I attempted to obtain my student loan disclosure and application documents from Discover Student Loans because I suspect that the terms of my loan do not reflect the loan that I originally signed up for ( conveniently, only this loan was a variable rate loan, whereas all of my previous loans with them had been fixed rate loans ; this is a significant difference in interest rates given recent rate increases ). I had recently received an email from Discover stating that it had ( unilaterally ) transferred my loan servicing to a new company, XXXX XXXX. When I attempted to obtain these documents from XXXX XXXX ' website by registering an account with them, the documents were not available. I then returned to Discover 's website to find the documents. They have documents pertaining to three ( 3 ) other student loans that I have with them and which they continue to service, but they did not have documents pertaining to a fourth student loan, which seems to be the one that was transferred to be serviced by XXXX XXXX. I then called their customer service and was eventually put in contact with a person who purported to help with my issue. That person stated that XXXX XXXX should have the requested documents and put me on hold, stating that she would speak to XXXX XXXX. After being on hold for a few minutes, she returned and stated that she could give me their phone number. I responded that I did not want their phone number as I knew that Discover had possession of these documents since I applied for the loan with Discover, but she pretended that she could not hear me on the phone and then hung up. I attempted to call back, was transferred to the same department, and received an automated message that their office had closed for the day at XXXX XXXX  ( it was then XXXX XXXX ). I am now unable to obtain this information.
Product: Checking or savings account

XX/XX/year> I was charged {$750.00} on my debit card online for XXXX tickets to a basketball game in Arizona. I live in NY. This transaction was not authorized by me and my debit card information was compromised. 
I immediately disabled my card and reported it to my bank. They submitted the transaction for dispute. My bank ( XXXX ) gave me provisional funds to cover the transaction while the dispute took place. 
I contacted XXXX and they said they escalated the transaction to their security team. They asked for information I wasn't comfortable providing. I asked my bank if I should provide this information and they said I should not. 
I asked both my bank and XXXX to stop the transaction while it was pending. They both said they could not and I'll have to wait until it has been taken from my account. 
XX/XX/year> I received a letter from NBT Bank stating that they have determined the transaction was authorized and the provisional funds will be revoked on XX/XX/year>. 
XX/XX/year> approximately XXXX I sent an email to XXXX requesting documents supporting the determination of the dispute.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 Citibank allowed the unauthorized transactions of a man Ive never heard of to change my account over to his information and then allowed him to transfer all of my money from my savings to checking and then proceeded to wire transfer himself {$65000.00} dollars out of my account. I never approved any of this and have never done a wire transfer in my over 40 years of banking there. I contacted Citibank immediately after seeing an email saying my transaction went through. I was on hold for 3 hours Before reaching fraud department. I went to the branch the next morning and made almost daily phone calls. I was never reassured of anything or treated properly. I was told different things by different people. I was promised an investigator would call me on the case, told letters would be mailed out. I have received no phone calls or letters at all from Citibank. Never spoke to the investigator they promised would call. They told me to give it 60-90 days. I have no XXXX to pay bills since XX/XX/XXXX. I was told on the phone last Friday my claim was denied and I was told I wouldnt get my money back. They told me a letter was sent. I have never received the letter. They allowed all of my life savings to be stolen from me. Please help me
Product: Mortgage

Freedom Mortgage company gave me advice on how to do a loan assumption following the deaths of my wife and father in law who originally owned the mortgage. I followed their advice to the letter. They said to wait for me to receive paperwork packets. They'd always send the paperwork AFTER the deadline to answer. Then I'd call and request an explanation and they'd give excuses and promise to extend the deadline to file my assumption. I was told that making payments to the loan I didn't own would NOT HELP me in the process. In the background, my wife and I were doing a loan modification to repay the forbearance due to covid. My wife passed away during the process. A year after we filed for the mortgage re structuring, they finally sent the correct paperwork to fill out. But, by then my wife had passed away. When I called the mortgage company, they said they'd send a new set of paperwork for just myself to fill out. At the same time, they were calling and mailing me to say that I was now delinquent on my loan. But my delinquency was due to their failure to provide me with the necessary paperwork in a timely manner. They then used this " delinquent debt '' to foreclose on the property unless I could make the entire arrears payment immediately. So, they extorted {$30000.00} out of me to avoid becoming homeless. Emptying my entire savings.
Product: Student loan

I believe I have XXXX loans from XXXX and would like to know if they were included in the CFPB settlement.
Product: Checking or savings account

On XX/XX/2022 a portion of my payroll for {$400.00} was deposited into my Alliant Credit Union account. I also have a personal non-collateral loan and a XXXX credit card with this company. Given the fact that I had an unexpected expense, my loan payment was past due, and my credit card payments were current. Once my payroll funds got deposited, Alliant credit union withdrew the funds, plus the additional funds of {$3.00}, for a total amount of {$400.00}, and credited them to my loan WITHOUT my authorization.
Product: Credit reporting

Experian continues to report inaccurate information on my credit report in regards to XXXX XXXX XXXX. I have submitted a request for re-investigation with this credit reporting agencies and this is my third attempt to get this inaccurate information removed from my report. The date the account was opened and the original amount of the debt is inaccurate as the debt was incurred in 2011 and the original amount was {$510.00}. This inaccurate information has caused adverse actions for me in terms of receiving credit and services.
Product: Checking or savings account

Convincing scammer met him when my computer locked- he came into my life and told me I was a victim of " XXXX XXXXXXXX '' and he was with Chase Freud Protection- I gave him my LIFE - My LIFE is over!

Yes, he was a " Romance Scammer '' and I did what he told me- Withdrawals from " Chase '' - Oh my GOD! I wake up with this and it haunts me - because I have NO CLOSE FRIENDS, I started liking him! 
Withdrawal from Chase alone- who turns over hard earned money like I did - Chase knew there was definitely wrong doing - and wish they hung in there with me - reported to Chase Executive Office - that " XXXX XXXX '' represented himself as being with Chase - Withdrawals - make my body shake - XX/XX/year> - {$45000.00} XX/XX/year> - {$100000.00} XX/XX/year> - {$50000.00} ( XXXX ) XXXX XXXX - {$20000.00} ( XXXX XXXX XXXX XXXX - {$30000.00} ( XXXX ) MY LIFE IS OVER - there is so much more ..... 

I did NOT benefit from any of this money - there were " Courier Pickups '' - as reported to Police ; FTC ; I3C ; FBI ; Criminal Justice - How can I go on living - " I was SET FOR LIFE ''!

Since Chase gave me all this " withdrawal money '' - given to a scammer - I feel there should be some " insurance plan '' to give me back money - or NOT - they won't! 

So I'm asking you this questions - money withdrawn from other banks as well - who want to face this every day - Scam victims owe IRS taxes on scammed money!
Product: Credit card or prepaid card

On XX/XX/2019 @ XXXX & XXXX I did 2 transactions at a ATM owned by XXXX  ( XXXX XXXX XXXX ) for {$500.00} the first transaction which is XXXX had went through and I received the funds so I went to take out a second {$500.00} trans # XXXX and  it DID NOT give me my money it was a cash dispenser error that accrued I currently filed a Dispute with usbank XX/XX/2019 for a transaction XXXX ( atm trans # ) Usbank had disputed transaction XXXX   which is the wrong transaction number so when they got the fax back from XXXX it said no error accrued. On XX/XX/2019 usbank had sent me a statement from ATM owner XXXX showing why they denied my dispute and it clearly shows that they flied the wrong trans number they filed for the transaction I did receive. I went into XXXX which is the atm owner and they had stated that usbank indeed filed for the wrong transaction number and thats the reason why it got denied XXXX had also provided me with a case number and any additional information usbank would need to help me resolve my case BUT usbank is refusing to help me Ive called multiple times and spoken to both dispute office and my case had been also escalated and NOTHING. They make me wait the 10 days and dont notify me of status or anything I got ta call for them to tell me they will not do anything to help me and they cant file a additional dispute because the original one had not gone in my favor. They also tell me okay Ill file another dispute then tell me wait the 10 days and I call back and they tell me oh no we cant do anything. Ive spoken to multiple managers and they all been very rude especially this last one who claims to be the supervisor. XXXX! All Im asking is that they do there job and file the correct claim!
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing my personal information on XX/XX/XXXX - XX/XX/XXXX, I've been sending letters and now there are addresses that I have no knowledge of or no access to. These addresses are still being reported on my XX/XX/XXXXcredit report and affecting my credit history. XX/XX/XXXX has closed each dispute attempt with the same outcome, the invalid information is still being reported today as of XX/XX/XXXX. This has really affected my credit and my life.
Product: Student loan

I applied for income-driven repayment XX/XX/23. I received confirmation from my loan servicer ( XXXX at the time ) that my application went through. I was subsequently transitioned to Mohela for my loan servicer to have my loans placed on the REPAYE and then SAVE plan once it became opperational. I just now found out that only XXXX of my XXXX student loans were actually transitioned to the XXXX plan. The other XXXX loans have continued to accumulate interest ( {$3700.00} ) when they otherwise wouldn't have on the XXXX plan and I now received a bill for a large sum of money that I can not pay with my current income.