23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

OCWEN has been making repeated robo-calls to our home. Caller ID shows " Toll XXXX XXXX '' -- no mention of OCWEN. When someone picks up the line a recorded voice says to " stay on the line '' and some seconds later an operator comes on and asks for me or my husband. When I ask who it is they say " OCWEN a debt collection agency ''. Then they ask for my social security number! 
We are NOT behind on payments, and never have been. We refinanced our mortgage through XXXX in 2013 XXXX then through GMAC to get a lower interest rate. Apparently they sold the loan to OCWEN?. Now they are saying they need to " update their records '' via an unsolicited, unidentified phone call " for the trust ''????
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to TransUnion and XXXX & XXXX on XX/XX/2018 & XX/XX/2018 concerning a XXXX Account that was on my profile. I also sent a letter to XXXX asking them for a copy of this account that was on file from my credit report. I received the copy of said contract but what is on my file and what is on my credit report are 2 different things. The contract XXXX sent me was Acct number XXXX which is correct, .XXXX shows on my credit report Acct # XXXX and TransUnion shows Acct # XXXX which are 2 completely different numbers. I asked them both times when I wrote to them to provide me proof and each time they have not. I also went as far as providing them a copy of my contract and all I get back was varified. How can something be varified if I have the proof in hand???? As I close TransUnion has it marked as bad debt but nothing under payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter that detailed various inaccurate reported items on my credit report. As of today, XX/XX/XXXX, over 40 days later I have not received a response. Im not sure if my letters were discarded, or if they simply ignored my disputes, but I have not received any reply to my disputes. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the Equifax data Breach or some type of Identity theft. Please delete.
Product: Credit card or prepaid card

My go program card for my georgia unemployment was used without my knowledge or permission by someone to purchase a hotel in XXXX company name XXXX XXXX XXXX for {$180.00} on XX/XX/2020. I filled a claim with the card issuing company for the go program minutes after I received the alert. I filled out all the paper work they needed and requested and faxed it back to them in the time frame they wanted I was suppose to have gotten a credit on the 10th day for the stolen money on my government issued card. That was 3 weeks ago I have called them numerous times I will include all the papers and phone records later if I can. But I have received the run-around since filing the claim I have been hung up on twice after sitting on hold for over an hour each time. I have set on hold a total now of 16 hours since the claim was filed. And still can not get any information. I received a letter from go program today stating the merchant had refunded the money on XX/XX/2020 I don't know what that was but I didn't file the claim nor was the purchase made untill XX/XX/2020 and I definitely did not receive any refund. I believe the card company has made this fraudulent charge to keep the money I have researched cases like mine occuring numerous times with this card/bank issuer.I want to know what I can do to get the money back that was stolen from my account via this {$180.00} fraudulent charge.
Product: Mortgage

XXXX I purchased my home at a price of {$460000.00}, with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I was explained that I would pay a total {$3500.00} roughly. However this bank refinanced my house with XXXX XXXX XXXX XXXX XXXX At the time they stated you do not need to pay a small loan which I assumed was part of my original loan. I continued to pay my mortgage to XXXX. After XXXX I recieved in the mail a letter stating that I was to pay {$200000.00} in a lump sum, from FCI Lender Services. I was summons to court and with no positive solution I was told that my house would be going into Foreclosure. I ask that we sit down and work something out. As I invested lots of money into my home, and my family can not be out in the streets.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple attempts made to correct a problem with the XXXX Account. Company continues to update information without accurately notating account. The Closing date is inaccurate, the last activity date is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XX/XX/XXXX - XXXX and REGIONAL ACCEPTANCE CORP add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt or credit management

XXXX ) lost job and was put on a plan by Flagstar Morgage XX/XX/XXXX, and was told it would not effect my credit score, nor would it be reported. This was to be through XX/XX/XXXX. 
XXXX ) called multiple times between XXXX to make sure I was still ok with the plan, and to make sure I was good through XX/XX/XXXX. Was told it would not affect my credit and that I needed to fill out another application on line, was told another time that was wrong information and I didnt need to fill out another application, and to resume payment in XXXX. Was told again this wont affect my credit. 
XXXX ) made payment to Flagstar for Morgage through my bill pay to resume payment for XXXX, and check was returned by Flagstar. 
XXXX ) called Flagstar shortly after realizing check was returned and was told they cant accept payment now and that this indeed does affect credit and they are not sure why I was told that. Asked to speak to XXXX named XXXX and she said thats not correct and told me shes sending in for a rushed review to be evaluated for forbearance, and she took my XXXX payment. 
XXXX ) My credit score dropped XXXX points because Flagstar reported delinquency. 
XXXX ) XXXX called and spoke to XXXX and she was in communication with XXXX who me agreed it was an accidental report to credit on there end, and that it says in fine print for the duration of that time XXXX me being on a loss mitigation plan would not be reported to credit. I was told by XXXX that they are going to fight this and it was accident. I was told I would receive a letter in the mail stating this in case I needed for proof. Was told XXXX would give me a call back, never did I hear from her. 
XXXX ) I called multiple times for my point of contact during this process and never heard a thing XXXX ) XX/XX/XXXX was told by another XXXX XXXX that the credit report dispute was denied due to no payment in XXXX. My XXXX payment was denied.
Product: Credit card

I made a money transfer through XXXX using my Capital One credit card, the transaction was never completed, funds were never disolvieses, funds were not received/released in the other end, the transaction then was reversed within the same date, within a two hour period, and Capital One charged a Cash Advance fee when there was never a cash advance done because fund were never released and never left Capital One bank. I spoke with three different agents and asked for an accounting or financial department where I could submit documentation and I was denied of this information. I was read over an over again what is a cash advance fee, which I already know what it is, therefore I ignoring the issue at hand on why I was calling, which was to point out that the transaction never realized, funds did not leave the bank, it was reversed and the credit shows on their end, therefore a Cash Advance fee is a junk fee. I would like to request for Capital One to refund this inaccurate fee and for moving forward, to treat their long time customers with respect.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

Filed a complaint there are several issues regarding the following which has occurred on several occasions in addition too different colleges may not all be XXXX XXXX college and not reporting correct changes in forbarences and deferments to third party for collections in addition too allocating the total and permanent XXXX applications with sufficient documentations. Complaint to XXXX XXXX XXXX nelnet and all other loans third party collectors account holders for any and all loans for as XXXX XXXX XXXX xx xx XXXX for previous accounts defaulted and or sold or submitted through any of its subsidiaries and entities as a third-party debt collection for federal loans be properly investigated current and past accounts loans requests by student and all documentation sent and received on behalf of XXXX XXXX XXXX Proper requests have recently and past been made for forbarences and deferments to include XXXX discharge and reporting and filing of my accounts status prior to defaults were in deferment or forebarbnce but you and your subsidiaries and related entities prior to receiving accounts and after were not properly investigated nor acknowledges the processes and stays changes in accordance with all XXXX rules policies governing the loans and not properly handled according to rules policy and laws governing students with XXXX I gave submitted review for XXXX discharge and several total and permanent discharge for XXXX yet you and your related subsidiaries related to my previous account holders and current gave violated not only. My civil rights as a XXXX person but have submitted to board of education improper and incomplete paperwork regarding my XXXX and rights verifying social security XXXX income with 4 dependants exceeding the payment amounts being drafted through united states treasury received by us board of education submitted by XXXX. I want all monies refunded and every incident paperwork filing and complete account information to include XXXX and requests for discharge and paperwork submitted to civil rights office and respectfully revised and complaint filed formerly with you and all related entities prior and current involving any and all collected paid and unpaid student loans. request for reimbursement for received funds from treasury to XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXXXXXXXXXX. this request is to cease and distst all collections withholdings of all accounts while in review for XXXX discharge and acknowledge current and past deferments and forbarences. Investigation by attorney general and civil rights division. 

Email ( if you would like a response ) : XXXXXXXXXXXX
Product: Checking or savings account

Ive tried on several occasions to close my Wells Fargo checking account but was unsuccessful. The company continued to charge me NSF charges. I tried to work with the bank to clear up theses fees and the refused to offer solutions. Instead the overdraft fees continued to rise until the bank closed the account and sold account to collections. I was told on several occasions I would need to speak with executive offices at the bank for assistance. They even tried on several occasions to transfer me to the department for resolution. Instead I was told they were too busy and would get a follow up call. I was told onXX/XX/XXXX someone would reach out to me. I have yet to hear anything being almost 7 days. Except for the account to be sold to a third party collections.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I lost my phone and I didn't notice my phone was lost until I got a text message from my phone to my husband phone saying I found your phone and I need a XXXX dollars to get it back ... I said to him ok ... but before I knew it I was lock out of all my accounts from XXXX XXXX and XXXX he change everything and got a chance to get in my cash app account transfer his self all of my money that was in my account and that was XXXX all in one day and one hour. on XXXX XXXX HE did 4 transaction from my phone to his ..I have a police report and here is the case number to the case XXXX ... i contact cash app over 10 times with the police report and each time they denied me saying it came from my device ... .I have contact XXXX because someone hacked my accounts over 131 times and I explain to them that was not me and that should me a red flag on they end ... .I have been in the hospital 3 times since this than happen to me and its driving me crazy because this man still have my accounts hacked right now and he still have my phone ... I don't know what to do because I did everything the right way .I have XXXX kids that i take care of and its hard with someone take your whole life saving in one hour ... ..
Product: Mortgage

On XX/XX/XXXX I applied for a Refinance/Cash-Out Mortgage Loan with Freedom Mortgage Corporation, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, NJ ( XXXX ID : XXXX ) XXXX-XXXX in the amount of {$75000.00}. I was approved and Closed on XX/XX/XXXX. My payments were to start XX/XX/XXXX! 
In the meantime, I paid Freedom Mortgage on XX/XX/XXXX an ACH Withdrawal in the amount of {$860.00} for my XX/XX/XXXX Mortgage Payment. {$90.00} was the Applied Principal Payment in that amount! On XX/XX/XXXX I also paid by check {$2100.00} Additional Applied Principal Payment Only on my loan. A total of {$2200.00} was given Freedom Mortgage for Principal Payments! My New Principal Balance was brought down to {$72000.00}. However, no sooner could the ink dry and not being properly informed that my loan had been transferred on XX/XX/XXXX to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, OH XXXX and my 1st Mortgage payment was Due On XX/XX/XXXX! I was livid however, I then paid XXXX on XX/XX/XXXX a check in the amount {$860.00} for the XX/XX/XXXX New Mortgage Payment which caused a " DOUBLE '' XX/XX/XXXX payment! In the meantime, Freedom Mortgage transferred the Wrong Money Amount of {$75000.00} to XXXX XXXX XXXX XXXX as the New Loan Setup Amount instead of {$72000.00}. The Applied Principal Payment Amounts were not applied to my New XXXX Account! There are recorded phone calls to Freedom Mortgage Corporation and XXXX XXXX XXXX, XXXX. ( XX/XX/XXXX thru XX/XX/XXXX ). I have been having difficulty communicating with LOAN SERVICERS from Freedom Mortgage and XXXX XXXX XXXX to this date! When able to speak with these Servicers, the information I received was often confusing and did not provide the clarifications I was hoping for. It has now been ( 3 ) months and these customer service issues has led to delays in obtaining needed resolutions for my mortgage loan. I filed a complaint with the XXXX on XX/XX/XXXX ID # XXXX. Please help me bring this matter to closure expeditiously! Thank you
Product: Debt collection

Express Recovery is in violation of my 30 day right to dispute. I contacted them IMMIEDATELY as soon as I seen these collections on my credit report. As I expressed to this agency. Not once did I receive a letter in the mail, a notice or a phone call from them regarding this debt on my credit file, from them or the original creditor. I had no idea this debt existed until this was added as a collection to my credit file. How is one to know there's a debt when no contact is being made. As soon as I seen this debt I called Express Recovery to get more information. I paid it. This debt should be removed as it violated my 30 day right to dispute per the FCRA.
Product: Credit reporting

An account from XXXX from 2006 that was included in a bankruptcy filing is still showing as a delinquent/late paying account in my Equifax file. 
I have submitted the dispute to all XXXX credit reporting agencies. XXXX and XXXX have deleted the account from their records. Equifax has yet to do so. I need your help in getting this resolved.
Product: Credit reporting or other personal consumer reports

There was inquiries made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> without my permission by XXXX  and GREAT LAKES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX ), And Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up/new complaint against the CRA, Equifax. 

Over the past few months, possibly years, I have attempted to access my Equifax Consumer Report by using their website, " myequifax.com '' and third party sources ( e.g., XXXX XXXX ). I have made several calls to Equifax customer service regarding this matter, with no resolution. I have also petitioned this government agency, CFPB to investigate in order to help determine why my report is inaccessible to me on an ongoing basis. 

My attempts today, XX/XX/2020 by using Equifax 's " myequifax '' website and contacting their service yielded no results that would allow me to view my credit report online. My online Equifax report complete omits any information tied to my history of being in the credit bureau 's file. In most cases, there are all zeroes ( see attached ). 

The Fair Credit Reporting Act states that credit bureaus must provide accurate information. I also have a right to view my file like other consumers whether online or paper. By refusing me this right, as outlined in the FCRA, Equifax has placed me at a great disadvantage ; I am unable to determine if the information that is being reported is accurate. Therefore, the ability to file a dispute as outlined in the Act [ 15 U.S.C. 1681i ]  is removed from me and I can not launch legitimate disputes because I can not see my file.
Product: Credit card or prepaid card

Around XXXX on XX/XX/2020 I recieved a check. XXXX coronavirus stimulus. 

Myself and clearly hundreds XXXX if not more ) of people are unable to use the balance, that shows as ready to use, to make ANY purchase. I've tried various stores, food delivery services like XXXX  and XXXX, I have tried multiple only site purchases, and I have went to the ATM. It is like the card has been literally locked out. 

I made contact with customer support, sort of, ( meaning I used @ AskAmex on XXXX, which is their " quick support '' link. Nothing. They tell me to call their number, XXXX ) and I waited and waited and finally the automated response told me to please hold while they transfer me to a representative, and that my call may by monitored or recorded. It rings once, and hangs up. I've tried it with 4 different cell phones of friends ' and I also called from 2 landlines, one being the landline for a XXXX  store down the street when I tried to buy food. Nothing is working, and this is getting out of hand.
Product: Debt collection

In the spring of 2016 I reached out to credit agencies including Collection Service of Nevada as I decided to work on paying off my bills. I updated my information with them of both my home address and my work address. I told them that they were free to contact me at my home address. 

They served me a lawsuit for small claims court at my work address. I paid the default judgement off within a week of the default judgement being awarded. I asked them not to contact me anymore since I had no more business with them ( because the debt had been paid off ). 

They just mailed me a document they submitted to the court that I had paid off the balance of account, but they mailed it to my work address, even though I asked that ALL correspondence be sent to my home address when I talked to them last spring. 

The return address is clearly visible to my employer and staff of the office I work at. Also, it is the policy of our office to have staff open the mail before it is delivered. 

Because I have asked multiple times for them to send me correspondence to my home address and not to contact me at work, and because they have repeatedly ignored this request from me, I make this complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint AGAIN to update this suspicious information. The 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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.
Product: Checking or savings account

XXXX unauthorized transactions totaling in {$20000.00} where transferred from my savings to checking account resulting in {$10000.00} lost from my savings as an unauthorized user made XXXX telephone transfers before using the same debit card to charge {$10000.00} from my checking account. I opened an internal investigation to find out how these unauthorized transactions occurred. Today, I received a letter in the mail stating that the transactions resulted in " no loss '' therefore they will be considered authorized. This is an absolute abysmal approach to security as well as a resolution to my concern. I am requesting for records showing how the transfers were made as I did not make them. I exclusively use mobile banking to make transfers, not telephone. Today I spoke with agent XXXX on the phone who provided no help for understanding how these transfers were made. The transfers did result in overall loss to my total funds so the claim should be reopened and properly investigated,
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX