23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have reason to believe the mortgage company we are in partnership with over our modular home, Ditech ( a XXXX XXXX ) whose headquarters are in XXXX XXXX, SD XXXX ( XXXX ), is taking advantage of the loan servicing agreement by either placing hidden fees in the cost of the monthly payment or misappropriating the monthly payment in various ways. 

I purchased the XXXX modular home in XXXX of XXXX with a high interest rate of 13.75 %, but a loan agreement for 20 years, which will signify the end of that loan agreement this year in XXXX. 

However, I still owe {$13000.00} on the principal balance and a deferred balance of {$1800.00} with several calls to Ditech 's Customer Service department several times in the last few months beginning Monday, XX/XX/XXXX ( XXXX ) and ending today, Thursday, XX/XX/XXXX ( XXXX ). 

And since that time I have had nothing but issues with changed account numbers, a separate account number specifically geared for home owner 's insurance and requests for ALL the paperwork regarding our contract agreement and recorded call-in notes. Ditech 's Customer Service department has assured me they were taking care of my business relationship with them, but they've failed me in more ways than I care to explain at this time and now, I want answers as to why I still must pay {$13000.00} on a modular home for another 3 to 4 more years on top of deferred payments amount of XXXX because something they've done is the exact opposite of ethical and fair. 

The account numbers for home loan balance is : XXXX OR XXXX. The account number for home owner 's insurance is : XXXX.
Product: Credit reporting or other personal consumer reports

misspeled names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX XXXXXXXX they did not provide me with the original contract as | requested. I do not have a contract with XXXX they did not provide me with the original contract as requested. I do not have a contract with XXXX XXXX XXXX they did not provide me with original contract as | requested. I do not have a contract with XXXX they did not provide me with the original contract as | requested. I do have a contract with XXXX XXXX they did not provide me with the original contract as | requested. I do not have a contract with XXXX XXXX they did not provide me with original contract as i requested. I do not have a contract with XXXX XXXX XXXX  they did not provide me with original contract as | requested. I do not have a contract XXXX XXXX they did not provide me with original contract as | requested. | do not have a contract with XXXX they did not provide me with the original contract as | requested.
Product: Credit reporting or other personal consumer reports

MAILED ( CERTIFIED ) VERIFICATION LETTERS FOR COLLECTION ACCOUNTS TO ( XXXX / EQUIFAX / XXXX ) ON XX/XX/year> MAILED ( CERTIFIED ) CREDIT REPORT HIGHLIGHTING INACCURACIES TO ( XXXX / EQUIFAX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX PROOF OF PAID ACCOUNT TO ( XXXX / EQUIFAX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX XXXX PROOF OF PAID ACCOUNT TO ( XXXX / EQUIFAX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> )
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN continues to report this account and claims to have verified the account as accurate!! XXXX  deleted the account because it was found to be fraudulent ... XXXX  is reporting the account as current and paid in full yet EXPERIAN is reporting it as late and a charge off!! I demand complete validation of this account ... I demand the contract bearing my wet ink signature ... .I demand a complete transaction record in regards to this account!! 


XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] DATE OF BIRTH XX/XX/XXXX SSN : XXXX EXPERIAN XXXX. XXXX  XXXX XXXX, TEXAS XXXX RE : Investigation Request to Delete Incorrect Account Information and Unauthorized Inquiries Dear Sir or Madam : In accordance with the Fair Credit Reporting Act Section 611 ( U.S.C. & 1681 ) I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Also any contract bearing my wet ink signature and verify the educational institution in which I supposedly attended! 
INCORRECT ACCOUNT INFROMATION, The accounts below are reporting incorrectly please investigate these : Account Numbers : US DEPT OF ED/XXXX # XXXX {$3300.00} US DEPT OF ED/XXXX # XXXX {$16000.00} US DEPT OF ED/XXXX # XXXX {$5100.00} Incorrect Credit Inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX REMOVE INCORRECT PERSONAL INFORMATION AND UPDATE PERSONAL INFORMATION WITH CORRECT INFORMATION LISTED BELOW. 
[ Please remove all credit inquiries older than 10 days, I have not applied for credit with any company ]
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DPEDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Our Home Mortgage transferred from XXXX to OCWEN in XX/XX/XXXX. All payments from transfer to date have been made on time, no late fees have been assessed, and all escrow overages have been refunded when due. All this is clearly documented in the statements and payment history on the OCWEN website. However, in XX/XX/XXXX it was identified when applying for a re-finance or modification that OCWEN had been reporting the account delinquent on random months since XXXX. We contacted OCWEN at that time to request that all erroneous late reporting to the ( 3 ) credit bureaus be reversed and corrected immediately. On XX/XX/XXXX after months without resolution I contacted the Office of the Consumer Ombudsman for OCWEN to request an investigation and review to resolve the erroneous negative credit reporting. Again this request went without resolution and on XX/XX/XXXX we received the last communication from OCWEN with refusal to reverse the reporting. This entire process took 6 months without resolution and I am certain intentionally hoping we would just give up. Interestingly, from the time we contacted OCWEN in XX/XX/XXXX with our complaint until XX/XX/XXXX OCWEN reported no delinquencies to the credit bureau. As the stress of this unimaginable and unresolved issue was causing extreme stress on my husband who is awaiting a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) we were advised by our mortgage broker to sit it out until XX/XX/XXXX and we would have 12 months of on-time payments now that OCWEN was no longer reporting them late. In XX/XX/XXXX we again applied for a re-finance thinking we were finally able to get out from under the OCWEN hostage high interest rate mortgage that had depleted our savings and the credit report again showed random late reporting in XXXX, XXXX and XX/XX/XXXX although no change in our on-time payment history. We are devastated that this can continue to happen and desperately need help to resolve this as we truly believe OCWEN is deliberately doing this to prevent our ability to refinance with another mortgage company by intentional errors to delay the process and any resolution. XXXX search provides thousands of reports from other consumers that have the same or similar complaints with devastating outcomes and loss of their homes and credit standing due to OCWEN errors and abhorrent customer service. Additionally, Class action suits and federal restrictions have been levied against them. We refuse to allow this to go on, please help.
Product: Mortgage

I have a Promissory Note with Bank of America XXXX BOA XXXX that was cancelled in XXXX. After repeated requests for them to remove the lien on my property, BOA has not yet removed the lien ; nor have they responded to my requests. Furthermore, BOA is attempting to foreclose upon the property on behalf of XXXX using a non approved substitute trustee and foreclosure attorney XXXX XXXX with The XXXX Law Firm, who dismissed the foreclosure on XXXX XXXX, XXXX, withdrew from the case on XXXX XXXX, XXXX and now bringing back a XXXX Motion To Withdraw their voluntary dismissal. 
I seek your assistance in ending further extortion attempts by Bank of America and XXXX.
Product: Credit reporting or other personal consumer reports

I have cellular service that is on my account that shouldnt be. Ive disputed multiple times to be taken off my credit report due to the fact that my personal information was stolen during a data breach from someone hacking a previous employer database. I would like for XXXX XXXX XXXX XXXX Sunrise credit services to be removed from my credit report due to identity theft.
Product: Checking or savings account

Daily for over a length of periods of long time I have to repeatedly go through hurdles with Chase bank constantly having to being deceptive in answering my questions after repeated use of obviously phone services constantly repeating verification processes to annou a d aggravate this place having mail stolen that has debit cards stolen. The same with a XXXX XXXX  XXXX  account that for legitimate reasoning suspended my account and declared I owef a significant amount of money that I didn't owe beforehandd. I want my accounts closed and investagate the use of phone operatoion centers hiring scammers that have counterparts here in USA hacking phones or impersonation of being employees
Product: Credit card

In early XXXX, XXXX  I moved from XXXX  to XXXX  after a near XXXX. The lack of oxygen caused slight XXXX XXXX  and XXXX XXXX. Thus, I am unable to use the phone. I reached out to my credit card company, Capital One requesting them to update my address and phone number. I sent numerous letters via US Mail to the customer service addresses listed on their website. They will not respond to replace my card or to close my account if they do not want to issue me a new card. 

After falling in the lake, I was in a XXXX XXXX XXXX  for XXXX weeks. I no longer have access to my old number after it was disconnected and I was transferred to XXXX  for XXXX XXXX. I would like this account updated so I can use it, or closed immediately.
Product: Debt collection

XXXX XXXX states I owe them over XXXX XXXX on my credit report however have not sent me any time of validation and I deny any ownership of this debt. Credit bureau does not truly investigate the disput and just validates it in less that 24 hours from my dispute.
Product: Checking or savings account

I make a deposit of two checks of {$430.00} making a total of {$860.00} on XX/XX/XXXX the system make part of that money available in my account, which I use the same day to pay my credit cards and others payments, even that there was an amount of money left in my account. Just a few day later on XX/XX/XXXX, I check my account and that money was removed from my account and charge me with an overdraft fee for each transaction I did when that money still in my account, that is a moved I find very unfair. even I have set up the overdraft protection. I contacted Bank of America by phone and they do n't want to remove the charges and tell me the money is going to be available by XX/XX/XXXX. but they are going to keep the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX has violated my rights.

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 my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

COMPANY EXPERIAN IS COMMITTING FRAUD AND ALSO COMMITTING STALLING TACTICS TO NOT DO THEIR JOB AND REMOVE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. CONSUMER HAS SENT IN PROOF OF IDENTIFICATION AND OTHER DOCUMENTS SUCH AS UNITED STATES PASSPORT, AND EXPERIAN WILL NOT REMOVE FRAUDULENT ACCOUNTS. CONSUMER DOES NOT NEED TO CONTINUOUSLY SEND IN PROOF OF IDENTIFICATION, WHICH IS A RESULT OF VIOLATING THE LAW AND EXPERIAN HAS THE INFORMATION ALREADY 15 USC 1681 AND 18 USC 1028 AGGRAVATED IDENTITY THEFT. ACCOUNTS ON CREDIT REPORT THAT ARE FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER 'S INFORMATION HAS BEEN IN ALL 3 BUREAUS DATA BREACHES AND SOCIAL SECURITY ADMINISTRATION BREACH. IT IS ILLEGAL TO KEEP INCORRECT INFORMATION ON A CONSUMER CREDIT REPORT. PER THE LAW 15 USC 1681, CONGRESSIONAL FINDINGS, AND STATEMENT OF PURPOSE, WHICH IS RIGHT TO PRIVACY. WHICH MEANS ACCESS TO A CONSUMERS CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING. ALL BUREAUS HAVE BEEN INVOLVED IN A DATA BREACH WHICH IS A VIOLATION OF A CONSUMER RIGHTS. CONSUMER HAS MAILED IN FTC REPORT AND COMPANIES STILL VIOLATE CONSUMER RIGHTS .ACCOUNTS ARE NOT CONSUMERS AND ARE SOMEONE ELSES ACCOUNTS THAT ARE CONSUMERS REPORT. XXXX HAS REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. DO NOT VERIFY THIS INFORMATION WITH E-OSCAR SYSTEM, VERIFY INFORMATION WITH A HUMAN. I WANT THE INDIVIDUALS NAME WHO WILL BE DOING THE VERIFYING. ALL FRAUDULENT ACCOUNTS SHALL BE REMOVED IN 4 DAYS. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), which in turn is a stockholder of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that owns the shares of. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Mortgage

I am filing a complaint against Ocwen Loan Servicing XXXX for Improper Record Keeping : Failure to post payments to account in a timely manner and Overcharging {$290.00} : Charging for Property inspection Fee {$12.00} and Valuation Fee {$280.00} claiming account was delinquent because of their Improper Record Keeping. 
This is a list of my payments1. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXXPayments for XXXX & XXXX were sent to XXXX because I accidently put the wrong account # XXXX ( Account was paid in full ). It took Ocwen 3 months to get it applied back these funds {$2300.00} ( XXXX payments of {$1100.00} each ) to my account. Ocwen reps were nasty and rude each time I called. XXXX sent the money back on XX/XX/XXXX. After several calls, Ocwen posted the money to suspense account instead of payment account on XXXX/XXXX/XXXX. XX/XX/XXXX {$1100.00}. XX/XX/XXXX {$770.00} Told to pay by Ocwen CSR since the principal was deferred and the payment decrease {$10000.00} ( credited to suspense account ) not to payment account Ref # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX was returned by Ocwen claiming my account was overdue because Ocwen refuse to post the payment from XXXX. Note this payment was replaced on XX/XX/XXXX with Ocwen Rep on the phoneXXXX. XX/XX/XXXX {$1000.00} thru XXXX Reference # XXXX ( NOT POSTED TO ACCOUNT ). The voice record says my account is behind. My account should be current if Ocwen post all payments to my account in a timely manner.
Product: Credit reporting, credit repair services, 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 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, credit repair services, or other personal consumer reports

Equifax continues to have a fraudulent business account from XXXX XXXX XXXX  on my personal credit profile. I have tried to have them correct it, but they refused to remove it without a valid explanation. 

Equifax also have a wrong address on my credit report. They Also have not corrected that error also. 

Equifax also allows companies to run my credit without proper authorization, and also refuses to removed them. They are the ones also responsible for the breach of my credit from years ago and no resolution have been made to me.
Product: Student loan

I recently applied to discover student loans hardship program. In three separate occasions I have received an email back on informing me they could approve my l application because it was missing documentation. As I am unemployed I have to submit proof of eligibilty for unemployment. I have stated over the phone to various Customer Service reps at Discover that I do not collect unemployment as I am not eligible for it. I spent close to 45 mins on the phone with a member of the hardship program today, XXXX XXXX, telling them the same thing. What am I suppose to do now committed fraud to give them what they want. My cosigner has graciously agreed to pay them during the hardship period. They refuse to accept a signed letter from both her and myself stating such, but yet have asked her to submit the last three months of pay stubs and her most recent XXXX. From my understanding this hardship program will reduce the payments significantly over a 12 month period but they are making it difficult for those who need the program to get into it. My loan is set to be charged off at the end of this month. I have repeatedly told discover I can not afford to pay XXXX a month and need a lower payment. I get the strong feeling they are trying to push me towards a charge off and a possible lawsuit. I am not refusing to pay them I can not pay them XXXX. Rather than try to find alternatives that make sense, the Customer Service rep was going to transfer back to the charge off department, for them to harang me by telling me, I have pay XXXX by the end of the month if not my account is going to charge off. If I do n't have XXXX where am I going to get XXXX from. This hardship program would have saved me but I can not get into because they seem to think I am lying when I say I AM NOT ELIGIBLE FOR UNEMPLOYMENT. I can not keep waiting three months to come up with one payment. This has got to stop. How many ways can you say I can not afford this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have using XXXX XXXX  to track my credit score and it was around 740 for a year or so. Bills are paid on time. Recently I contacted mortgage lenders to get pre-qualified for a home loan and my credit score dropped around 140 points. I made a large payment on my credit card and it only brought up my score up to XXXX 's. Lenders are not interested in helping me get pre-qualified now. 

An XXXX representative named XXXX ( he refused to give a last name ) said that there was a negative item from 2015 showing ( I closed the account and don't remember who the vendor was and contacting XXXX was no help either ) He said there was no one there who could help solve the problem or explain why the credit score dropped so drastically and suggested a credit counselor or buying a credit report. 

Experian cut me off while I was explaining the problem. I tried the dispute function on their website but they want to share my info with their partners and send advertising. 

XXXX shows a credit score of XXXX ( needs work ) I understand that hard credit inquiries from home mortgage lenders can drop a credit score but that should still have left me in the 700 's. I am a good credit risk and don't want to lose out on buying a home because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have auto loan with Truist bank. I am trying to buy a house, when the mortgage asked the credit report, discovered that I have twice XXXX loan in my credit report. 

I when to the bank to fix and ask a letter to indicate that I have only one XXXX loan, and they make the mistake. Because Truist bought Suntrus bank. When they made the merge, they made the duplicate account. I am waiting for a simple letter to presente to the mortgage to buy my home. I call every week and the customer representative said different opinion about my case. I feel frustrated, because I need a letter.
Product: Debt collection

After speaking from XXXX XXXX and XXXX XXXX from Credit Collection Services ( CCS ) on XX/XX/2023, I am submitting proof of payment ( for which CCS has a internal record of payment ) for the {$210.00} already made ( Conf. # XXXX ). An internal audit of CCS by the CFPB will demonstrate that indeed this bill was already paid after some adjustment to the account ( A credit of {$630.00} being made on XXXX after the initial {$210.00} was made to CCS on XXXX ). In any case, CCS is attempting to bill me in XX/XX/2023 a SECOND time for a bill that was already satisfied in XX/XX/2023. NOTE : All of the calls from XXXX have been recorded and can be reviewed as part of the audit process.