23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

9 years ago, my wife and I bought our house in XXXX. Being so, we were given a " XXXX XXXX '' loan with our second mortgage having a 11.5 % interest with a {$50000.00} balloon payment due after 15 years. We just had XXXX and have been attempting to modify the mortgage as we can no longer afford the payments. We have submitted twice and been denied twice with them stating that we make too much money. Apparently, it Ocwen 's policy that they do no take out payroll deductions from anyones income that will be helping to support the original lein holder, therefore, showing that we have an excess amount of cash on hand each month. In a final attempt to do something with this mortgage, my wife 's aunt offered to pay {$25000.00} of the {$53000.00} left on the loan as a closure settlement. Once again, they have denied us. Their only advice is to stop paying, take the hit to my wife 's credit, and maybe in a few month the " investor '' will be willing to do something. So, for the past 4-5 months, they 've given us no viable option to modify or settle the loan, therefore forcing us to stop payment without any other terms of negotiations. We 've never missed a payment or been late on a payment, we both have credit scores over XXXX, and yet, according to their own policies, we do n't qualify because our account is in perfect standing. Yet, every time I google the name Ocwen, I find nothing but lawsuits and settlements from the government saying that they have to give homeowners options and relief. Where is the relief for us?
Product: Credit card or prepaid card

On XX/XX/2023, Comenity responded stated they will be correcting my reporting information within 45 days. To date, this information has not been corrected. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

The I am frustrated to see that the XXXX and TransUnion Credit Bureaus had done nothing to correct my Credit File despite the multiple written letters and complaints addressed to them. The XXXX and TransUnion Credit Bureaus ignored my written appeals and neglected to comply with the Fair Credit Reporting Act Section 605b. Once again, I was a victim of Identity theft and the accounts I am disputing were the results of such crime and I never received any benefits resulting from the theft of my identity. The last letter I sent to the Credit Bureaus was XX/XX/2022 appealing to them to remove the fraudulent items from my Credit File. Upon checking my updated Credit Report dated XX/XX/2022, the disputed accounts are still reporting. It has been drawn out into the open that the Credit Bureaus are not doing their job and became negligent of the Federal Law. I am tempted to take legal action against the Credit Reporting Agencies because of their laziness but I am giving XXXX and TransUnion Credit Bureaus to correct their wrong doing and completely eradicate the fraudulent items from my Credit File. The accounts : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date XXXX Balance : {$15000.00} ; and XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00} were incurred due to fraudulent activity and I am urging the Credit Bureaus to delete these accounts from reporting on my Credit report. If XXXX and TransUnion Credit Bureaus Fails me once more, it leaves me no choice to pursue legal action and sue the Credit Bureaus.
Product: Checking or savings account

Hello dear CFPB, Im a full time employee and I deposited my paycheck to my checking account at WELLS FARGO bank XX/XX/XXXX, Monday. Today is XX/XX/XXXX, and my funds arent still available. All this time I cant pay my bills and any living expenses. Today is my payment day for WELLS FARGO credit card. I dont have any money to pay this card payment. Im going to miss my payment and they charge me late payment fees. Good business to keep people earned money to earn their own money, isnt it? It breaks UDAPP Act at least. 

Could you please conduct investigation on WELLS FARGO shadow and criminal practices on earning by unlawful holding of their customers deposits. Thank you!
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 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 and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I've observed multiple deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the data in my report. I dispute your allegations and challenge you to substantiate your right to report this incomplete negative information on my credit report. 

Under 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) requires furnishers to provide information that is both accurate and has integrity, conducting reasonable investigations of consumer disputes.

Deviation from Metro 2 compliance standards, as outlined in the CRRG, jeopardizes the integrity of the data and can affect the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccurate and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unfair for you to report information that lacks confirmation of its ethical nature and compliance with certified reporting standards. I challenge these claims and request proof of proper reporting standards. 

Your actions are violating my rights, and I have outlined concerns about your reporting in this document. If not addressed in compliance with FCRA/Metro 2 standards, I will escalate these issues to the CFPB, FTC, and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did a complaint a few months ago for XXXX XXXX XXXX XXXX XXXX XXXX it was deleted from my credit report because of identity theft and it is illegal for credit bureau to put back negative items back on my credit report once it has been deemed unverified or inaccurate. they put it back on all 3 credit bureaus and dropped my scores. they changed the amount to XXXX i have another account thats not mine XXXX XXXX XXXX i have called thses guys i gave them police report they dont have no info on me someone used another email and address to get the phone so i never got a letter from this conllection agency i told them its not my debt i had my wallet stolen in a basket ball pick up game years ago they wont delete the account thats not mine
Product: Credit reporting or other personal consumer reports

I checked my credit report and I see unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exeter Finance LLCXXXX When I noticed these inaccuracies I filed A Identity Theft FTC report.
Product: Credit reporting or other personal consumer reports

When I went to check my consumer report I noticed There were accounts that I had no knowledge of the accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never done any business with these companies.
Product: Debt collection

I lived in XXXX XXXX in XXXX, MN : XXXX XXXX, XXXX was landlord ; ( herein referred to as XXXX XXXX. ) I paid all of my rent. ( I would have been evicted otherwise. ) I have the landlords ledger of the rent I paid. 
I have all my rent receipts. 

XX/XX/XXXX was my last month. 

I left not owing money. 

Nearly 2 years later : Hunter Warfield [ XXXX ] XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX a collection agency that HAS illegally identified themselves as an attorney on my credit report this collection agency reported a Collections ( AND a negative Account ) to my Credit Report : Claiming that I owed ( what? ) {$1700.00}? 
to XXXX XXXX. 

All systems have failed since that moment : [ FIRST SYSTEM-FAILURE : ] I provided ( 1 ) my rent receipts for XXXX, ( the time in question ; ) ( 2 ) my lease ( proving rent amount ; ) and ( 3 ) the computer printout of my account history from the landlords database. 

Warfields proof that I owe this money is a document that any XXXX can manufacture with a computer and printer. 

[ SECOND SYSTEM-FAILURE : ] I disputed this record on my Credit Report the last time in XX/XX/XXXX : ( I sent everything by return-receipt mail : ) I NEVER RECEIVED RESPONSES FROM WARFIELD OR THE THREE CREDIT-REPORTING AGENCIES.

So it should have been removed from my credit report. 
It was not removed. 

[ THIRD SYSYTEM-FAILURE : ] Things fall off automatically after X-amount of time : From memory : In Florida, it is 3 years? 
Definitely across the board SEVEN YEARS MAXIMUM : The debt is from XXXX : XXXX plus 7 years equals XXXX : It is still there on my Credit Report. 
Until XXXX, I was told. 

... 

Firstly : I NEVER OWED THIS MONEY! 

Secondly : I PROVIDED ALL EVIDENCE my receipts, the lease, the landlords record THAT I DO NOT OWE MONEY, AND THAT I NEVER DID OWE MONEY. 

Thirdly : How many laws in-place to protect me have failed? 
( a ) Calling the business an attorney ; ( b ) never responding to my filed dispute ; ( c ) not adhering to the 7-yr MAX reporting time-limitation WHERE AND HOW IS THIS GOING TO END? 

DO I NEED TO TELL YOU WHAT CONSEQUENCES I HAVE SUFFERED FROM THIS FRAUD!! 

IF I HAD A HISTORY OF NOT PAYING MY BILLS : MY CREDIT REPORT WOULD REFLECT THAT. 
__ THIS NEEDS TO BE REMOVED TODAY, NOW. STAT. I am suffering because of my Credit Report BECAUSE OF THIS! and I need your help to rectify this evilness. 

This is nothing more than extortion. 
Pay the {$1700.00} and get my life back. 

Please help me. 

Thank you.
Product: Debt collection

I have called XXXX XXXX a representative of Transworld systems several times at the phone number that was provided to me XXXX. I have left messages with the best number to reach me, She has not returned any of my calls to get more information on this medical debt that is violating my right to privacy by reporting this medical debt on my credit report.
Product: Credit card

I paid my statement balance, thinking that would avoid any interest. I was told when I spoke to a customer service rep, that the statement balance means nothing and that I need the pay the purchase balance in full on the date I make the payment, including purchased made after the statement was printed. I rely solely on the statement to determine how much I need to pay, and I try to pay the purchase balance in full to avoid interest. I do not think it is fair to charge interest on a balance that is unknown until the next statement arrives.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00} EQUIFAX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported an issue of Theft 2 which was dismissed due to being an untrue allegation by my ex. The company reported this as a conviction and it took weeks for them to correct, causing me to lose an employment oppertunity and damaged my reputation.
Product: Mortgage

My home was destroyed by XXXX XXXX in XX/XX/XXXX, my mortgage servicer Freedom Mortgage gave ma a 3 months forbearance, them extended it for another 3 months, for a total of 6 months. After the 6 months forbearance ended in XX/XX/XXXX, my house was still being repaired and I asked for a disaster modification to bring my payments current. I submitted all of the paperwork they asked for, they cost it several times, then when they finally acknowledge they had everything my file was sent to underwriting. Underwriting came back and said that there was a lean on my title. You see I did not have flood insurance, because I was not in a fold district, the only reason my home flooded was because the XXXX XXXX XXXX XXXX open the reservoir and flooded my entire community. XXXX gave us all loans to repair our homes and they put a lien on the property. XX/XX/XXXX, I called my mortgage servicer and found out they stalled my modification stating I needed to pay off the lien. I asked customer service to please have the person that was assigned as my single point of contact to please call me, I needed to know what could be done to save my home, no one ever contacted me. In fact throughout the modification process, my single point of contact has never responded to any of the request I've submitted for her to contact me. Since I could not afford to pay off the lien, I contacted XXXX, and they said they would do a subordination, but they needed the new loan terms. XX/XX/XXXX I went back to Freedom mortgage and they said since the modification has stalled they can not give me new loan terms. I asked Freedom mortgage to please provide something in writing so that XXXX could subordinate the title, but they refused to give me anything. On XX/XX/XXXX, I went back to XXXX and they contacted Freedom Mortgage and requested a letter stating what the terms they were looking at for my modification. That request was submitted with a turnaround time of XX/XX/XXXX. On XX/XX/XXXX when I called for an update on the letter I was told, I needed to give it some more time to received that letter via email. By XX/XX/XXXX I still did not get the letter, so i called Freedom mortgage and spoke to a rep XXXX, she said the letter was sent to the wrong dept, so she sent another request to the correct dept. On XX/XX/XXXX I received a letter from freedom acknowledging the payment I made for XX/XX/XXXX, I was trying to prevent my home going into foreclosure. It showed me a total amount due of {$8100.00}, but when I call the automated system give me a different amount. I ask rep XXXX why I was getting 2 different amounts due and she told me to disregard the letter. I am now very sure that something underhanded is going on. They are stalling in giving me the information needed to get this modification completed, giving me incorrect amounts due, and threatening to foreclose on my home. Dealing with Freedom Mortgage is worse that going through the flooding and having to be evacuated by the XXXX XXXX during XXXX XXXX.
Product: Vehicle loan or lease

I have a car loan with Westlake Financial and Ive been struggling trying to get a copy of the tittle from them. I moved from XXXX  to XXXX  XXXX  and in the end of XXXX I started trying to have my tag transferred to new state. 
On XX/XX/2021 I had the tag office sending Westlake Financial the fax requiring the copy of the title. Till today they havent send it. 
Ive trying calling uncountable times, sent many emails and nothing happened.
Product: Debt collection

On XX/XX/XXXX I settled with the Debt Collector XXXX XXXX XXXX XXXX Capital one and XXXX  XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all XXXX credit bureaus. XXXX XXXX XXXX has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). XXXX {$1300.00} XXXX {$520.00} ... On XX/XX/XXXX XXXX XXXX XXXX tried to double-dip on a collection that doesn't belong to me and reported the amount to the XXXX credit bureaus which resulted in a negative effect as I am currently going through the process of closing on a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I pulled my credit report and saw a long list of inquiries that I did not initiate. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In generals. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no others : ( F ) otherwise has a legitimate business needed for the informations ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraphs ( 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. 

The hard and soft inquiries noted in the attached credit report are unauthorized. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identifications of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any action by the consumer.
Product: Vehicle loan or lease

On XX/XX/2018 we went to XXXX  XXXX XXXX in XXXX XXXX, NC to buy an XXXX XXXX. I have a credit score of XXXX and was immediately approved for a loan. During that time XXXX was running ads on television for a 0.9 % financing on new vehicles. So we were prepared to finance the loan until they presented us with an interest rate of 3.9 %. On insisting why, they explained that because we got deep discounts on the vehicle, they could not give us financing at the advertised 0.9 %. We bought the vehicle cash cause WE NEEDED one for my parents. I'm reporting this to the CFPB so that you folks can investigate on why this is not made clear when XXXX runs advertisements on television. We bought the car for a total of {$42000.00}. Our plan was to payoff our current debt on another car so we could pay a lower interest rate. Now we are still making payments on the old car. COMPLETE MISLEADING ADVERTISEMENT!!!
Product: Credit reporting

I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out XXXX for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX {$430.00} and XXXX XXXX XXXX {$560.00} Original creditor XXXX It seems like they are selling this from one collection company to another. I never had an account with XXXX  XXXX XXXX or XXXX
Product: Credit reporting or other personal consumer reports

The presence of this account has caused me significant XXXX even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Vehicle loan or lease

I purchased a XXXX XXXX 2012 at this dealership on XXXX XXXX. And they couldn't provide extended warranty and reassured me this car was in great shape and I wouldn't have any problems. Within a few weeks I had to go in because multiple signals on the dashboard showed up. Then a few weeks later I went in twice due to Evaporative emission control system of the car. Then followed up this the XXXX has a massive fuel leak due a hose that needed to be replaced. On XX/XX/XXXX for the first time the XXXX  overheated to the point I needed to tow it. A mechanic diagnosed from XXXX and quoted XXXX items that need attention from the car costing over {$2100.00}. While I acknowledge the offer of assistance through a XXXX provided by the dealership, it is far from covering the financial burden this vehicle has imposed on me. In XX/XX/XXXX I spoke with the manager they aren't able to help me due to this car being old however they can help me get into a new car. It seems coincidental that the only resolution offered involves upgrading to a newer model without any meaningful guarantee that it won't have similar problemsfeels like a pressure tactic. I entrusted XXXX XXXX with my business once, and I am not prepared to make the same mistake again without receiving fair and just treatment. I believe this situation warrants further investigation, as I feel it is unfair to be placed in this position. What troubles me the most is the apparent coincidence that the warranty was only for 30 daysjust long enough for me to discover the issues, but not long enough to receive adequate assistance. I find it unfair and unjust that a car I have owned for just XXXX months would require such significant repairs.. I am writing to discuss my current situation regarding my loan. Unfortunately, my car has become faulty and is no longer operational, which has significantly impacted my ability to manage my finances. Given that the car is not running, I believe it is unfair for me to continue to be responsible for the loan under these circumstances. I would appreciate the opportunity to discuss possible options or adjustments that could be made to my loan terms.