23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX 2013, Ocwen stopped accepting my payments. They told me I had XXXX balance in my account, and that there was nothing else to be paid, so they would no longer take any payments. 

I continued to make inquiries about the payments for 2 whole years. I retained lawyers in an attempt to get information from Ocwen on either how to proceed with payments or how to get my name cleared of the debt. Ocwen never once replied to me. Their customer service, when I called, alleged that the XXXX balance was due to a change in websites, but never solved the problem of not accepting my payments. 

For the past 2 years, Ocwen continued to tell me I owed them money while refusing to accept payments because their computer system told them that I owed no money. Ocwen continued to accrue interest and other charges onto my account. 

In 2013, I only owed XXXX on the home. Now, Ocwen alleges that I owe them {$78000.00}. They cased the problems, they refused the payments, and now they want to take a windfall of {$22000.00}. 

I filed complaints with the Attorney General of Florida, to which Ocwen finally responded. 
In response to the complaint, Ocwen offered me a loan modification agreement ( attached to this complaint ). Ocwen wants me to pay them {$900.00} a month, and wants to raise my principal balance to {$78000.00}. They filed a foreclosure against me and are attempting to take my home. 

It 's absolutely unconscionable for a large corporation to simply artifically raise my debt by {$22000.00} and then attempt to coerce me into making payments by threatening to take my home, when all of this has happened because they were unable to solve a very simple mistake that they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not sent me ay verified or original documents of the creditors documentations on file to verify and bankruptcy that wa place on my account under sections law 616 and 617 if they don't do within 30 days it is to be deleted immediately they have failed to comply with my request and under the FCRA they stated this account has been verifiednbut has not provided me documentation
Product: Credit reporting or other personal consumer reports

I had a dispute with XXXX XXXX credit card, so I asked how much I owed and to cancel my card. I paid the full amount owed but then they sent me another bill the next month. I called them and said that I was paid in full but they lied and said that they had sent me a bill for a different amount. I never paid the bill. The bill was {$7.00} dollars so now they have put charges, late fees and interest so now its {$180.00} after only a few months. I though XXXX XXXX was a reputable company but they are not. I had the card for years and never owed them any money. Now they are trying to hurt my credit that was over XXXX. 
I am an honest person and I don't cheat people. This is wrong and I am not paying for lies. 

Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a request for an investigation regarding a XXXX XXXX acct, instead a received a generic stall tactic response devoid of any information. 
I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/2023, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. You have failed to reveal the method or any documentation of stated investigation. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611.
Product: Checking or savings account

I had a fraud on my account for {$10000.00} in 3 different checks, 1 for {$8000.00}, 2 for {$1200.00} 3 for {$840.00}. I did the report to the bank Wells Fargo, but they said the claim it was made to late ( over late 6 months ). I did the report as soon I notice the discrepancy. I was doing reconciliation for my annual tax report. I have an extension for that reason it was late because I have an external account helping with that.
Product: Mortgage

Because of one simple mistake the company is making me to make payments through XXXX XXXX very difficult for me to do. I made a payment but forgot to move my funds from saving to checking the next day I notice what I have done wrong and submitted the payment. I am ok with them charging me for bounce check but not punishing me for a simple and honest mistake
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 Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Debt collection

AcctCorp of Southern Nevada XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, NEVADA, XXXX ( XXXX ) XXXX XXXX The collection company above garnished my wages without any formal notice. They claimed they served my address but later I found out they served my sister 's ex partner 's address. They were not living together during the time so I was not notified. I have proof of the address I was living in during the time they " served '' me. I was living with a friend while I get back on my foot. XXXX should have record of me as a resident. 

I found out my wages were garnished on payday. When I called, they said they could not help reverse the garnish. When I emailed them, they said they can not reply back, they didn't call me to let me know. I had to call back days later. They claim they can not communicate in writing. They did not allow me to record the call. If I was to record, they " have to hang up. '' They are ruthless and rude. 
My ex had an XXXX XXXX account under my name and owed {$1100.00}. I end up having to pay over $ XXXX to close the account. They wouldn't allow me to settle, I had to pay the full amount. I asked to start a payment plan since I wasn't able to make a living. I was a 100 % commission-independent contractor. The company that I was working for allowed me to borrow {$60.00} a day ( " Draws '' ) until I make a commission but Account Corp was garnishing the wages. Some commission finally came in to help but due to the garnish, I was not able to pay my IRS tax and had to push it back. 
I visited the XXXX XXXX to ask " my '' account rep, XXXX, if I can do $ XXXX payment, but she denied it. 
I finally got the account closed XX/XX/2021, I asked if there's any way they can help me settle. They agreed to settle for an amount after all. Even though, they told me XXXX that their firm does not offer settlements and that they are not " that type of agency. '' P.S : I did not receive any receipt of any of my payments or payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, and XXXX reported I and joint owner XXXX XXXX were 30 days late in XXXX, XXXX on real estate mortgage account XXXX XXXX XXXX XXXX XXXX. 

I disputed this - House was sold XXXX XXXX XXXX Mortgage was paid in full. 

Experian changed the 30 day late to XXXX XXXX and added OK for XXXX XXXX XXXX left XXXX late in XXXX XXXX and added OK for XXXX XXXX and OK for XXXX XXXX Attached is notarized Bill of Sale and Title company Settlement documents stating Paid in full for mortgage and second mortgage dated XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello and good day, I made a transfer of {$760.00} on XXXX, XXXX2025 from my joint savings account ( ending in XXXX ) with CapitalOne to my XXXX XXXX XXXX checking account. I own both accounts. The money never arrived in my XXXX XXXX XXXX account, so I called CapitalOne to figure out what had happened. Their customer service said there was a big mistake on their end, and helped me file a claim. However, no refund has been issued, no update or whatsoever. 

Thank you for your help! 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

us dept of ed 4 different accounts caused by the EQUIFAX breach sent the ftc 4 months ago sent the affidavit and ftc
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3RD Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1300.00}
Product: Mortgage

I purchased a property located at XXXX XXXX XXXX XXXX. MA XXXX. For tax purposes the building sits on 2 parcels. The first parcel is XXXX and is comprised of the vast majority of the building. This lot is around {$5000.00} per quarter. The second parcel was XXXX and was comprised of a small portion of my building and a large parking lot. I do not own the parking lot. The person I purchased the building from kept it. We subdivided the lot. 

The City Assessors Office created a new parcel number for my small portion of the building that was located on the parking lot. The old parcel number ( XXXX ) is now exclusively the parking lot. 
My new parcel number for that small portion of the building is XXXX. This new parcel number only owes around {$100.00} per quarter instead of the {$1400.00} per quarter owed to the old parcel number that included the parking lot. So this mistake is increasing my monthly payment by about {$1300.00}.

In Sum, the property has two parcel numbers ; XXXX and XXXX. And the old parcel number that is only one number off, belongs to my neighbor ( XXXX ) I have notified Shellpoint over 20 times and over the course of 5 months, every time they run this information through XXXX and change the parcel number back. I finally reached a supervisor XXXX XXXX that was able to fix the parcel numbers. 
She submitted a new escrow analysis because obviously my monthly payments have dropped. 

However they are still billing me at the amount of the old parcel number ( {$1400.00} per quarter instead of {$100.00} ). They also paid my neighbors taxes, even though the parcel numbers are correct. They claim they cant do anything because they outsource to XXXX. 

The Escrow analysis came back wrong, calculating the parcel at XXXX instead of XXXX. They resubmitted the Escrow analysis a second time. This also came back wrong. They resubmitted a third time, and there is no decision made as of yet. 

I gave them the proper tax documents and assessors information numerous times. I have been fighting them for 5 months, over 25 phone calls. Never once have they ever called me back after promising too.

To prevent this, I asked that Shellpoint cease collecting tax funds from me for the escrow. Shellpoint/CoreLogic have clearly demonstrated they can not handle this task. I offered to do it myself but I was declined because my loan is under 2 years old.

I am seriously considering litigation.
Product: Credit card or prepaid card

This bank is XXXX Bank of America put my account in the negative on XXXX XXXX they Left me with a XXXX $ negative balance and money was still being added to the account before it was closed by bofa they blamed XXXX at first iv fought for my money.back for 5 months and now that they have finally approved my claim on XX/XX/XXXX they said they sent my money to me XX/XX/XXXX and I see a posted transaction fir XXXX $ but they are trying to tell me my money went to the negative balance but Im entitled to that money I have bills to pay with that and also I had another agent tell me today XX/XX/XXXX that this was a mistake on their end and that I will receive my money back she even out me in a complaint and missing credit report she also said the banks mistake also included that the bank didnt 0 out the negative balance so that when the money was put back I would get it instead of it going to the negative balance how am I paying for the banks mistake or lack of professionalism I am not at fault here and I honestly demand that they fix this and send me my funds because im being told that my claim is resolved but its not I still do not have my money and this bank obviously thinks I supposed to get by with XXXX XXXX after all of this pain and suffering they took me through I need my money from them this is a panedemic they should not be able to just take our money when it was never our faults in the first place I need my money back like no tomorrow this is beyond disrespectful and incompetent this is inhuman and heartless this is beyond XXXX for me
Product: Credit reporting or other personal consumer reports

Chase is in violation of 15 U.S. Code 1666b - Timing of payments.

Chase and all three credit reporting agencies are reporting missed and or late payments on my report.

15 U.S. Code 1666b - Timing of payments states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The account number for this account being reported is XXXX. 
Account was opened XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am filing this report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate. 

XXXX XXXXXXXX XXXX XXXXXXXX {$280.00} Account was not proven how it was verified please delete. Not mine no knowledge XXXX XXXX XXXX {$1500.00} Account was not proven how it was verified please delete. Not mine no knowledge XXXX XXXX XXXX {$630.00} Account was not proven how it was verified please delete. Not Mine No knowledge XXXX {$200.00} Never Late XXXX  XXXX XXXX {$1600.00} Never Late XXXX  XXXX XXXX {$1600.00} Never Late XXXX XXXX XXXX XXXX- {$800.00} Never Late These inaccuracies are a violation of my rights under the FCRA, which ensures that consumer reports must be accurate, complete XXXX and verifiable. I have also filed an official complaint with the Federal Trade Commission ( FTC ), a copy of which is attached for reference.I am requesting an immediate investigation and correction of these errors, as well as written confirmation that these items have been addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried over 12 times in the past 2 years to have these removed from my credit report because these are not mine and have never been the companies just answer back with a generic it is yours so we are not changing it but they are not listening to me at all.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

I told XXXX XXXX XXXX. XXXX other XXXX reporting age not my debt. I asked for proof by a wet signature of mine. They never sent that. Only a paper stating a discount of the debt. XXXX percent off the debt. I told them this debt was removed by XXXX by dispute. On XXXX credit report. The other XXXX XXXX XXXX XXXX. Have been contacted as well. XXXX and XXXX dont do their job. They are in violation of the FCRA. XXXX XXXX XXXX  has not proven this is my debt. If this debt was removed by XXXX. That is proof I disputed the debt. And the dispute was won by me.
Product: Credit card or prepaid card

Hello, I've had my Capital One Venture account since XXXX. It was no longer my primary card but I recently decided to begin re-using the account to keep it active. I called Capital One on XX/XX/XXXX to convert from a Venture card to a Quicksilver card and have those cards mailed to us so we could begin using the accounts again. At the time of my call, my account was open and in good standing with zero issues. I explained that we'd be using the cards more often and was acknowledged by the associate, who was more than happy to have the new cards shipped our way. 

Upon receiving the cards today, XX/XX/XXXX, I called Capital One to activate the cards and was informed that on XX/XX/XXXX my account was closed for inactivity and there was nothing they could do to re-open the account. 

Please note the account was closed 2 days after they mailed new cards for a reason I called to prevent, and before I had a chance to receive the cards. I called them immediately upon receiving the new cards in the mail. 

I am currently serving on XXXX XXXX with the XXXX and have served since XX/XX/XXXX. I read about another XXXX XXXX XXXX having his account re-opened with Capital One once they found out he served. Do I have any extra rights or ability to have my account re-considered since I have all the intent of using the account and do not want my average age of credit to take a hit with an unnecessary closure? 

I appreciate any and all help and thank you for your time and assistance.
Product: Debt collection

I closed my account with XXXX , under which I had a monthly plan at a cost around {$100.00} per month. Rather than a final bill of around {$100.00}, I was sent a bill for nearly {$500.00}. I requested an accounting of the balance, but no response was sent. 

After a few months, I was contacted by Credence Resource Management, a debt collector that has addresses in multiple states. I made the same request to them for an accounting of the charges. No information was provided. I requested that they remove their unsubstantiated claim from my credit report. After three months, they continue to report that I have an unpaid debt, which is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit card or prepaid card

Discover closed my credit card account XX/XX/20. They stated that I hadn't used the account in 6 months. I called and emailed Discover and asked them to reconsider their decision. Haven't gotten a reply. I have used this card in the past and was never late on payment.This closing of my account will most likely effect my credit score. Which is something that may effect other accounts.
Product: Checking or savings account

Deposited my Personal checks in my account, Chase shut my account and STOLE the XXXX XXXX DOLLARS!!! After the funds cleared the account they shut my account and unwilling to return my funds claiming that they can not verify im working for this employee ...