23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen Loan Servicing acquired my current home loan. Previously, Ocwen reduced the mortgage payment to about {$1100.00} per month without me having to refinance. Recently, Ocwen increased my mortgage payment by a ridiculous {$800.00} extra per month. Now my current payments are {$1900.00}. Ocwen said this was due to an escrow shortgage.???. Anyway, I have been sacrificing to pay this outrageous amount for the past several months and I know the escrow shortage should be cleared up by now. I requested that my payments be lowered back to around {$1100.00} and was told that couldn't be guaranteed since the shortage amount had already been calculated and included in the remainder of the loan balance. Ocwen said that I could re-finance. I DO NOT want to refinance with Ocwen. I didn't refinance for them to lower my payment prior to this huge mortgage increase so I shouldn't have to refinance now. This will only add additional fees and increase the loan amount. I also received a notice from Ocwen stating they have PMI insurance on the loan. I want this removed to help lower the mortgage.payment.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX  XXXX, and I am disputing adverse credit information that was incurred as a result of my XXXX  situation. Under the Debt Bondage Repair Act ( Public Law XXXX, Division XXXX ), I have the right to have this information removed from my credit report. I have submitted a formal dispute to the credit bureaus ( [ list bureaus, e.g., Experian, XXXX, XXXX ] ) but have not received an appropriate resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were created or used without my consent under duress while I was under the control of traffickers. I am requesting the CFPBs assistance to ensure these items are removed promptly. I have attached supporting documentation, including proof of my initial dispute letter sent to the credit bureaus
Product: Debt collection

XX/XX/XXXX/ECMC is reporting false and inaccurate things on my credit report. They sent me a promissory note stating that I signed on it. I have attached the promissory note there is no eligible signature on there. There are just letters. This is not my account. Looking through the promissory note you can clearly see that there are other false and inaccurate information which is a violation according to 15 USC 1681. I attached the response that they sent me on the CFPB. I highlighted all my responses throughout this response. ECMC response violated many different laws. This is not my account this is inaccurate information on my credit report. Any inaccuraries on my report should be removed off of my consumer report. Any inaccurate or unverifiable information should be deleted off my credit report immediately according to 15 USC 1681 5 ( a ) ( 1 ) immediately! I have attached the promissory note, affidavit of Truth, ID and SSC, cease and desist letter.
Product: Credit card or prepaid card

I am disputing a charge for new flooring in the amount of {$9200.00} the charge was made on my Wells FargoXXXX credit card. My claim ID is XXXX. The floors were not installed properly and never finished. When I submitted the claim I was told it would take 60 days to resolve. It has been nearly 8 months since I submitted my claim. 
Prior to submitting the claim, I allowed the company, XXXX XXXX, an opportunity to fix the floors and they wanted to fix it with a stain marked. This is not an acceptable solution as the marker doesn't last and will come off with the first mop. The floors are ruined and can not be fixed. The floors need to be replaced. Glue has cured into the grooves and has left a white haze all over my new floors. 
The claim was submitted with XXXX XXXX before the job was ever finished. ( Claim number XXXX ) The company has been given multiple opportunities to fix the problem but the only way this can be fixed is to replace the floors. All I am asking for is a refund and I will have a more professional company redo their mistake.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted apple regarding a transaction that occurred in error. Ive attempted to get this issue resolved XXXX separate times and spoke with XXXX managers that ASSURED me it would be corrected. At first I was given a XXXX day turn around on XX/XX/XXXX. Then I had called back on XX/XX/XXXX I was given XXXX days then contacted them XX/XX/XXXX I was given XXXX days then I contacted once more at the beginning of XXXX and was told again XXXX days and they could not open the review because it was locked so there was nothing that could be done but was told extensive notes would be taken and just to wait it out. I advised I would be calling back or taking further action. I have waited XXXX more weeks with no response and now it has been reported to my credit bureau about this supposed transaction that doesnt exist. In my apple statement it shows Im negative {$2100.00} which isnt allowing me to get anything using my credit. I am unable to apply for anything at this time. Ruining my credit in the process and unable to use my card for any purpose but still having to pay it. I was charged {$2100.00} on XX/XX/XXXX. The reason being was my monthly payment was supposed to be taken out on that day I had contacted apple because I can not make that high of a payment so I asked to be switched to minimum payments and so it was done. I was refunded the {$2100.00} the following day with my bank and all that was needed to be done was this to be updated on my statement ; the error corrected. The minimum payment was {$88.00}. Instead I was charged the {$2100.00} exceeding my limit and causing it to be reported to my credit bureau. Every time Ive contacted apple theyve said it was an issue on their end with different time frames as to when this would be corrected. And as of today XX/XX/XXXX its still in review. I am unable to use my card as intended ; emergency purposes and Im still having to pay off a balance that isnt mine. In no time did I purchase anything of the amount of {$2100.00} which was disclosed of many times. I also asked about a temporary credit which was also denied as to the fact that my account was in review and locked.
Product: Vehicle loan or lease

Annual percentage XXXX finance charge XXXX. Credit acceptance told me i was financing XXXX i paid XXXX down. I am on a fixed income and the vehicle should be paid for but now they snuck in a XXXX on a used vehicle. I was unaware and now they want to take my vehicle i have paid over XXXX on! This is wrong and they need to be responsible for screwing people on XXXX over!
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) Discover Bank on XX/XX/XXXX under account number ( XXXX ) A auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX nder the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

In XXXX, XXXX XXXX XXXX and his wife XXXX XXXX XXXX looked at several houses and townhouses in XXXX, Alabama, XXXX, Alabama, and XXXX, Alabama and surrounding XXXX, Alabama XXXX area with a nice real estate lady named XXXX XXXX from XXXX XXXX and talked to a nice real estate finance man named XXXX XXXX from Quicken Loans in XXXX, Michigan. Unfortunately we were fighting and my wife of 25 years threatened me with divorce so we could not close on any real estate with XXXX XXXX XXXX XXXX or XXXX XXXX of Quicken Loans after I was approved for a Conventional VA 30 year loan. I was contacted by a mortgage fraud investigator from XXXX XXXX in XXXX and told them that XXXX XXXX XXXX and XXXX XXXX XXXX decided not to purchase any real estate in XXXXpresent.
Product: Credit card

I applied for a card that exoerian advertised as not causing a credit inquiry. 
I was approved, and then forwarded to " Ava '' where it became immediately clear that this was falsely advertised. 
I was told initially that I had a {$1000.00} credit limit. Then that I was being increased to {$4000.00}, and then {$2500.00}. In reality, it is only usable with specific vendors that work with Ava, of which you can choose XXXX per month, and use a maximum of {$25.00} " daily '' with a monthly cap of {$25.00}. 
While trying to close the account I was threatened that something bad would happen to my credit if I did. 
So I used {$25.00} to pay XXXX, a partner of theirs. 
Now it is time to pay Ava for that and while connecting any source of payment, they require that I give them permission to create some " consumer report '' which there is no description of, nor terms and conditions. Only a box to accept mote of their extortion and forced tactics in order to continue, or a cancel button. 
I refuse to allow them to create any sort of consumer report in order to pay them {$25.00} for what seems like some scheme to do something other than build or offer credit. 
They also seem to have my name confused. Although my account and " virtual '' spending card says XXXX, their emails have a name of " XXXX '' in the subject line. Ive asked them about this and received no response. 
Emails attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and get a new job and the information that is on my report is inaccurate and unknown to me. Addresses and names and information on all three agencies XXXX, XXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX , OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH : ( 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the negative information that appears on my credit report, as required by the Fair Credit Reporting Act ( FCRA ) section 611. 

There are several items on my report that are inaccurate and should be removed immediately to ensure the accuracy of my credit report. These items include : The name XXXX XXXX XXXX, which does not belong to me, is listed on my report. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The following addresses are listed on my report that do not belong to me : 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 This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The employer XXXX XXXX XXXX  is listed on my report, but I have never been employed by this company. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

Several accounts on my report, including DEPT OF EDXXXX ( account numbers XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have payment histories even though they have been charged off. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has inaccurate information regarding payment status, balance, comments, payment history, and account number. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

I request that these items be deleted from my report immediately in compliance with the FCRA. I also request that you provide me with a free copy of my credit report, as required by FCRA section 612. 

Thank you for your attention to this matter. 

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

This complaint is NOT A DUPLICATE COMPLAINT but a complaint because I do not receive explanations of refusal or denials for my complaints and requests from XX/XX/XXXX Transunion, and XX/XX/XXXX. Nothing. No letters of explanations, no phone calls, no reasoning, no positions ; nothing. I do receive letters from the Credit Reporting Agencies stating that they have forwarded to XXXX XXXX XXXX XXXX who claim that adhere to the Fair Credit Reporting Act ( FCRA ), by reviewing the accuracy and completeness of any disputed item. But they do not do this but simply rely upon XXXX XXXX XXXX XXXX who ignores and deletes all complaints and requests. I have made many complaints against XXXX XXXX XXXX XXXX regarding permissible permission to access my private information that led to a forged loan in XX/XX/2017. However EVERY ONE of my complaints and requests are deleted by simply labeling the requests as duplicate. THE PRIVILEGE OF RESPONDING IS EVEN TAKEN AWAY FROM ME WHEN THEY LABEL AS DUPLICATE. XX/XX/XXXX did send a copy of a forged BUT undated and incomplete application that I guess is their proof of permissible permission that clearly states at the top that incomplete applications are not to be processed. But they do not explain if this application was their proof of permissible permission and why they believe it is valid. Nothing. One of the Credit Reporting Agencies have claimed permissible permission is not required if the results were a loan that benefited me. I had to quickly point out that I received NOTHING from the loan that was a forgery plus I sent sheriffs reports, IRS fraud affidavit, information on the felon who did this but XXXX XXXX XX/XX/XXXXdeletes and the credit reporting agencies feel they fulfill their obligation by sending form letters. XX/XX/XXXX will without a doubt delete this complaint because they are a very big company that doesn't have to follow the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Any information that is not physically proven to be compliant to every and each or all of the client 's State and or federal reporting laws must be returned to compliance even should that requisite annulment of item 's reporting..No entity is with authority to retain or report any allegations not demonstrated by certificate of fact to be fully TRUE, CORRECT, COMPLETE, TIMELY.The account payments history is not accurate..RESIDENTIAL XXXX
Product: Debt collection

I have a debt for a total of {$780.00} being reported on my credit report from a company called XXXX XXXX XXXX, I have called them and sent them documents to remove it and all attempts have been unsuccessful. They told me the debt is from XXXX XXXX XXXX a visa credit card open in XXXX XXXX where Ive never been. Called XXXX XXXX XX/XX/XXXX, XXXX  I. Had a company called credit repair fixing my credit and they also were unsuccessful. XX/XX/XXXXI called again and still cant get it removed.
Product: Credit card

Made XXXX purchases on XXXX for furniture 4 days apart from each other Both purchases where over {$2000.00} which would qualify us to receive no interest if paid in full XXXX months One purchase has the correct promotion attached to it. And the other promotion does not. This is a huge error and I would like for this to be fixed immediately. 

We just noticed this happen today, as I went online to make a big payment of {$500.00} to the account and noticed that the balance did not look accurate. 

Only XX/XX/XXXX, I was charged {$480.00} in interest because of this. 

I contacted living spaces/synchrony bank today to fix the issue and they stated they did not have the ability to and didnt know why this error happened. 

I need someone to look into this issue please. We can not afford to pay interest and got this card because of the promotion advertised to us.
Product: Debt collection

They called my brother attempting to reach me when they never called me in the first place. I dont even know what the debt is or what it is even about. I have proof from my brother. And the screenshots. The company is called Credence Resource Management.
Product: Debt collection

American Express reported my credit accounts as charge-offs to the consumer reporting agencies. One of the debt, I received a mail from a collection agency as per the envelope, but it is actually a law firm on the letter head. I sent an a letter on XX/XX/23 requesting debt validation, I have yet to receive the information. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) RE : Reference # XXXX Even though these accounts are listed as charge offs, and some sold to debt collectors, American Express is still sending mail trying to collect the debt. Not to mention the fact, I never received no 1099-C from the company for any of these reported charge-offs. American Express also gave the consumer reporting agency a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX CA XXXX ) as one of my residential address. I have request it removed, because I never lived there, yet it is still listed on my XXXX and XXXX XXXX. It is obvious American Express is not adhering to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account I am not responsible for and would like to have it deleted from my credit report along with the inquiries I did not authorize
Product: Credit card

XXXX of XXXX I noticed I've been paying for reoccurring charges to businesses I do not use. 
Put in disputes that were denied and I locked my cards during this process. 
The same businesses were able to still charge my card and American express continued to let them do so after hours of phone call, police reports for disputes and incurring interested. My account was cancelled. Amex continued to run me around sending documents to them multiple times, sitting on the phone back and forth to countless people with no resolutions ever. just more paperwork police reports and things for me to do. All while Amex is still charging me. XXXX XXXX all my calls to Amex resulting in them telling me i was sent to collections. Collections company sends me a statement for a specific amount. Collections is not reporting to my credit report. Amex is reporting to my credit report, and the statement balance is increasing. They won't handle my disputes correctly and correct my balance due on an account that should have been cancelled and closed XXXX XXXX They are saying my account is in collections meanwhile holding my account open and charging me interest monthly.
Product: Mortgage

Redfin Mortgage handled our mortgage loan origination, and we were misled throughout. We were baited with appealing interest rates that they did not deliver, kept on the hook while they 'investigated " credit worthiness for weeks, only to be told they would stick to the original, flawed credit information that we had diligently corrected and for which we provided evidence. Being that the sale was scheduled to close a couple of days later, we were forced to stick with them instead of using a different lender. Throughout the process they kept losing documents and failing to convey information to the next person in the closing workflow. Only countless hours trying to fix their errors and laziness kept the closing on track.

After all of this, Redfin Mortgage transferred the loan to XXXX XXXX  dba XXXX XXXX, and they could not be bothered to pass on relevant information like our homeowners insurance policy. This resulted in the servicer, XXXX XXXX, threatening to charge us for high-priced, low-quality insurance. 

I would NEVER, EVER deal with Redfin Mortgage again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the late payment reporting on my account. I paid off my balance in full earlier before the loan original due date, yet the late payment reporting remains on my credit report. This is not accurate and reflects negatively on my XXXX XXXX. If not, I am requesting a full payment history.
Product: Student loan

I have XXXX in loans and the repayment plans maximize your interest. I am on a payment plan and I am getting no where with them. Each time I set up a payment plan, it maximizes the interest and nothing gets paid on the principal balance. While this is happening, I am still occurring Intrest even though I am paying on it every month. It 's hard to pay something off when you keep occurring charges.