23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I divorced my husband XXXX XXXX, XXXX. The divorce decree states that he must refinance the home we shared within sixty days. To date he has not, and I am told can not. On Monday XXXX XXXX, XXXX I applied for a personal loan for a vehicle and was told I am in foreclosure. I have missed XXXX payments on my mortgage so with further explaination I discovered it is my exhusbands house in foreclosure and I am still on the mortgage. When I divorced my husband the Mortgage holder was GMAC. Since this time he has a new mortgage company and has modified the loan and the lender named OCWEN is now the new mortgage company. I have received no communciation from this company, no notices of late payments, and now I find out XXXX XXXX, XXXX his home is going to Sheriff Sale. He owes XXXX and its valued at XXXX. How can this loan have been changed at all without my signature and approval? I called this company since they are listed now on my credit report and they will not speak to me, yet confirmed I am a liable party on the mortgage. This mortage company must have allowed him to make all of these changes without my signature. I am told you may be able to assist in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and exposed my personal information to the world. XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fullfill it legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failure to forward consumer provided evidence to furnishes accepting unreliable responses and failure to adequately notify consumers of dispute outcome. These failures align with my experience. Where Experian has neither corrected or removed the account from my report. I am requesting immediate corrective action to remove and amend the disputed account as Experian inaction violates federal laws and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing the following inaccuracies Account Status : Derogatory for all 3 bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. 
Last Reported dates are not consistent TransUnion - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Comments needs to be removes on all credit reporting agency TransUnion is reporting- this account was part of a XXXX XXXX ; wage earner plan account - never been apart of any bankruptcy. 

XXXX is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. 
This debt was never included in any in or discharged through Bankruptcy XXXX XXXX. 

XXXX is reporting- Account never involved in XXXX  XXXX debt adj. 
Account never was transferred or sold Never Included in XXXX XXXX Dates with last activity is all different for all three credit bureaus. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint filed in regards to Experian Credit Reporting Agency. 
I waited 2 months for a response and all I got was a long explanation explaining how the credit agency works and how scores are determined. This was not what I filed a complaint about. 

Please correct the error Experian made to my account. 
I filed a dispute with Experian. The dispute was in regards to the way EXPERIAN was reporting information they already had on my account. 
The dispute was directed, about, and sent to EXPERIAN regarding EXPERIAN. 
But when Experian recieved the dispute they apparently did not read it correctly and instead of correcting the way they where reporting this account on my credit history, they sent a notice to this old account at XXXX stating I was disputing this account even exsisted or that it was not mine! This was not what I was disputing. 
Therefor XXXX sent back to Experian confirmation of the account being mine, which Experian then reknewed this old account which had the devastating effect on my credit score dropping it by XXXX points! 
This error was made by Experian and Experian needs to add XXXX points back to my credit score due to the error they made! 

Experian was wrong in the way they where reporting this account on my credit history by adding the " CLOSED '' account information in with my " OPEN '' account information! 
My credit report states I have 5 open credit card accounts when I only have 4! 
and my current open account balances total less than {$1000.00}. EXPERIAN lists my debts on OPEN accounts to be over {$10000.00}! 


This figure and information are wrong! This is a Deceptive practice by Experian! 
I want it fixed ASAP! 


I have already attached numerous photos of the reporting error in my prior complaint regarding this matter. Please look to those if needed.
Product: Mortgage

I am submitting this complaint against PHH mortgage because, based on their history of refusing to communicate with me and sending correspondence to the wrong address I feel this may be the only way I can get information. I have also submitted notices of error to PHH with these concerns and a printout from my bank of all cashiers checks issued to PHH and the dates they cleared my bank. I recently discovered that PHH has applied only two of the payments I have made since XX/XX/2019 to my account. All of these payments have been made with cashiers checks so money has already been taken from my account, however only two of those checks have cleared my bank. None of the checks have been returned to me so as of today almost {$15000.00} of my money is missing. According to the information I have obtained from PHH my account balance has increased by almost XXXX since I signed a modification agreement in XXXX oXXXX XXXX. I believe this is because my payments have not been credited to my account and fees were improperly added to my account because of this. PHH recently began foreclosure proceedings because of a series of their own errors and because of that I was forced to apply for a new modification to stop the foreclosure. This new modification is based on the inaccurate account balance that has been determined based on their failure to properly apply my payments. 
I would like all of those payments immediately credited to my account or returned to me. Once the payments have been properly applied and fees added to my account because of PHHs errors removed, I believe I should be offered a new, affordable modification based on accurate information.
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. 

Account name # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Money transfer, virtual currency, or money service

Wells Fargo allowed someone other than myself to hack into my online banking on XX/XX/year> and do the following : * Change my password at XXXX XXXX  * Change my phone number at XXXX XXXX * Activate XXXX ( which I had previously disabled ) at XXXXXXXX XXXX * Add the XXXX email address at XXXXXXXX XXXX XXXX Make two XXXX transactions to the above email address of {$490.00} & {$500.00} from my Savings Account Wells Fargo has repeatedly denied the claim and refused to refund me my money as recent as XX/XX/year>. The incident on XX/XX/year> was the third time my Wells Fargo account ( s ) were hacked since XX/XX/year>. Two previously claims were approved and I received my funds back. 

Wells Fargo denied the XX/XX/year> claim saying the transactions were made by two devices recognized as being used in precious transactions. I asked for the device descriptions but was only provided two device numbers : XXXX & XXXX. I would like to know which devices these numbers correlate to. Wells Fargo refused to identify the two devices to me. 

I have since begun closing out Wells Fargo accounts and moving to another bank. 

I filed an active police report with the XXXX XXXX XXXX Florida Police Department ( Case # XXXX ) which is an ongoing active investigation.
Product: Debt collection

Good Afternoon, On XX/XX/2020 I reached out about KeyNote Consulting Inc and how they provided NO proof that I owe them anything. They have been reporting negatively on my credit report for years and I have attempted to work things out with them and this is my second attempt requesting assistance with CFPB. Any guidance would be greatly appreciated. 

Thank you.
Product: Debt collection

I routinely receive calls from XXXX XXXX XXXX. They leave name and last 4 of my social security number and state that they need to speak with me or my attorney and to -call them back at XXXX. Once I called back and spoke to a woman who stated it was an unpaid debt on a XXXX card. I have only had one XXXX 's card and it was resolved and paid via my debt Consolidator, with XXXX XXXX at XXXX and they arranged payment via Phillips & Cohen. The debt was consolidated and paid to the full agreement. I have been threatened that this will go to court, they are turning it to XXXX XXXX XXXX XXXX etc. I am tired of threats against something I have paid and resolved. I have given them my debt consolidators information XXXX times now and they just don't go away.
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 confidentiality under 15 USC 1681. Account name : XXXX/ Account # XXXX, ( XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX  XXXX # XXXX ( XXXX XXXX XXXXXXXX # XXXX ) U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Mortgage

We are the attorney firm representing XXXX XXXX and his family on the foreclosure case against him. 

Since XXXX, we have been submitting documents for a loan modification and providing every and all documents Fay Servicing has requested in a timely manner. We did so all the way through XX/XX/XXXX when our application was deemed complete and ready for underwriting to decide. 

At that point, our clients has a sale date scheduled for XX/XX/XXXX and I was informed that on XX/XX/XXXX our application was declined because it was within 37 days of the scheduled sale. A motion was filed to postpone the sale to allow underwriting sufficient time to complete the review. The motion was granted and the sale was postponed to XX/XX/XXXX. 

On XX/XX/XXXX I called AND emailed Fay to make sure they were aware of the cancelation and I was assured the review would be completed. Ever since, I have been mislead over and over, they said they escalated the file, they said it was under review, then they said it was not. Below a time line : XX/XX/XXXX Called and emailed Fay with the results of the motion so they could resume the review. 
XX/XX/XXXX A very rude agent told me our application had been deemed complete since XX/XX/XXXX and I would have an answer by XX/XX/XXXX. I emailed Fay servicing with this information. 
XXXX I was again told by Fay that the file was still being reviewed and they did not have an answer yet. 
XXXX the file was escalated to a Supervisor ( XXXX XXXX ) for the first time. I was advised I would receive an update the following Monday, XX/XX/XXXX XX/XX/XXXX I called and spoke with another Supervisor who told me our file was NEVER sent to underwriting and that she would do so then. That I should be counting 30 days from the foreclosure was canceled and not from XX/XX/XXXX. 
XX/XX/XXXX I called Fay for an update again to find out that on XX/XX/XXXX the file was denied because we were " within 37 days of the sale ''. 

The only possible reason this could have happened is that when the file was sent to underwriting for the second time ( late, as my multiple phone calls and emails were not addressed ), they did not review the account at all. The only thing they saw was a sale date and denied it without considering the escalations. 

We believe this to be unacceptable and not in good faith. We need our modification to be completed immediately as we have done absolutely everything that has been asked from us and the judge canceled the sale so they could give us an answer.
Product: Debt collection

Attached is Michigan drivers license obtained 4 months after moving to new residence from Prior parents home. As you can see its dated for XXXX which conflicts with the XX/XX/year> AARGON AGENCY INC is reporting as the ending date by multiple months. As previously reported AARGON AGENCY INC has fraudulently reported data and attached it to my account without any proper means of verification.
Product: Debt collection

THIS IS NOT A DUPLICATE COMPLAINT. This is a complaint about unfair business practices. 
I had two Capital One Credit Cards. I was paying monthly and my credit score was mid XXXX 's. The cards were stolen and used. I filed sheriff 's report and FTC Identity Theft reports. Payments were made by the thieves so card use could be continued, payments bounced, and the credit limit was exceeded. ( I yet to receive this information about the fraudulent payment method. ) I requested charges be removed but cards were charged off, balance reduced, and card debt was sold. The Capital One lady apologized and said there was nothing they could do. So now I have bad credit and law suits. I have been working on this for 3 years.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX account # XXXX
Product: Debt collection

they keep on harrassing for debt i do n't owe and threating me I have no business relationship with them I asked them for validation of debt they keep on harrassing me non stop.
Product: Debt collection

Cavalry Portfolio Service, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, XXXX  and XXXX credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested Cavalry Portfolio Service provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is not validation. ( see attached ) Cavalry Portfolio Services sent a letter to me dated XX/XX/XXXX attaching a copy of an old billing statement. I have made several attempts to contact the credit reporting agencies on ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX and each agency refuses to remove ... indicating Cavalry refuses. I would like this company Cavalry Portfolio Service to remove/delete the negative report against my SSN with all credit reporting agencies in regards to the laws and regulations of the FCRA. I should not be obligated to pay for the alleged debt. Thank you in advance.
Product: Money transfer, virtual currency, or money service

I requested a debit card from Paypal one and a half months ago, they sent it immediately but I never received it, have made them numerous calls but to no avail. Whenever I call Paypal I have to wait several minutes and they ask irrelevant several questions and have no answer to my problems. Plus they also do not have expedited or overnight shipping. I hope CFPB can resolve this issue.
Product: Credit reporting or other personal consumer reports

these hard inquiries don't belong to me hasn't being authorized by me and has to be removed also this as well thanks 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
Product: Credit reporting

TransUnion has kicked me out of the system for over two years I have had a username and pass code there has been problems ONGOING I have found a error recently and disputed with TransUnion they have kicked me off the system and or flaged my account causing me to jump hoops and preventing me from viewing and or getting my current status
Product: Checking or savings account

I used VENMO for all my banking and cash transactions. I was encouraged by VENMO to setup direct deposit and accept a debit card for my daily purchases. All worked well in the beginning. Two weeks ago I left for vacation and upon arrival at the hotel, my card and all debt transactions were blocked. I called VENMO, after waiting hours for their customer service to open. I was told my card was under suspicion of fraud. I notified them it was not fraud and all was good. VENMO then informed me they have no control over when the card would become active again and it would take another day for the release to occur, so that I could start using the card again. I had to leave and go back home, sleeping on the side of the road as I had no other funds available. All VENMO can do is say we are sorry but nothing we can do to help you. I closed the account immediately based on this horrible experience. This company should have some kind of procedure to release fraud alerts immediately. No other bank associated with a debit card would tell someone this! Is there some type of legal action I can take to recover my losses? Does VENMO have a legal obligation to make funds available immediately?
Product: Credit card or prepaid card

On Friday, XX/XX/XXXX, I purchased a XXXX prepaid visa gift card for the amount of $ XXXX with a {$5.00} activation fee from XXXX XXXX to use to pay a bill. I logged into the website fine the first time and saw that my money was there. Everything seemed fine at first, but after I set a PIN number, I was unable to log back into the website. I tried multiple times and each time I was told that my card number was invalid, despite me inputing it earlier. I am unable to reach customer service whatsoever despite calling multiple times. Upon further research I have learned that XXXX has a history of fraudulent activity and scams and I just want my money back and to never buy from this company again.
Product: Student loan

I am currently repaying a XXXX XXXX student loan of {$4000.00} ( Loan Group Number XXXX, Customer Identification Number XXXX ). I receive monthly statements from XXXX XXXX and make on-time monthly payments of {$82.00}. Recently, I have been receiving intimidating phone calls and letters from Navient regarding this student loan account. These communications threaten default actions against me for failing to make payments for the very same student loan for which I receive XXXX XXXX monthly statements and for which I continue to make monthly payments. I have spoken with Navient about this issue on more than one occasion, but they have not corrected this conflict within the billing process. As I understand it, Navient is a company that split off from XXXX XXXX in 2014 to take over XXXX XXXX 's federal loan servicing business and now handles the billing process. Apparently, some flaw in the corporate transition related to the handoff of student loan information between XXXX XXXX and Navient has created the situation I have been facing. This flawed condition in the NavientXXXX XXXX transaction must be remedied to end the Navient intimidating letters and phone calls and to prevent further unjust treatment of the victims of this flawed business transaction.
Product: Debt collection

Ive dispute the collection multiple times. Ive called & asked for the paperwork & received nothing. It wasnt a repo the car was stolen. They didnt give me an offer to retrieve the car. They sold the car & profit it as a loss & charged it off. Its reporting to my credit as late payment. Its been six years & nothing is being done. Ive asked for the 1099-c so i can report it as income since Chrysler Capital has written it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account DISCOVER BANK Date opened XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.