23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB - please see the information below - this is NOT a duplicate - I am requesting your assistance to get OCWEN to correct erroneous CREDIT Reports and charging late fees for payments made as agreed in the RESPA. This is NOT a duplicate request. Thanks XXXX XXXX Print complaint Submitted to the CFPB on XX/XX/XXXX PRODUCT Mortgage ISSUE Trouble during payment process We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT FOR CFPB : I do not believe just sending this complaint to OCWEN will resolve the issue. I have not seen anything different from my trying to resolve the issue directly with OCWEN. OCWEN clearly shows they began servicing my mortgage on XX/XX/XXXX, IAW the RESPA, and their records clearly shows ALL payments made on time with the right amount of mortgage payments. OCWEN continues to report Mortgage servicing by a PREVIOUS mortgage company and bases their records on WRONG information. IAW the RESPA OCWEN began servicing my Mortgage Loan on XX/XX/XXXX, NOT XX/XX/XXXX, through today,. OCWEN 's records and mine CLEARLY shows there has never been a late payment since XX/XX/XXXX. ALL payments always made as specified by OCWEN and ALWAYS before the required due date.There has never been a late payment to OCWEN. IAW verifiable records. PLEASE CORRECT : IF OCWEN cares to report to the CREDIT Bureau 's it should be CORRECT and IAW with the RESPA. from XX/XX/XXXX NOT XXXX, through today. There should NOT be any late charges because the monthly mortgage payments are always the CORRECT amount and always paid to OCWEN on time. AGAIN, OCWEN should be reporting for the period they serviced my mortgage, XX/XX/XXXX, IAW the RESPA from XX/XX/XXXX through today. XXXX began servicing my Mortgage on XX/XX/XXXX through XX/XX/XXXX. I have records showing the mortgage payment amounts to XXXX were specifically stated by XXXX and the specified amounts were always paid to XXXX on time, NEVER Late and always the amount specifically specified by XXXX. IF XXXX reports to the credit bureau 's it should be accurate. RECORDS clearly shows the CORRECT Mortgage amounts as specified by XXXX were always paid on time. Please correct the WRONG reporting. 

View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Marked as duplicate STATUS Marked as a duplicate complaint on XX/XX/XXXX
Product: Debt collection

Global credit and collection Corp took post dated funds out of my checking a account a week before the agreed date. I had called Global at the end of XXXX  and requested they take three payments out two of them being XXXX and the last payment being XXXX. They were to start the deduction on XX/XX/2019 and it be biweekly so the second payment t was to be on XX/XX/2019 and the last payment onXX/XX/2019. Global took the first payment out has agreed but the second payment was deducted on XX/XX/2019. I did not receive a notice regarding this until XX/XX/2019. This notice came in the mail with my XXXX  XXXX  documents and it does not have a post date on the envelope. The funds were withdrawn from my checking account on XX/XX/2019. Even the manager and representative said it was in their notes to deduct on XXXX and they didn’t know why it deducted on the XXXX the manger I spoke with said it was human error. I also know per the FDCPA they are not to deposit funds from a post dated payment early and have to send the intent to deposit letter 5-9 days before the deposit. Global has violated two regulations of the FDCPA. Since they did this I did request them to return my funds, which they did, and wipe the debt clean and be as paid in full, remove from my credit report, and send me a paid in full letter. Which they refused to do. I would like this company to be held accountable for not following FDCPA
Product: Mortgage

I call the servicer lender JP Morgan Chase bank on XXXX around XXXX. I was requesting information in regards the different options for exiting the forbearance program as I received an email from the service lender in previous days indicating to reach out to know about such options. The agent was misleading as she said quote " I can only provide information in regards other mortgage assistance option if you ( XXXX ) decline to the deferred ballon payment option ''. To which I reply saying " I am only calling to know about the mortgage assistance options, I did not call to make any decisions '' I told the agent that I did not understand why she couldn't provide the information and it was misleading to ask me to decline to the option of the deferred the ballon payment till the end of the term of the loan without knowing what were the other options available
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, a scammer advertised a XXXX XXXX for sale for {$450.00}. Scammer asked me to send half of the funds on shipment and the rest on delivery. Scammer presented a tracking number indicating shipment of item and had me send over {$220.00} over XXXX. Upon sending, I checked the tracking number and it was a fake tracking number. I asked the scammer why the tracking was not valid and they immediately stopped responding and deleted their account. I have full transcript of the conversations between myself and the scammer that I will attach. 

I immediately filed a dispute with both XXXX as well as my Bank, Ally Bank ( XXXX XXXX ) when this occurred on XX/XX/year>. I sent over all supporting documentation, including transcripts that detailed how the scammer scammed me to send over {$220.00} via XXXX and immediately stopped responding after I inquired about the fake tracking number ( The full transcript is attached ). Ally just concluded their investigation on XX/XX/year> saying that it was not a scam. However, it remains that I have been a victim of a scam and have lost {$220.00}.
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 XXXX : 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 XXXX5 USC 1681. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =============================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate. 


Account XXXX : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I went to cash my husbands tax refund on XXXX XXXX, they told me I wasnt able to unless I had an account with them so that same day I opened it and made the deposit. The day after I also despaired his work check and like two days later they emailed me that my account was restricted due to the payee not being the same as the account holder. So every time I called them they would tell me different things to do which I did all and now theyre telling me that the only way to verify my husband is by his phone number which doesnt show up. Now theyre saying that thats the only way to release funds and also that they cant return the funds to its original owner due to the checks already being cleared with chase which I think its ridiculous because if there is no way by verifying with the number then Im just gon na loose that money which is not a small amount
Product: Debt collection

get repeated calls from MRS Associates from XXXX and ask to be on the do not call list and they keep calling during bad times with covid-19 and I'm unemployed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, XXXX and Experian refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts properly they would see that the accounts don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX  credit history and legal actions will be taken. I have prove of what I said above about XXXX  NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. 
Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. 
While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. 
For Accounts : XXXX XXXXXXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Company Name : XXXX XXXX XXXX XXXX  Account XXXX Company Name : XXXX XXXX Account XXXX Company Name : XXXX XXXX GROW CREDIT, INC. 
Account XXXX Grow Credit XXXX  Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

For years now am having problems with identity theft. I have summit disputes to the credit bureaus but got no help.with XXXX I HAVE : 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 ) ALSO ON XXXX I HAVE : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX : XXXX : XXXX : XXXX  XXXX : XXXX XXXXXXXX XXXX : NEXT IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS REPORTING ME LATE BUT UNDER THE FTCA NO LATE PAYMENTS SHOULD BE REPORTED undr sections 15USC 1666B
Product: Debt collection

XXXX XXXX back to back calls from telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX left messages with each call XXXX XXXX calls from telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX left messages with each call XXXX XXXX calls from telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; left messages with each call Calls are often from the same person who tries to disguise their voice by faking a XXXX XXXX  or will become more terse in subsequent messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$500.00} UNIVERSITY OF XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED 1XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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
Product: Mortgage

I applied for NH Homeowner Assistance Fund ( HAF ) on XX/XX/XXXX ( I previously had help from them on XX/XX/XXXX to pay my mortgage ). On XX/XX/XXXX my application went into review. XXXX came around and it was still in review so i contacted HAF to see the status of my case. I was informed that I was approved, but M & T bank, my mortgage holder failed to fill out the amount past due on the V Record, causing it to fail. I have been calling weekly, both M & T and HAF and the same thing. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX twice M & T sent failing ( missing information ) V Records to HAF. HAF keeps telling me that they have been prepared to pay ( now including XXXX payment ) since XXXX, but M & T is keeping me from receiving my right to a federal grant. M & T has since been sending me foreclosure letters/default letters. I feel like they are trying to get me to take a higher percent mortgage redo because mine is only at 3.4 % right now. Everytime I speak with M & T now they record me saying I can not bring my account current today. I know M & T knows how to fill out the V Record correctly because they have already received payment from HAF for me. I feel M & T is being unethical and trying to strong arm us. Please help, I have already put in a complaint to the NH banking Department, which sent me to The NY state Department of financial services, which has now sent me to here.
Product: Credit reporting or other personal consumer reports

Equifax credit bureau has been reporting the wrong information on my credit report since XXXX I informed them that XXXX XXXX XXXX  is reporting an account on there that is not mine that was closed and never reopened have proof when I log into my online account on XXXX XXXX is the right account but on my credit report they're reporting the wrong account I've been telling them for 4 years that it's not the right account and they refuse to believe me they automatically believe XXXX XXXX without any proof it seems like they always take the big guy side XXXX XXXX is a XXXX XXXXr company they're reporting the wrong information on my credit report and I complain to all credit bureaus and they just refuse to believe me and they're not asking for any proof from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to acknowledge FTC report document. XX/XX/2020 Equifax refused to use FTC report and police report with out informing me. XX/XX/2020 Equifax agent stated my documents were not used due to not be valid there nothings was done. I was not informed of this via letter. XX/XX/2020 Equifax refused to use my documents to open an re investigation due to the documents are scanning correctly in their mail department. Again I was not informed via letter.
Product: Credit card or prepaid card

I have closed two secured Capital One Platinum Mastercards due to poor customer service i.e. locking me out of my accounts for 24 hours without any explanation. The accounts in reference are : account ending in XXXX and, account ending in XXXX. I have not received my two {$99.00} security deposits totaling {$190.00} back from the company, nor have I received any notification as to how, when, or even if the deposits will be returned. 

Please help. Thank you.
Product: Checking or savings account

Bank of America has fraudulently opened an account under my maiden name without my authorization. The debit card is being mailed to a residence I havent resided at in 7 years. I can not contact the company because I dont have the account number. I did not authorize this account and I do not have any accounts with Bank of America.
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. 
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 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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

i had the same issue with this company before the issue was never solved. i agee to a loan modification they signed the agreement i signed the agreement. the agreement now they are going back on agreement no taxes or insurance is supposed to come out of the payment they say my county says we were behind my county says they are lying
Product: Credit reporting or other personal consumer reports

Dear XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

My information such as my social security number and address and other personal information was breached in XX/XX/year> twice by two different companies. I put a freeze on my credit report as soon as I was informed in writing. I now have to check my credit report every week because XXXX, Experian and XXXX, Bankruptcies and debt collectors are sharing my personal information to third parties without my authorization and or written consent. According to 15 U.S.C. 1681 b ( 2 ), this is illegal. I would like to have all negative items removed from my credit report immediately.
Product: Student loan

I have been trying for years to work with XXXX XXXX to have {$5000.00} that was forgiven because my school closed taken off my account. It was taken off my account for a short while back in XX/XX/2008 but then that amount was put back onto my private student loan without a reason, so I kept trying and trying to reach customer service and get this taken care of but I just kept getting transferred to different people who could not help me after I had been told that it would be forgiven. So I contacted the attorney general as well and I included that letter.