23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen has been very hard to deal with. There is no communication between their different call centers. My home is at stake and I still have no clue who is managing my case. 

As per final order. 
1. Ocwen has not provided a SPOC2. Ocwen has not facilitated loan modification NPV values. 
3. Ocwen removed access to online e-submission portal4. Ocwen did not provide an independent reviewer. appeal is directed to ocwen. 
5. Ocwen did not provide NPV values on denial letter. 
6. Ocwen has very limited communication between its parties including law firm, law firm was called for contempt for missing and ignoring my communications as per judges orders. 
All I want is my modification approved and be able to keep my house for my family at a reasonable payment schedule. My hopes are on the ground in dealing with Ocwen.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following personal information to be in error :.
Product: Mortgage

I think it illegal for Select Portfolio Services to " claim / state '' ownership of a debt and report same about that debt while it is and has been in legal proceeding since 2010. The specific being a Quiet Title action taken against XXXX Bank Home Mortgage filed in XXXX XXXX by XXXX XXXX XXXX XXXX. of NY. ( See attached ) This action precludes any possible transfer of " debt '' or " claims of debt '' from XXXX Bank to SPS and thus, makes it impossible for SPS to have any say or standing in the matter. 

there is and has been a QUIET TITLE Action in court with XXXX in XXXX, NY XXXX XXXX XXXX XXXX since 2010 ( decision and Order Number XXXX by Judge XXXX XXXX XXXX ) So how can XXXX transfer something it does not legally own, furthermore, how can SPS claim to have rights? let alone publish such rights without legal standing? 

this is clearly criminal and potentially Identity theft XXXX
Product: Checking or savings account

I sent a XXXX payment to someone who scammed me. Website is XXXX  : XXXX  Phone # for the criminal who scammed me is XXXX and says his name is " XXXX XXXX '' XXXX 
Email he used to communicate me on was XXXX Email I sent the XXXX payment of {$750.00} to on XX/XX/22 at XXXX was XXXX I called US Bank XXXX XX/XX/22 at around XXXX to report this and wanted to see if I could get the charges reversed and they basically told me it was not their problem and they can't help. Which blows me away that in this time that an electronic transaction can not be traced and these criminals can not be brought to justice? Anyway the bank won't refund the money and I filed a XXXX scam report with XXXX, a local theft report with my police department, and planning on filing an internet crime with the FBI form. I also received an email from XXXX Bank this morning saying that " XXXX '' has changed his XXXX payment address and that I could no longer send him payment to that email if I wanted to. 
On a side note, once I had more time I researched other XXXX XXXX XXXX XXXX  and they all look just like this guys- my thought is that this scam may be further reaching than just this one guy. Also I had no idea that XXXX was not something we could get refunded with - I know XXXX that it is possible as well as CC 's so I just assumed XXXX would do the same but the bank pretty much told me it was not their problem and gave me no instructions on where to go so I had to start googling things which is how I found this CFPB site as well as the XXXX scam site.
Product: Debt collection

To whom it may concern. I have been trying to contact a collection agency by the named of Bullet Recovery to work out an affordable payment plan because theyve been taking large amounts from my paycheck since XX/XX/XXXX. Every two weeks they take approximately XXXX or XXXX a month. I cant afford this and Ive tried to contact them by leaving messages but no one will call me back. I went to a garnishment hearing and the judge told me to dispute this matter with them directly. In XXXX I went into the office and spoke with a worker whom I showed all the bills Ive occurred since the garnishment that I cant pay down because of this. She told me they would call me back but never did. Ive left messages including my number and they will not respond. I informed this company that I have children that need to eat and I can barely provide food. My rent is XXXX dollars so after the garnishment Im barely left with anything and have to decide if I can buy food with the remaining money or pay on a utility bill. The garnishment happened prior to XXXX and I was unable to get my kids gifts or make a XXXX dinner. Im behind on all by bills due to an extra XXXX being taken away every month. That amount is too high and close to my rent. Its like Im paying for another home. Ive told this company Im willing to make affordable monthly payments but I can not afford what they are taking. In XXXX, I was no longer working for the company Im employed at and the garnishment was to be released but they did not release it. When I started back work they were to resend the debit information and send new forms notifying me of a potential garnishment but they did not and went right into garnishing me. This is illegal and unfair business practices. Especially seeing Ive called to work out another arrangement. Most agency will work with you to resolve a debit if its creating a hardship. Im unsure why no one will call me back and the office is blatantly ignoring me when I truly cant afford this.
Product: Mortgage

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Re : Fifth Third Mortgage intentional delay of short sale of property Fifth Third Mortgage is intentionally delaying the short sale of my house in bad faith! We have submitted everything requested, more than once, and have been awaiting a decision since the submission of the Mortgage Assistance Application on XX/XX/2023 and the purchasing Contract on XX/XX/2023. We have repeatedly been advised that the file is with underwriting and that a final response would be received within a couple of weeks. A couple of weeks have now turned into 7 months!! We have repeatedly requested escalation of the decision and still no response. We call every week for months only to be told to leave a message and that a response would be received within a week or two. We last reached out to Fifth Third again on XX/XX/2023 and were advised that a supervisor would contact us same day or the next. It is now the end of the week and there has still been no communication from Fifth Third. It is apparent that Fifth Third is intentionally delaying the short sale! Both myself ( the seller ) and the potential buyer are frustrated and are both expending additional funds to maintain the property while awaiting the sale as well as temporary living arrangements while awaiting the sale. We have extended the contract several times awaiting Fifth Third and an additional extension may not be granted thus forfeiting the deal all together and having wasted months of money and time. Not to mention forcing the property into foreclosure which may be the actual intent of Fifth Third! Will you please assist and assess whatever consequences Firth Third may be due for this unprecedented delay!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have been trying to get a equifax with whom my identity has been compromised in their data breach to remove the fraudulent accounts. This company does not help and gives you the run around. I have heard the same thing from numerous individuals. I was included their data breach law suit and still they are giving me the run around. I will also be sub, XXXX XXXX  a complaint to the attorney generals office.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I inquired about XXXX XXXX XXXX I explained to the guy it was doubtful I would use it but he said if I didnt sign up right then then the discount wouldnt apply. Right after XXXX I emailed them and told them I wouldnt be using the service as it was too strenuous and I had had my ACL replaced ( which I told this to the guy when I signed up. He told me refunds were easy if I couldnt do the program ). I never used the program, I never consulted with their trainer or tried to get any advice. I never knew this was on my credit report until a few weeks ago when I received a letter from XXXX about a negative report on my XXXX report. After I launched a complaint, XXXX called me and said they would remove the charge as they could see I never used it. They didnt remove it, they wrote it off, which still has a negative effect on my credit. Please help! This charge was through Affirm that does their billing
Product: Student loan

Being charged an incorrect amount of interest and also the loan payments applied for the month of XXXX and XXXX of XXXX were distributed incorrectly. Called XXXX servicing ( XXXX XXXX XXXX XXXX XXXX ) customer service line twice to correct this error and sent several emails. The agents agreed to make the corrections, however, they never took place. I tried calling a third time on XX/XX/XXXX at XXXX Central time but their automated system did not provide the option to direct me to a customer service agent.
Product: Credit reporting or other personal consumer reports

I '' am writing you this letter regarding payments that were marked late by XXXX  for the following accounts on the following dates.. XXXX XXXX XXXX XXXX.. It is my understanding that per 15 u.s.c 1681 ( A ) ( 2 ) ( A ) ( 1 ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report payment history and late payments associated with payment history negatively impact, my consumer report and are considered as part of my transactions and experiences between me and your company.. 
Furthermore, I '' am requesting that you provide me with in writing the reasonable procedures { according to 15 u.s.c. 1666 ( B ) } That you have adopted to ensure that each period statement is mailed to me ( the consumer ) no later than 21 days before the payment due date, include all the information required by section 1637 ( B ) of title 15... 
You have 30 day from the date that you receive this latter, to provide me with this information in the allotted time given.. That i will assume that you can not verify the late payment on that date spacifled above.. 
Lacking reasonable to ensure this accuracy of my account and i would therefore request consumer reporting agency ( XXXX, TransUnion & XXXX ) or all that apply and updated the account to positives and remove the late payment from my account..
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Product: Debt collection

XXXX at quad Corp. deck collection agency in XXXX Iowa has repeatedly called myself and my husband trying to collect all debts from old hospital bills that have been paid. He usually waits between six and nine months and tries it again. He is been repeatedly told through writing and verbally not to contact my husband at work or on his phone, that he may contact me anytime on my phone. He repeatedly ignores these requests and does as he pleases
Product: Debt collection

Be it known to all who call themselves " government, '' their " courts, '' agents, and other parties, that I, XXXX XXXX, am a consumer whose consumer rights are to be protected by the FDCPA, TILA, and FCRA. I certify under penalty of perjury that the foregoing is true and correct. This statement of truth to be presented will display blatant acts of consumer rights protection violations and fraud against myself being a consumer by Time Investment Corporation T/A Time Financing Service located at XXXX XXXX XXXX XXXX, XXXX, NC, XXXX ; which will continuously be referred to as " Time Financing Service ''. Time Financing Service first violated federal per 15 USC 1692g ( a ) when on 8/13/2021 they failed to give prior notice of debt but instead chose to violate 15 USC 1692f by using unfair practices to collect a debt when the company filed a smalls claims suit against me at the XXXX County Courthouse located in XXXX NC. The sharing of this alleged debt with a 3rd party without prior consent from myself violates 15 USC 1692c ( b ). I also never gave Time financing Corporation prior consent to contact me about debt collection which violates 15 USC 1692c ( a ). The fact that time financing services is blatantly using deceptive means to attempt to collect an alleged debt violates 15 USC 1692e and has become harassment which violates 15 USC 1692d. I plan to report this harassment, slander, defamation of character, and violation of my consumer rights to the OCC, FTC, and NC State Attorney General office for the company 's poor and fraudulent practices when attempting to collect an alleged debt stemming from a consumer credit transaction. If Time Financing Services can not validate this debt then they must delete the account and stop all attempts to collect an alleged debt immediately to avoid the continuous violation of state and federal law that says I am not obligated to pay this alleged debt per public law chapter 48 stat. 112
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months, XX/XX/2019 to XX/XX/2019, Experian has lowered my credit score 21 points. It NEVER updates my score when balances are lowered. It constantly drops my score when balances show an increase, any minuscule increase. 
None of the other two agencies lowered my score below 800.  The discrepancy between the way all 3 report is appalling! There's a 30 point difference between XXXX and Experian..that 's absurd!
Product: Vehicle loan or lease

I have an auto loan with Capital One Auto Finance. I have had no late payments, and have at times paid extra on the account ( i.e. never more payments than 1 each month ; just extra amount in the single monthly payments ). I attempted to make a payment via the phone option on XX/XX/year> at the monthly due date, and received automatic response that a payment would not be accepted. This happened twice through 2 call attempts. I called and spoke with a person, who checked my account and verified that I would not be allowed to make a payment. I would have to wait until XXXX to pay again. I should be allowed to pay whatever amount equal to or greater than the assigned monthly payment each month at the due date. It appears unethical and possibly illegal to refuse to accept payment. Blocking monthly payments supports Capital One 's ability to charge interest at amounts unacceptable.
Product: Credit reporting or other personal consumer reports

I did a credit check and noticed that I had late payments on the account. XXXX XXXX XXXX  credit card # XXXX, according to different reports, they show an irregular manner, not specific, not exact and less fair, since in Experian it shows a default of 30 days in XX/XX/year>, XXXX 30 days in XX/XX/year> and and XXXX 60 days in XX/XX/year>. Violating Law 15 U.S. Cod 1681 e. This causes damage to my credit image and a large economic impact on me. I request that you please investigate and demand that this information be updated, leaving it clean and without late payments on this account.
Product: Credit card or prepaid card

I received in the mail unsolicited materials/advertisement from Lowe 's about a special sale and the opportunity for new account holders ( of Lowe 's Card ) to receive special discounts. I don't need a new credit card, have limits above XXXX on EACH of my cards and could easily pay cash. My husband and I were in the market for a new washer and drier, so I thought we would look at what they had to offer. 

I should tell you from the onset that I have a XXXX credit rating and a 40 year credit history. 
I am a XXXX and XXXX University and make a very solid XXXX figure salary. 

When I finally received my card, it took a bit, as like many people I have a fraud alert on my credit so no one can access my credit. I did forget about this, so I had to work with credit agencies. 

The cost of the washer and drier is about XXXX. The card, issued by Synchrony Bank, was for a credit limit of XXXX. 
As I indicated above, I am not some recent college grad. There is NO reason why the bank would do this. Who doesn't want to do business with me. 
This is a discrimination issue ... loud and clear. Anyone at the bank could have look at my credit history. This is a sham!! 

I appreciate your help in this matter XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit .it is my understanding that you will investigate these items for me to ensure accuracy .here is the item i am asking you to verify as accurate : XXXX XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Experian XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a T.J. Max credit card. It was my first credit card and I had no idea they were charging me 28 % interest. So when I hurt my foot and could not work, I fell behind. The interest and late fees are astonomical. I called to ask if they could delay or set up a reasonable plan to help me catch up, but they won't do anything. I closed my account, but still have this huge bill. The interest and late fees are most likely more than any purchases I ever made. I feel they are double charging me interest, and it is so complicated, I can't figure out what is the correct interest. Companies like this should be outlawed to protect people like me who work hard, but do not have a substantial income.
Product: Mortgage

*****NEW EVIDENCE FROM XXXX XXXX CEO XXXX XXXX ... .. HE WAS THE ORIGINAL MORTGAGE BROKER ... HE CONFIRMED HE SUBMITTED PROPER ESCROW AMOUNTS TO XXXX XXXX ... AND XXXX XXXX COMITTED LOAN ORIGINATION FRAUD IN DIRECT VIOLATION OF THE TRUTH IN LENDING ACT BY CHANGING THE AMOUNTS THEY MADE THE PAYMENT APPEAR LOWER TO THE BORROWER ... AND THEY DECIEVED THE ELDERLY XXXX YEAR OLD VICTIMS**** ***XXXX XXXX AND NATIONSTAR ( WHO XXXX XXXX SOLD THIS LOAN TO ) HAVE BEEN ACTIVELY CONSPIRING TO DEFRAUD THE U.S. GOV ... MORTGAGE INSURANCE ... AND CONSUMERS IN DIRECT VIOLATION OF COUNTLESS LAWS*** NATIONSTAR IS FULLY AWARE OF THIS LOAN ORIGINATION FRAUD AND THE LATER ESCROW FRAUD AND HAS BEEN FOR SEVERAL YEARS AS WE SOUGHT CIVIL RESOLUTION WITH A BASIC REQUEST TO HONOR OUR RIGHTS*** XXXX XXXX COACHED XXXX XXXX TO CONSPIRE AND ENABLE THIS FRAUD WHILE HE WAS EMPLOYED AT NATIONSTAR ( XXXX XXXX   NOW WORKS FOR XXXX  AS A VICE PRESIDENT ... ALSO FOR A COMPANY CALLED XXXX XXXX ACCORDING TO HIS VOICEMAIL ) ***WE ARE MOVING FORWARD IN A COURT OF LAW ON THE CIVIL SIDE BUT I ALSO WANT TO SEE CRIMINAL PROSECUTION AND FINES FOR A CORPORATE CULTURE THAT FEELS IT IS ABOVE THE LAW***YOU HAVE LOAN FRAUD, ESCROW FRAUD, WIRE FRAUD, THEFT OF PRINCIPAL WITHOUT PROPER CREDIT, MAIL FRAUD, CONSPIRACY TO DEFRAUD U.S. GOVERNMENT ( BY STEALING HOMES AND LLEGALLY COLLECTING FEDERALLY BACKED INSURANCE PAYMENTS ) ALL PROVEN AND I HAVE THE EVIDENCE TO SUPPORT IT IN ANY COURTROOM*** I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting or other personal consumer reports

I requested to all XXXX credit bureaus to remove all information that is not related to me