23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen is the serve provider for the mortgage. I can not verify nor can Ocwen but I believe the holder of the note is XXXX XXXX. The mortgage was purchased by the above companies from XXXX XXXX. It was a Home Affordable Modification Agreement processed after my divorce to my ex wife. In accordance to the divorce degree dated XXXX, I was asked to cooperate with her in getting the mod. The mod is solely in my name as was the original mortgage. However because XXXX XXXX knew of the divorce and the terms of the agreement they structured the modification to add the Federal Law XXXX 12 U.S. Code 1701j-3 allowing the mortgage to be assumable to my ex wife provided she was living there and the house was quit claimed to her. Both are fact as she has been living there, paying the mortgage and the house was quit claimed at the time of the divorce XXXX. Shortly thereafter the mortgage was purchased by XXXX XXXX and Ocwen became the service provider. Since XXXX I have been attempting to remove my name from the mortgage and have my ex wife assume the mortgage as stated in the federal law XXXX XXXX 12 U.S. Code 1701j-3. Ocwen sent me e mails claiming the mortgage was not assumable and they were not familiar with the federal law XXXX XXXX Act. After 2 years Ocwen acknowledged in writing that the mortgage was assumable under the federal XXXX XXXX XXXX. Ocwen issued an e mail to me stating that I would have to amend the terms of my divorce decree to allow such an assumption in accordance with the provisions of the XXXX XXXX XXXX. I have spent thousands of dollars in court and attorney 's fees to gain all the required doc 's Ocwen insisted I provide in the subject e mail to me. I e mail Ocwen on XXXX XXXX the information they required to remove my name from the mortgage by the federal law XXXX XXXX XXXX. Ocwen now has stated they will not remove my name without reason. I spoke to them again on XXXX XXXX, XXXX and they stated they may review it again. 
I am writing to the CFPB because I have done exactly what I was asked to do by Ocwen to remove my name and have spent thousand of dollars to get them to recognize a federal law. I also have read that the CFPB in XXXX ordered Ocwen to provide XXXX in relief for wrong doing. Part of the wrong doing was 1 ) Providing false or misleading reasons for denying 2 ) Failing to honor previously agree upon modifications with prior banks or servicers. I truly believe this is the case. In fact when you read the XXXX XXXX XXXX their is no mention of the decree having to state anything about an assumption. the law is written into the language of the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX account that are listed on my credit reports that are mines. I 've tried to have them remove from my credit repot several times no such luck. I contacted each company fraud department they stated that the send over the fraud information to each credit bureau. This has been going for a while. The company has stated the account are close for nonpayment to the XXXX accounts. 


Verily respectfully
Product: Credit reporting or other personal consumer reports

I have filed MULTIPLY disputes, with XXXX, XXXX and EXPERIAN and the same INACCURATE and NEGATIVE information continues to appear on my Credit File despite me submitting the necessary " supporting documents '' to prove it. As a result my credit score continues to fluctuate between XXXX - XXXX, -- which is horrific. 
Prior to the Identity Theft ( XXXX ) my score was in the XXXX range and it should be in the XXXX by now! 

I am dealing with a known HACKER and I strongly believe that he is RESPONSIBLE for somehow ALTERING my record. He has sent me FAKE Social Security Documents, I just had all the money drawn out my account XX/XX/XXXX, and for the life of me he continues to alter and POST INACCURATE info on my file with ALL three Credit Bureaus, -- and NO ONE IS ABLE TO STOP THIS FROM HAPPENING!!!

REVOLVING ACCOUNTS **INQUIRIES : 119, DEFINITELY NOT ME APPLYING FOR CREDIT -??? 

XXXX XXXX XXXX XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX XXXX XXXX XXXX XXXX XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX INSTALLMENTS ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened Oct 24, 2024 ) FRAUD ACCT I did not open nor do I have any knowledge of this accout whatsoever! 

XXXX XXXX XXXX XXXX XXXX XXXX : ( PAID IN FULL-XXXX  ) **JOB HISTORY : INCOMPLETE
Product: Vehicle loan or lease

I applied for consumer credit and am need of all of the records and files both private and public associated with such transaction. I am also claiming all rights, titles and interest to my application that was denied and want the check to be sent to XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Illinois XXXX in 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


1. XXXXdept of ed # 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 moreover 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: Checking or savings account

Re  : Fraudulent charge on Debit card and no support from bank On  X/XX/2017    my Debit card with BB  & T  was used fraudulently three times. This fraudulent activity caused my checking accounts available balance to drop significantly causing severe hardship. I contacte d BB  & T to report the fraud. They blocked and reissued my card and told me that was all they could do. When I told them of my hardship I was met with a regurgitated talking point that did not provide the smallest of assistance. On Saturday   XX/XX/XXXX  I wen t into a physical branch o f BB & T  and spoke with the Manager on duty. While she was very courteous, she could not provide any assistance, nor could she reach the Banks fraud department because they were, according to her, closed. I was told I would have to wait until Monday to speak with Fraud.   On Monday  X/X/2017    I calle d BB & T fr aud and was informed yet again there was nothing anyone could do to assist me. The fraudulent pending charges that were holding my available balance hostage would have to stay that way until it posted to my account is what I was informed. I asked repeatedly for a temporary credit to offset the fraudulent charges so I could buy my family the basics to survive the next several days and was informed that was not a possibility. I would have to suffer it would seem.   I am filing this complaint because  BB & T s hould have a policy in place that will assist people in my situation. It was not my fault there were fraudulent transactions made on my account. I safeguard my information as best as possible. When I asked the bank for help they would not do anything other than to try and sell me a line of credit to have as overdraft protection. Because they would not extend a temporary credit to my account that would have offset the fraudulent charges until they were reversed, I endured extreme hardship financially and emotionally.
Product: Student loan

Navient has repeatedly been calling my mother in law who is XXXX and when she did not answer, they started sending letters. Not once have they reached out to me or my husband. This is all a scam. They need to be stopped
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

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

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I went to XXXX XXXX XXXXXXXX in hopes of purchasing a new car. I was told that I would get a monthly note at or around {$600.00}. This was before my credit was ran, but the salemans and his supervisor advised that no matter what I would get that note. 

After my credit was ran, I was advised that I would then have to pay at or around {$700.00}. I expressed my dissapointment because I had already advised that I was in process of getting a home. I went car shopping because my current car needed major repairs and I feared the repairs would not be worth the money. 

Also, I only agreed for two lenders to check my credit. To present, I have 7 hard inquiries that was by XXXX  XXXX XXXXXXXX. They had no right to send my information to multiple sources.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have given you written unwritten verbal or non-Verbal, per 15 USC 6802. Effective immediately and indefenitly. 


Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX D.CXXXX XXXX Dear Sir or Madam, I am writing to formally file a complaint against several credit reporting agencies that are violating federal laws concerning consumer privacy and credit reporting. 

1. **Violation of 15 USC 6802** : These agencies are unlawfully reporting transaction history. Section 6802 of the Gramm-Leach-Bliley Act mandates that financial institutions must provide notice to consumers and an opportunity to opt-out before disclosing non-public personal information. The unauthorized reporting of transaction history by these credit reporting agencies constitutes a clear violation of this statute.

2. **Violation of 15 USC 6805** : The credit reporting agencies are failing to comply with the enforcement provisions outlined in Section 6805 of the Gramm-Leach-Bliley Act. This section requires agencies to enforce the provisions of the Act to ensure consumer information is protected. The continuous reporting of transaction history without proper consent further exacerbates this non-compliance.

3. **Violation of 16 CFR 313** : The credit reporting agencies are also in violation of 16 CFR 313, which governs the privacy of consumer financial information. Specifically, this regulation requires financial institutions to provide privacy notices to customers and prohibits the disclosure of nonpublic personal information to nonaffiliated third parties without proper consent.

4. **Privacy Act of 1974** : Additionally, under the Privacy Act of 1974, the act of charging off a debt should be considered as issuing a certificate of indebtedness, which is classified as income. This reporting must be removed from the credit reports as it inaccurately portrays the consumer 's financial standing and violates their rights under the Privacy Act. 

Reporting the Following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX XXXX XXXX
Product: Bank account or service

I opened a consumer account with PNC in XXXX of XXXX and was given a promotion that included reimbursement of all of non-PNC ATM fees " for life. '' The bank was offering that promotion because they did not have many branches in the DC area at that time. The offer seemed unusual to me, and as as a result I questioned the bank representative extensively about it. The PNC representative assured me that this could not change for the life of my account. PNC honored its contract from XXXX up until this past XXXX, when they changed its policy and started reimbursing only {$10.00} per month in ATM fees. I have spent a significant amount of time on the phone with PNC trying to get the bank to abide by its agreement but to no avail. I informed the representatives that if the bank refused to honor its contract I would file a complaint with the CFPB, but they refuse to take any action. Thus, this complaint. I do not want much - I just want PNC to live up to the offer the bank made to me in XXXX and that it honored for the 9 years that followed until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written a request to Transunion Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I pulled my consumer report on XX/XX/2023 and noticed a 30 day late payments and Inaccurate accounts reported. You are reporting inaccurate and invalidated information on my consumer reports Pursuant to FDCPA your company is to validate/ verify prior to placing the negative alleged late payment and inaccurate accounts on my consumer report. Furthermore, your company has violated federal law 15 usc 1681 ( b ) - permissible purpose for reporting this alleged negative late payment without my consent. Failure to furnish evidence that supports your claim I demand removal. Failure to remove I will sanction legal action for remedy.

Pursuant to 16 CFR 444.4 Unfair act of practice 15 USC 1681 ( b ) - I never gave them consent to report anything negative on your behalf Inaccurate Accounts
Inaccurate personal information 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 these particular laws. 1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions 2. 15 U.S. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate 5. 15 USC 1692 FDCPA I ask that all accounts listed be removed IMMEDIATELY due to an injustice, I am also aware that this has to be done in a timely matter. 


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
Product: Credit reporting or other personal consumer reports

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon
Product: Checking or savings account

Capital One told me to have a fraud. Somebody sends me the money, but I don't who are they and Capital One frozen all my account, and I can't get my money from my saving account. Now, I can't make a downpayment for my mortgage!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Overall summary : XXXX XXXX XXXX XXXX is the Mortgage company for XXXX XXXX and XXXX XXXX for the home on XXXX XXXX XXXX, XXXX AZ. At the end of the year, surplus for the escrow account was sent via check for {$490.00}. That check was stolen and was cashed by XXXX XXXX XXXX. He signed the names on the check and then signed it over to himself. Chase caught the fraud and has the money. 
XXXX. When reported to XXXX XXXX XXXX XXXX, they asked XXXX and XXXX to file a police report, which was done with the XXXX Police Department. It is case number : XXXX. XXXX XXXX XXXX XXXX got the police report but then said there is nothing that can be done since the money was paid out. They suggested I check with the bank that cashed the check. 
XXXX. XXXX went to Chase bank and spoke with a local bank XXXX, XXXX XXXX. She did confirm that the check was flagged for fraud and that the money was recovered from the fraudulent account. They did confirm that both XXXX XXXX and XXXX XXXX were the intended recipients. 
XXXX. Chase back refused to pay out the money and indicated that XXXX XXXX XXXX XXXX must cancel the check or claim it as fraud through the system. In a call between XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX said that XXXX XXXX XXXX bank has no policy do not do what XXXX is asking, but they can provide a letter stating what happened. ( Letter Attached below ) XXXX. The issue was escalated within Chase Bank to a branch complaint department. XXXX was assigned the case and can be reached at XXXX ext : XXXX. On XX/XX/XXXX he informed XXXX that without XXXX XXXX XXXX XXXX there is nothing more that can be done. When asked if I could get the denial in writing stating the reason, he said it was not Chase policy to send anything in writing to customers. 
XXXX. In multiple emails to XXXX asking for information, updates, and to provide information, XXXX never once responded to any emails. When asked, she said that it was against Chase policy to write emails to customers. 
XXXX. Bottom line : Chase has the Money. Chase knows it was XXXX. Chase knows it was intended for XXXX XXXX and XXXX XXXX. Chase will not pay out the money. Chase refuses to confirm the situation in writing but has verbally told XXXX XXXX, they will not pay the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested removal of an unverified debt multiple times and have not received any documentation or proof of the alleged debt. CACH , LLC is reporting a collection account on my XXXX  credit report in the amount of {$2100.00}, yet has never provided any verification or validation of the debt, nor responds to my requests for information on the debt. The account was investigated and deleted by XXXX  and XXXX, yet continues to be inaccurately reported XXXX. I have mailed validation request letters, along with copies of the deletion by the other credit bureaus, to XXXX  directly on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they refused to provide me with any documentation showing they have investigated and verified the account. I have also requested validation of the debt directly with CACH , LLC  on XX/XX/XXXX and XX/XX/XXXX but have received no response. This is a clear violation of my rights under Section 611 ( 5 ) ( A ) of the FCRA and the account must be deleted from my credit profile in order to accurately reflect my true credit history.
Product: Mortgage

On XX/XX/2021 I called XXXX XXXX XXXX NMLS # XXXX ) with NewRez LLC to only inquire on NewRez 's underwriting guidelines/policies/procedures concerning a " special piece of property '' that I own. I did not call XXXX XXXX to apply for a new loan. On this same day, XXXX XXXX was given my many questions, and he stated that he would get back with me with these answers. Later on XXXX sends me an email stating " thank you for applying for a mortgage with NewRez '', while ignoring my request to first answer my questions by email to me before any new loan was started. XXXX made an inquiry on my credit report without my permission. Three days later, I learn that XXXX has issued a " Statement of Credit Denial '' based on " Excessive Obligations in Relation to Income ''. I never sent XXXX any verified income documents. I did tell XXXX that I had additional income ; and that if needed, I could add my wife 's income ; which would qualify if added. XXXX never answered my questions by email to me. XXXX was so incompetent, that he attempted to call me many times by dialing a wrong phone number. I fear that XXXX has damaged my excellent credit score ( over 800 ) with this fraudulent credit denial. XXXX issued a CREDIT DENIAL simply to get rid of me ; and not answer my questions.
Product: Credit card

Between XXXX XXXX and XXXX XXXX there are XXXX charges to my card, in GA, XXXX in CA, XXXX in MN and XXXX in XXXX Total XXXX I contacted USAA. They refused to block my card. They refused to let me speak to a fraud investigation person. They said because I don't have a cell phone and they can't send a code, they couldn't help me. Refused to email it. I was given a ridiculous list to mail them, via USPS. Ex. Color picture of my drivers license, front/back etc. I don't own a cell phone, printer or computer. How do I even do that? Anyway, they need to stop this fraud, immediately, instead of refusing to help me. How long will charges continue to be put on my account? Please help me!
Product: Vehicle loan or lease

RE : securities fraud Greetings, I applied for credit extension with Mercedes Bens Financial services for an automobile, on XX/XX/2023, I extended credit to MERCEDES BENZ FINANCIAL SERVICES and I received a denial. I have the right to credit, regardless of the reasons MERCEDES BENZ FINANCIAL SERVICES and/or their XXXX  ( XXXX ) cite, MERCEDES BENZ FINANCIAL SERVICES does not lend or extend credit without first receiving my extension, I have reasons to believe MERCEDES BENZ FINANCIAL SERVICES XXXX false pretense are misusing my securities and withholding my access to my own credit in the sub account created on their books bearing my XXXX, which not only constitutes aggravated identity theft and misuse of securities as XXXX not receiving valuable consideration for that security, but provides that MERCEDES BENZ FINANCIAL SERVICES XXXX and knowingly furnished misinformation regarding my capacity to contract and discriminated against me, as per the letter received dated : XX/XX/2023 which is both proof and evidence that I have been discriminated against, MERCEDES BENZ FINANCIAL SERVICES NA LLC is XXXX EQUAL CREDIT OPPORTUNITY ACT, TRUTH IN LENDING ACT and CONSUMER PROTECTION ACT. 

Most importantly MERCEDES BENZ FINANCIAL SERVICES is not in compliance with their own SEC  fillings, if MERCEDES BENZ FINANCIAL SERVICES NA LLC wont honor their own prospectus it leaves me with no option than to transfer the complaint further to SEC and FTC as this is my last attempt to amicably resolve this matter.