23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am filing this complaint against Ocwen Mortgage Services for misleading advertising and, moreover, for the mishandling of my mortgage Loan, neglecting to pay my homeowners policy from my impounded funds, destruction of my credit rating, personal financial damage and extreme XXXX. The deplorable reputation of Ocwen is no secret to those in financial circles but when their immoral business practices are up close and personal, it begs the question, why are these people still in business or at least why are they not sanctioned for a slogan that says " Helping Homeowners is What We Do. " 1 ) XXXX, 2015 Ocwen failed to pay my homeowners insurance causing it to be cancelled. After more than two months of lies about the payments being sent and numerous 3-way calls with the insurance agency and Ocwen, over two months later the agency received payment and the policy was reinstated. 
2 ) XX/XX/XXXX and XXXX, 2015 Ocwen failed to acknowledge XXXX mortgage payments from my bank bill pay account which were paid on time. After providing them bank documents, they acknowledged the XX/XX/XXXX but not the XX/XX/XXXX payment. Due to the extended time period my bank advised I place a stop payment on payment while the situation was reviewed and replace the payment. I complied. Meanwhile, I expressed my desire to work with Ocwen to resolve the issue so that my excellent credit rating would not be affected. I was lead to believe over the next two months that a letter would be generated internally for use with the credit reporting bureaus to mitigate any damage to my report by noting my consistent on time payment record and acknowledge a system error in funding my loan. After countless phone calls to various levels at Ocwen in their " escalation department '' I received a letter noting they ultimately considered the payment 30 days delinquent. Not only has this destroyed my credit rating I have worked my life to protect, it has impacted my ability to refinance and financially. Moreover, if I would be successful in a refinance opportunity I would now pay a higher interest rate. 

When Ocwen took over my loan from IndyMac I had no say in my loan being sold to Ocwen, Problems at the onset of their takeover, included three months for Ocwen to get my payment process resolved from the previous company. Again, there were no acknowledgement of payments that were transferred from IndyMac to. Ocwen. Ocwen came after me with threats while IndyMac maintained Ocwen had received the payments and had the dates to prove it. I was a victim then and I am still a victim because they simply wont do " the right thing '' by acknowledging their accountability and living up to their slogan.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

I am an immigrant that speaks XXXX. I am not fluent in English. In XX/XX/2020, I had XXXX to remove XXXX from my XXXX XXXX. My deceased husband, a United States citizen, created a credit obligation that I was unaware that he created. Then in XX/XX/2020, XXXXXXXX XXXX XXXX was performed on the XXXX XXXX. Again, my husband created a credit obligation that I was unaware of. My husband set up payments to be deducted from my account. Again, I was not aware of the arrangement made with Care Credit ( Sychrony Bank ). There supposedly was a promotion attached to the arrangement. No interest would be charged if the account was paid in full by a certain date. I was not aware of this arrangement. The first XXXX was paid down to {$130.00} on XX/XX/2020. This was during the period that my husband was XXXX, so he was unable to communicate in a lucid manner with me, his wife. The following XXXX, the bill owed to Sychrony Bank went from {$2800.00} to {$5700.00}. Since my husband told me that the bill had been paid to the XXXX XXXX  I was shocked at the added amount. All of the interest, including on the amount that I had already paid, was added to my bill. Attempts have been made to resolve the claim, but I was told that I would have to allow my account to go delinquent before Sychrony Bank could work out a settlement. Subsequent attempts have been made to settle but I was hung up on after being on the phone holding for over an hour. That was an attempt to run up a legal fee as I was in my attorney 's office for the telephone call. Several calls were attempted while at the attorney 's office, with each call, I was bounced from one agent to another with each saying the other could help deal with this issue. The company has all the documents that I would upload.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 2024
Product: Debt collection

Subject : Complaint Against XXXX XXXX XXXX for Unlawful Debt Collection Practices To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their improper and potentially unlawful debt collection practices. Below is a detailed account of my interactions with their representative, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692-1692p ) : Disclosure of Debt Details to a Third Party : On XX/XX/year>, at approximately XXXX XXXX, I received a call from a representative named XXXX. He stated that the debt in question was in my wifes name, XXXX XXXX, and proceeded to disclose the amount owed to me. 

Violation : Under the FDCPA, debt collectors are prohibited from sharing debt-related information with third parties who are not legally responsible for the debt ( 15 U.S.C. 1692c ( b ) ).

Unnecessary Collection Attempts Against Me : Despite confirming that the debt was not in my name, XXXX insisted on obtaining my personal information and questioned my decision not to assist my wife with the debt. This behavior was both harassing and intimidating. 

Violation : Harassment or abuse is prohibited under 15 U.S.C. 1692d. Additionally, attempting to collect a debt from an individual not responsible for the debt may violate 15 U.S.C. 1692f ( unfair practices ). 
Threats of Litigation : XXXX stated that litigation might be pursued by a local law firm to settle the debt. It was implied that legal action was imminent. However, no documentation or further clarification was provided. 

Violation : Threatening legal action that is not intended or can not be taken is prohibited under 15 U.S.C. 1692e ( 5 ) ( false or misleading representations ). 
Failure to Validate the Debt : When I requested validation of the debt, XXXX refused, claiming that the debt was not in my name. Despite this, the company continues to contact me daily about the matter.

Violation : Debt collectors are required to provide validation of the debt upon request within five days of initial communication ( 15 U.S.C. 1692g ). Refusing to do so while continuing collection efforts may violate 15 U.S.C. 1692f. 
Daily Harassment : I receive calls from XXXX XXXX XXXX every day, which is excessive and intended to intimidate. 

Violation : Excessive and repeated calls are considered harassment under 15 U.S.C. 1692d ( 5 ).

Based on the above, I believe that XXXX XXXX XXXX has engaged in deceptive, abusive, and illegal debt collection practices. 

Request for Action I respectfully request that the CFPB investigate these actions and ensure that XXXX XXXX XXXX is held accountable for their violations of the FDCPA. I would also appreciate any guidance on protecting myself and my family from further harassment. 

I have enclosed all relevant documentation, including a record of calls and notes from my interaction with the representative. If additional information is needed, please feel free to contact me at [ your phone number ] or [ your email address ]. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her XXXX XXXX is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account listed as XXXX XXXX & XXXX Account XXXX on my credit report says I am an authorized user, which I am not. I filed a dispute Report NumberXXXX with Experian on XX/XX/2020. I called the credit card company on XX/XX/2020 at XXXX XXXX XXXX and tried to resolve this issue. At that time they confirmed that my social security # was not in their system as a card holder. They also let me know that they couldnt help me without the full account number, which I do not have. I have the same name as my father, XXXX XXXX XXXX and I am certain the account belongs to my stepmother ( she even confirmed the balance that I shared. She even tried to call XXXX XXXX and resolve, though they let her know that they dont write letters to account holders saying who is or isnt on the account, which I was hoping to use to prove I am not an authorized account user on this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020, I have sent in information to Equifax to update my account information due to a whole name change ( legal  document to prove it ) and provided my social security card, drivers license, birth certificate, and legal name change decree with Equifax via fax to get my personal information updated. They unknowingly placed a block on my account and now I have no access to my credit score and they keep saying they have not received any faxed info from me for the personal information updates. I only found out about the block when I was trying to buy a car over a week ago. My XXXX and experience accounts are working just fine. Equifax continues to not help get my personal information updated.
Product: Checking or savings account

My complaint is on Citibank. 
XX/XX/2020 .I was paying my rent online and mistakenly overpaid {$3300.00} to XXXX company which I immediately canceled a few seconds after it was submitted. Called XXXX company to be certain and was given a photoshot that it certainly was. 
Called Citibank to make them aware and was told that since my pay was canceled ... it will be debited back to.me in 3 days. 
I waited 3 days. None Called Citibank again and was as asked if I want to dispute it dispute it. It's been past 3 days. 
I said yes I want to go for a dispute..was told it would take me 10 days.. it's already past 10 days today. 
XX/XX/XXXX today, and I called Citibank since the disputed amount still isnt back to my checking account.. mind you this now is half a.month ... 
I was told that i should have responded to an email from their dispute center which I havent received and was told that I had to respond back to dispute center to acknowledge that I want my issue disputed, and since I didnt, they disregarded my dispute I wasnt even told about this in my previous communication with Citibank, going forward i emailed Citibank disputes Department and was.adviced that I'll be getting a received your e.ail response. Over 12 hours has passed and I still didnt get get a response like received email by Citibank dispute Department. I checked my dispute center in mobile banking to see a record of my complaint .. none. That money is for my daughter 's tuition that I have worked hard for. Please help me get it bac k. I want Citibank to give me my hardearned money ( {$3300.00} ) back to my checking/debit account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX I am filling this CFPB complaint to request pursuant to FCRA 605 B ( 15 U.S.C 1681C-2 ) that Experian credit reporting agency, block information appearing on my consumer credit report. That is the result of Identity theft and fraud within four business days of receiving my complaint. This fraudulent, inaccurate, and false information consists of personal credit cards/loans. XXXX XXXX XX/XX/XXXX under the account number XXXX, I XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX under the account XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the collections in question as well as a copy of the consumer XXXX  credit report. Maintained by Experian which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you. They were not opened, made, or initiated by me. All aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX 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: Debt collection

inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the  XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

To their credit, Waypoint Resource Group LLC paid attention to the cease and desist letter my lawyer sent. Cybersecurity experts at both XXXX XXXX and XXXX have determined that perpetrators cloned my computer. This is a much bigger problem than a criminal stealing your name and social security number. My legal representative has contacted Waypoint Resource Group LLC and demanded that they remove the collection from my consumer credit reports, but this company is unrelenting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX  XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} BANK XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$25000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1300.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as correct the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX 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 XXXXXX/XX/XXXX