23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Troubles Ocwen Loan Servicing, the white collar crime operation, and its outside attorney XXXX XXXX are offering me hundreds of thousands of dollars in a increased balloon payment loan modification with thousands in increased bogus mortgage payments to embezzle my property to increase its revenue. I will provide the court with evidence of the pretender lender loan servicers years of embezzlement crimes and I will bring in my law enforcement witnesses and physicians who will testify under oath which will bring the white collar crime pretender lender loan servicer to justice. Discovery is happening very soon : ) I am still waiting for the questionable CFPB agency to take enforcement action against Ocwen Loan Servicing, the pretender lender loan servicer that has many years of white collar crimes swept under its smelly carpet. I reject the fraudulent loan modification attached.
Product: Checking or savings account

XXXX XXXX XXXX XXXX {$13.00} XXXX XXXX XXXX XXXX {$19.00} XXXX XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX {$32.00} XXXX XXXX XXXX {$32.00} XXXX XXXX XXXX {$38.00} XXXX XXXX XXXX XXXX {$32.00} I called and reported these charges to XXXX and they only credited me back the {$66.00} XXXX received a letter stating that it was an error but never reimbursed for the others also XXXX sent a check to my old address
Product: Debt collection

So-called Creditor is in direct violation of FDCPA, FCRA and has not supplied XXXX / XXXX XXXX.
Product: Credit card or prepaid card

I have filed dispute charges several times for unauthorized charges on my capital one credit card. I have made several attempts to cancel my crunch fitness gym membership dating back in XXXX. XXXX XXXX refused to cancel. 

So, I contacted my capital one credit card submitting charge disputes. I provided information of the situation, such that they removed the charges from the credit card. Additionally they communicated they would block all future charges from crunch fitness gym. 

However, I see the charges removed from my credit card by crunch fitness, but, a new charge has taken place from crunch fitness in the amount of XXXX. Therefore, they did not block nor prevent any future charges. 

I have contacted capital one several times today, where I am not getting through, much less getting this matter with crunch fitness resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Jet Blue Barclays credit card and their inaccurate reporting of my account to the credit bureaus. 

I have submitted multiple complaints to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of which have been changed to reflect 60 days late for XX/XX/XXXX, then gone to 30 days late, then gone back to 60 days late. None of the investigations are taking my submitted information and proof of payment into consideration to see this reporting is incorrect. My payments are due on the XXXX of every month. I paid XXXX payment on XX/XX/XXXX. Which was late but not 30 days late. Barclays still reported this to be 30 days late. I sent XXXX proof of my payment date along with proof of my payment from Barclays on the XXXX. 

I have also contacted Barclays credit card on XX/XX/XXXX and spoke with an account XXXX XXXX, who looked into my account and said ON A RECORDED LINE that the reporting was inaccurate and she was putting notes on the account to have the 60 day late reporting changed and sent to the bureaus as well as waive the late fees on the account. This was on XX/XX/XXXX and she stated that Barclays was to be reporting on the next day on XX/XX/XXXX. She also stated that she didn't know when the bureau will update the information but that Barclays was sending the corrections. I also asked her to send me a hard copy letter stating this information, sash said she was having this letter sent. 

I have waited for the next update of my credit report from XXXX and nothing was changed to reflect the new information. I called Barclays Bank on XX/XX/XXXX and spoke with XXXX ID # XXXX, who again reviewed my account and said she sees where the late fees where waived and a letter was sent but can not see what else was discussed. I asked to have the phone conversation pulled to confirm the conversation snd the promise I was given b XXXX on XX/XX/XXXX. She put me on hold to see if a manger could review the call. After a few minute wait she said she was told that she needed to put in a complaint request to have the call log pulled and reviewed. My complaint # is XXXX and I was told that a manager will call me back within 5-7 days. 

I went on my XXXX report again today and it is now again changed to reflect 60 days late for the month of XXXX of XXXX which changed from the previous 30 days late from the last investigation 10 days ago. This is a nightmare and there is no one to get ahold of at XXXX. The phone call just keeps going around and around with no way to get anyone on the phone. Barclays is giving me the run around and at the end of the day it is the consumer who is paying the prove for 7 years. 

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
Product: Checking or savings account

I spent XXXX weeks in XXXX recently. During the latter parts of my trip we were in XXXX. During XX/XX/XXXX I lost my card in XXXX and during that time there was a XXXX $ charge made on my card. Due to not wanting to be stuck in XXXX with no money I didnt freeze the account. The same situation happened on XX/XX/XXXX where there was an unauthorized charge for XXXX $ on my account. I got a fraud alert for that charge. XX/XX/XXXX I went to my local chase bank and asked to submit a claim for the XXXX charges. They submitted it for me. 4 days later I get a notice my claim was denied and after calling I find out it was due to me having other transactions made in the city during the same day. I also was dont I can not refile due to the fact that I was able to retrieve my card at the end of the trip.
Product: Payday loan, title loan, personal loan, or advance loan

As a follow-up to my fax to Citibank ( XXXX XX/XX/year> ), I requested that Citibank refund to me {$310.00} ( {$160.00} signature loan payment of XX/XX/year> + {$150.00} signature loan payment of XX/XX/year> ). The amount requested was related to a delay in properly posting a check to pay off my Checking Plus Line of Credit. 

Citibank 's Executive Response Unit CERU responded to my initial request/fax ( dated XX/XX/year> ). The posting of a previously received and deposited check, in the amount of {$4900.00}, to pay off my Checking Plus Line of Credit finally occurred after almost two months of delay. 

I received a follow-up call from a Citibank representative on Friday, XX/XX/year>, at XXXX. During the 6-minute call, from ( XXXX ) XXXX, I explained that I was not made whole from the delay in posting the payoff check because Citibank : ( 1 ) Withdrew a {$160.00} loan payment on XX/XX/year>, prior to paying off the line of credit, noting that Citi received and [ improperly ] deposited the payoff check on XX/XX/year> ; and ( 2 ) Withdrew a {$150.00} loan payment on XX/XX/year>, prior to paying off the line of credit, noting that Citi received and [ improperly ] deposited the payoff check on XX/XX/year>. 

The Citibank representative understood each of my points, she agreed to research the matter, and told me to expect another follow-up call in approximately 10 business days. 

A second follow-up call occurred on Friday, XX/XX/year>, with a different Citibank representative XXXX During the 14-minute call, from ( XXXX ) XXXX, the Citi representative clearly conveyed the message that it was my fault that the payoff was delayed. She also stated that there was no record that my faxes of XX/XX/year> and XX/XX/year> were received by Citi. Notwithstanding the fact that I have a confirmation receipt for each fax sent to XXXX on XX/XX/year> and XX/XX/year>, and I included the receipts in my fax of XX/XX/year>, the Citibank representative continued to press the point that the entire matter was my fault. 

And even though the Citibank representative was not able to confirm that the fax machine possibly was not working or perhaps was not continuously monitored for the receipt of documents, she agreed to research the matter and reach out to me within 10-15 business days. As of the filing of this complaint, I have not received a follow-up call from the Citibank representative and I do not expect to receive her call.
Product: Credit card

Wells Fargo was included in our bankruptcy yet they continue to update with a balance and negative account every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has once again furnished ficticious and derogatory information to lender " XXXX ''. They provided a falsely low credit score and other false information as well, to assure a denial by XXXX, which they did.
Product: Mortgage

I notified Fifth Third bank in XX/XX/XXXX and advised that my pay check with being garnished via my husband at the time hospital bill. and that i would not make enough due to being the only one working due to the brain injury for my husband at the time. I filled out a Hardship application and was denied but continued to make the monthly payments as well as I could. I continued to make payments until XX/XX/XXXX when i was told they would not take my payment and to call the fifth third bank in XXXX. At that time i was advised that i was late so many times on my payment and that they would not except anything but the full past due payment or my account would go for foreclose. 
I have been back and forth filling out hardship applications with fifth third and on XX/XX/XXXX they sent me 3 of my last monthly payments back to me. I still have that check. 
I now have been denied again for the hardship change to my loan and they are advising me that they are going thru with the foreclosure. 

I feel that fifth third is not working with my and i have followed all their steps to prevent this from happening When i call i never get the same answer from the representatives on the phone and no one can tell me what is going on and what needs to be done.
Product: Mortgage

I Entered into a forbearance program due to XXXX with my Mortgage company Truist. As the forbearance XXXX started to come to an end I reached out to Truist and informed them I had applied for the SC cares act homeowner rescue program at which time I was advised by one of there home preservation specialist to wait until I had confirmation if I was accepted or not in the program and then call them back and let them know. Instead they immediately moved forward and tried to foreclose on my home. Upon being notified I was accepted into the homeowners program and immediately contacted the the lender at which time a stay was put on the foreclosure until mid XXXX so they could verify and receive the funds. 
I received confirmation that the funds were sent to the lender in the amount of {$23000.00} on XX/XX/XXXX of XXXX Ive tried calling the lender to see if the funds have been applied at which time I was told they have not received the funds yet. I called again in XXXX and asked if they had received the funds yet at which time I was told no they still have not received the funds and it wasnt until yesterday that I got confirmation from them that they did receive the funds and they have notes in their system from XX/XX/XXXX when the funds were received however they have yet to apply them to my account. so in the meantime they have begun the foreclosure process again and I have been getting harassing phone calls as well as process servers showing up to my house calling me trying to serve papers on me. All while The lender has had The funds in their account for over two months and has yet to apply them to bring my account whole instead theyve just sat on them. This constant harassment has brought undue stress and much aggravation to me all because of their inability to do their job and apply the funds in a timely fashion and this isnt the first instance Ive had issues with SunTrust/ Truist XXXX What They are doing is criminal and uncalled for and they need to be held accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported on my consumer report that I did not pay them. I filed a police report because I did not receive the product ( tires ) that was initially financed. I sent them the police report and they still have yet to remove this account from my consumer report. I feel like I am being taken advantage of because I did not benefit from this transaction. I never received any product from this company
Product: Credit reporting

Per attached letters from XXXX my account was only XXXX time XXXX late and XXXX XXXX was open from XXXX to XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.
Product: Consumer Loan

Reference account : XXXX. We just took out a personal loan with Regions Bank this past month and received a letter this past week we have been turned over to collections and may be reported to the XXXX credit bureaus. Our issues : ( 1 ) This is the first letter received, ( 2 ) it is not clear if this letter relates to the loan we just took out, but assume it is since we know of nothing else owed to Regions, and ( 3 ) the local bank officer who did the paperwork stated our first payment was due by XXXX XXXX ( next Monday ).
Product: Checking or savings account

Wells Fargo receive an order from XXXX XXXX XXXX XXXX XXXX XXXX account for XXXXXXXX XXXX XXXX XXXX XXXX  I am the XXXXXXXX XXXX XXXX on the Account. I transferred {$20.00} into the account on XX/XX/XXXX. The levy was received on XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Wells Fargo processed and enforced the order as if XXXX is a Massachusetts resident refusing to account for the state of Arizona exemptions and protections. I spoke with a representative on XX/XX/XXXX and informed her that they previously sent an order and it was processed correctly but this time they have illegally processed it and she stated it is because the order is from Massachusetts so it is how its processed. I informed her that Arizona exempts the first {$300.00} in the account and Wells Fargo legal team should be fully aware of this and she stated that she spoke with her supervisor and couldnt speak with me about the order.
Product: Vehicle loan or lease

Car was paid off late XXXX/early part of XX/XX/2019 and company refuses to release lien. Multiple visits to DMV have been made in vain and multiple calls to Santander have been made in attempt to get them to release the lien. Santander keeps giving me the run around saying they have sent me a document sufficient for the DMV to release lien their lien and the DMA has advised more then once that Santander has to release the lien on their side. Do to Santander not releasing lien on vehicle on a timely manner they cause me to be in a financial bind regarding my bills. Car was to be sold but multiple deals have fallen through because a Santander has refused to release lien. I cant sale a car without a CLEAR TITLE
Product: Credit card

Someone unknown to me was able to hack my account, change my address and phone number on the account and had a new credit card sent to a different address XXXX XXXX that is not mine. This card was fraudulently used many times in the month of XX/XX/year> totaling {$1200.00}. I contacted Ignite credit card company in a timely manner to dispute the charges however Ignite refuses to credit these fraudulent charges on my account. Ignite is aware that my account was hacked and a credit card was issued to a different address. I have a police report filed for this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXXXXXX {$2400.00} XXXX XXXX XXXX XXXX {$2100.00}
Product: Debt collection

COMPLAINT AGAINST : ARS ACCOUNT RESOLUTION = XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX AMOUNT IS : {$1500.00} SINCE XX/XX/2020 I HAVE BEEN SENDING DOCUMENTATIONS SUPPORTING THAT THIS DEBT IN THIS COLLECTION COMPANY IS NOT MINE.ALL REQUIRED DOCUMENTS BEEN RECEIVED BY THEM ALONG WITH WEEKLY REQUESTS TO REMOVE THE DEROGATORY COLLECTION DEBT FROM ALL 3 CREDIT BUREAUS. 
I HAD 27 COLLECTIONS RESULTED THE IDENTITY THEFT IVE ENDURED AND THEY ALL WORKED WITH ME AND TERMINATED THE DEPILATORIES REPORTING TO THE BUREAUS EXCEPT THIS COLLECTION. 
I'M IN THE MIDDLE OF CLOSING ON A HOUSE AND THAT STOPS ME FROM MOVING FORWARD. 
I AM WILLING TO TAKE ANY LEGAL ACTIONS AGAINST THIS COMPANY IF NECESSARY. 

THANK YOU SO MUCH XXXX XXXX
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 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Type : XXXX XXXX XXXX Status : Discharged Date Filed/Reported:XXXX Reference # XXXX Closing Date:XX/XX/XXXX Asset Amount : {$0.00} Court : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Liability : {$0.00} Exempt Amount : {$0.00} 15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report agency XXXX 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 XXXX years. 

XXXX USC XXXX ( a ) ( XXXX ) 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, credit repair services, or other personal consumer reports

I reached out to all three ( 3 ) credit bureaus XXXX, XXXX and Equifax ragarding two ( 2 ) accounts reporting delinquent and derogatory on my credit file. The creditor is XXXX XXXX XXXX XXXX. I dont owe XXXX XXXXXXXX XXXX XXXX XXXX money I have a {$0.00} balance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( representative there XXXX XXXX promised me that both negative reporting account from XXXX XXXX XXXX XXXX would show an update to {$0.00} and they would request each credit bureau to remove both accounts from my credit file and it has not been done by XXXX, Equifax and XXXX. Each bureau is still showing I have a balance and I dont I paid both accounts off in full. I understand that each credit bureau is getting paid to report negative items which is unlawful. I want both of these items zeroed off and removed from all my credit file immediately. If accounts are not removed I will be contacting and attorney for XXXX XXXX XXXX XXXX and their negligence and each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Attempted to temporarily lift a credit freeze from all 3 credit bureaus using their websites in order to allow mortgage lender to check credit. None of them worked in spite of confirmations received that the freeze was lifted. Lender was unable to check credit. 

Calling them is difficult and frustrating. Their verification questions are old and improperly done. For example ; " which of the following was one of your employers? '' My wife and I were XXXX XXXX XXXX  but one of the choices was " XXXX '' which neither a word or an " employer '' so when you answer none of the above the whole online process ends and you have to send a form via snail mail requesting a pin which is returned to you via snail mail. This introduces significant delay and potential increases in loan costs. 

These companies have total control of our lives when it comes to credit. Their systems are archaic, call centers staffed with agents who are difficult to understand and their processes are very inefficient. 

They are not government agencies but they in effect have authority approaching that of the IRS as they can control everyone 's financial life. Far too much power to rest with 3 companies with no recourse to hold them accountable to the people whose lives they affect.
Product: Debt collection

Nationstar was sued by CFPB for not allowing modifications and for taking trial payments and not honoring or completing and responding to the borrower or successor in interest ( according to reg X and Z as amended recently in XXXX ). 
XXXX XXXX has a jugment that is NON COLLECTIBLE for many reasons the debt has been XXXX as of when it was issued with people who are not in title in XXXX. In XXXX ( see attached ) XXXX XXXX and XXXX XXXX were not in title to be able to encumber a property where they no longer have equity titltle. The title to XXXX XXXX was given in a special warranty deed to XXXX XXXX, who payed for her real estate contract for the pendency of the trial under the false pretenses that Natiostar is going to do a assumption/modification of the ORIGINAL XXXX XXXX as per the origivnal real estate contract. Now XXXX trying to foreclose IN COURT AND COLLECT IN COURT WITHOUT A HEARING FROM A XXXX XXXX XXXXXXXX YREAR OLD WOMAN ALL HER MONEY FOR 14 YEARS AND ATTEMPT TO TAKE HER HOUSE WITH LETTERS OF NOTICE OF SALE EVERY WEEK MAILINGS. You are makning us XXXX and I am so stressed that I had to XXXX XXXX XXXX XXXX and care for my mother now. She is harassed for a debt of another who made that debt with you on a second mortgage on XXXX WHAT makes you think you can foreclose a third person 's home for the debt that was made in XXXX in another person 's name and not even serve XXXX XXXX with a return of summons and a copy of teh NOTE YOU ARE REFERRING TO THAT IS A SECON LOAN. PROVE IT SEND THE NOTE TO THE PERSON YOU ARE TRYING TO COLLECT THE NOTE DO YOU THINK YOU ARE ABOVE THE LAW THE STATUTES OF NM REQUIRE THAT YOU HAVE A HEARING TO COLLECT XXXX XXXX XXXX FOR THE DEBT OF WHAT WE WERE TOLD ARE INVESTORS IN FLORIDA WHO HAVE ALREADY BOUGHT ANOTHER OTHER PROPERTY IN XXXX XXXX THE STATUTES OF NM SPELL YOU HAVE TO FORECLOSE WITH A HEARING ESPECIALLY WHEN THERE IS A DEED. YOU CAN NOT GO OVER STATUTE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I tried to get my free annual credit reports. I succeeded with XXXX and XXXX. I answered all of Equifax 's security questions accurately and was subsequently notified that they couldn't provide it online ( screenshot attached ).