23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

OCWEN performed illegal actions in line with the definition of a predatory lending institution. Our 1st and 2nd Mortage were both bought out by Ocwen XXXX by companies that had gone bankrupt LItton/GMAC. We received false documents stating our loans were late, in danger of foreclosure, and payments programs were no longer being honored. After being denied for a HARP refinace program since our loans were current, we signed a Loan Modification Equity Share ( XXXX ) in distress as Ocwen was placing our split payments into a forbearance account and not crediting them to our balance which caused us to enter an Equity Share program for our 1st Mortage to avoid foreclosure.

Ocwen stated our refinanced balance was $ XXXX and we would owe 25 % of all future equity above $ XXXX when we sell or refinance of our house. OCWEN deferred the balance of our refinance agreement to $ XXXX increasing their value of the equity share from $ XXXX to $ XXXX since our payoff is now based on an appraised value of $ XXXX. 

Ocwen also breach the contract with our 2nd Mortgage when they took over our loan from GMAC which part of an Equity Acceleration program making bi-weekly payments which OCWEN acknowledge based on continuation of the payment agreement. OCWEN performed unauthorized transactions from our XXXX XXXX XXXX account outside of the agreed upon dates in XXXX which forced us to cancel our XXXX XXXX XXXX Account and terminate their ability to make random auto drafts without our authorization. OCWEN then changed their name after multiple Class Action Lawsuits when created PHHXXXX to service our loans, bouncing the 1st and 2nd Mortgages between to the two entities and continuing to send us false statement stating our accounts are behind. 

We are unable to refinance or purchase a new home without penalty as OCWEN is using tactics that they have already been deemed as guilty in previous court cases.
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. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, # XXXX and # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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, have violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, 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. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX : XXXX, XXXX l XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 1681 c. ( 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: Debt collection

There is a collection on my credit report. My bank is telling me that it's from Paypal. I have gone through my paypal, but this was not a purchase that I made. The name on it is also a name I've never heard. The collection is affecting my credit and I don't believe it's mine.
Product: Credit card

I 've had XXXX accounts with capital one since roughly XXXX. I had XXXX of the same product for a long time. Yesterday, XXXX XXXX XXXX I was chatting with a representative where I was informed I qualified to be upgraded to a venture card where I get XXXX miles for every dollar spent. I thought this was great and decided to close my other XXXX accounts and transfer the credit lines to my new venture card. Well it turns out that that the venture card is a subprime card where I only get XXXX miles for every dollar spent and my interest rate is 24.99 % variable. They gave me an offer for 7 months to lower rate to 20 % variable. Prior to combining the accounts I had XXXX XXXX XXXX accounts and XXXX of them had a 14.99 % rate variable however, since it was the lowest rate out of the XXXX they charged me a {$79.00} dollar annual fee which they refused to waive. Now I closed that account and moved the credit line due to missinformation and I was clearly missled here. I have a XXXX card with a super high interest rate, poor rewards and I no longer have the card with the 14.99 % interest rate. If I would have known the venture card does not earn XXXX miles for every dollar I would not have closed the other accounts and moved the lines over. I feel missled as a consumer specially since they were charging me an annual on XXXX card and not charging it on the other XXXX cards even though they were the exact same product. If you do it in XXXX card you should do it to all the same products and in my case they were the exact same cards. They just did not want to waive the annual fee because my interest was 14.99 %. I am extremely upset.
Product: Vehicle loan or lease

On XX/XX/XXXX I spoke to XXXX at ext. XXXX. I asked about lates fees that keep getting added to my account but are not on my statements. When I asked XXXX for an explanation for these charges she tried to explain them away but wouldn't offer me details of these charges they are asking me to pay. When I asked for a detailed bill with these specific items on them, she said I would need to pay for that if I wanted to receive it. 

I am disputing this debt. I am asking for detailed explanation of these charges and I would like for the CFPB to look into this. This is not the first time I have had these very same issues with this Bank and I have had issues since they purchased this loan from XXXX XXXX. This is becoming a pattern of dishonest behavior, and I believe I need some help looking into this matter.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts that are reporting late
Product: Debt collection

This collection appeared on my credit report a couple months ago and then it was removed, now it is back again on my report from another collection company, THIS DEBT IS NOT MINE I have no knowledge of this debt/collection and it must be a case of identity fraud. Please remove the collection from my report as it is the only derogatory mark on my credit and it is hurting my score severely which I need to buy a house for my family
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard and soft inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquires and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and it's negatively affecting my financial standing.
Product: Credit card

I have made several attempts to resolve subscription dispute. I disputed some unauthorized/fraudulent charges with XXXX back XXXX XX/XX/2023. I thought it was resolved, and then I started seeing more charges creep back on my card. It has been doing this little at a time for several months and I asked this to be looked into and escalated and was told a manager would reach out to me once it had been looked into and as a result, my card was closed even though I had not put in any additional disputes since XXXX. I simply asked a MANAGER to look into the reversed credits that were put back on my card balance. my card balance has been increasing causing my limit to go over even thought I HAVE NOt useD THIS CARD IN MONTHS AS IT IS CLOSED. I do not owe the subscription balances and will file a police report about this if it is not resolved!
Product: Debt collection

I have been getting multiple calls daily on 1 missed payment on my care credit from synchony bank. I understand i am late and this is due to health issues and i intend to make the payment as soon as i get funds. I normally won't complain but at this point they are calling my cell phone during work hours and later in the evening. I tend to work a really early shift and go to bed early and this is starting to affect my work schedule. It is unacceptable for the daily calls. On top of that they also tend to call from a restricted number that pops up under the name of someone under my contacts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2023 I contacted this company, they did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XXXX my identity was stolen. This person ran my credit about 28 times from all 3 bureaus. Yes, I take accountability for the inquiries I made. However I've been disputing these unauthorized inquiries for many months now, and nothing has gotten resolved. I've written the original creditors and credit bureaus regarding this issue. For many months now I've been getting the run around. I've placed a fraud alert and freeze on my credit file, to prevent anymore fraudulent applications. 
CAPITAL ONE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. Please help get this resolved or point me in the right direction. Thank you
Product: Mortgage

We applied for a mortgage refinance on XX/XX/XXXX with that application submitted on XX/XX/XXXX. Upon submitting our application we also supplied our bank statements, paystubs, income tax return, and homeowners insurance information. We were initially informed that closing would most likely occur between 60-90 days from the application. At which time we scheduled and payed for a home appraisal. 

We reached out for an update on XX/XX/2020 as to our closing date and were ignored on numerous occasions. Upon continuous attempts at successful contact, on XX/XX/XXXX we were informed that our submitted documents were never submitted to underwriting. We resubmit our documents promptly and were then given a new closing date of mid XXXX. On XX/XX/XXXX we were informed that letters of explanation for late payments were required and therefore we were removed from underwriting and needed to start the underwriting process all over again. 

From this point our closing date has continued to be pushed back further into the year. We have expressed our concerns regarding the process on numerous occasions and were informed that as of today XX/XX/2020, the underwriters havent reviewed our documents.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} : XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} is not charge off to me. My record shows that this account was Paid as agreed and Balance is 0. Please correct this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, have attempted to have Equifax obey the law section 605b of the FCRA. 
This section of the law specifically deals with identity theft and how the reporting agency has to respond and act. 
The law gives them no later than 4 business days to block fraudulent items that I have identified. Equifax has things on their file for over 6 years that are no longer being reported yet they still have them on my file because they don't do the investigation properly or act according to the law. 
The cfpb close my two previous complaints because they were duplicates they claimed and that was wrong that's because Equifax ask for more time and it's past that 45 days that you gave them and yet they haven't acted according to law. 
I want Equifax specifically to talk about section 605b of the fcra and why they do not comply with that law even though they have all the parts of the law that I need to provide. I'm going to include them again with the CFPB and Equifax needs to say why they are not acting within 4 business days to block these items. 
The items are in the screenshots are, 2 XXXX XXXX XXXX, 1XXXX XXXX, 2 XXXX XXXX XXXX XXXX, 1XXXX XXXX XXXX, 1 XXXX XXXX XXXX, 1XXXX XXXX, 1XXXX, and others claimed before
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied online for a new credit card with Penfed Credit Union. I was not approved at the time, but was sent an email stating they needed to verify my identity to process the application. I was told to upload my driver 's license and social security card thru the Penfed upload tool on the company 's website. I tried doing this without success, as I kept receiving an error message. I contacted Penfed and the agent attempted to resolve the issue, but was unable to. I was then told to fax Penfed the documentation and I did that the same day. I then contacted Penfed inquiring as to whether or not they received the documents and they stated they did, but can not accept them because they require XXXX, not XXXX and white. I then stated that is impossible to do via fax and asked if I could email them to the company and was told I can not. I was then told to come into a branch to provide the documentation in person. I told the agent I could not do that because the closest branch is approximately XXXX hours away from me in XXXX California. I was then told they would cancel the application and there would be no hard inquiry on my credit report because they could not verify my identity, thus not being able to process the application. 

On XX/XX/XXXX, I noticed the hard inquiry on my XXXX credit report and contacted Penfed. The agent apologized and stated he would open a case to have it removed. 

On XX/XX/XXXX, I again noticed the hard inquiry on my XXXX credit report and again, contacted Penfed. The agent apologized and stated he would open a case to have it removed. 

On XX/XX/XXXX, I received an alert from XXXX regarding the dispute and the hard inquiry was still showing. I again contacted Penfed and was told by the agent that they report factual information without explanation. I then asked to speak with a XXXX and was told I was put on a list for a XXXX to contact me.
Product: Debt collection

Revco Solutions have been calling nonstop every single day regardless of the time. Ive asked them how they got my number but refuse to tell me. Furthermore, theyre sending illegal mail stating I owe a debt. How can I owe someone I dont know? How can pay something in a positive balance? I want the harassment to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was notified of a fraudulent purchase on my Goldman Sach 's Apple Card. I requested that card be shut down and have a new one issued. On the morning of XX/XX/XXXX I noticed approximately XXXX on my credit card all in huge chunks of XXXX plus transactions in Florida and NY. I live in Ca and never traveled to those areas. I called XXXX and spoke with XXXX ( they do not release last names ). I was told she was a supervisor and she placed disputes for all these transactions. During the entire month of XXXX I continually called XXXX to confirm updates on all this ( To date I've called XXXX XXXX ). On XX/XX/XXXX, I spoke with another supervisor, XXXX ( I believe ). I completely paid off all my transactions and the entire account was closed and he said settled. Fast forward to the first week in XXXX when I received a bill from XXXX. Since this bill I've called easily over XXXX and keep getting the run around. First, no one will let me deal with just one person as this is a lengthy scenario. Second, every supervisor I speak with tell me different things on what's NOT resolved or resolved. I have over 40 emails to document the transactions resolved. On XX/XX/XXXX, I was told by " XXXX '' some of the transactions XXXX said were resolved with emails, are NOT resolved and I still have an outstanding bill with payment due on XXXX. The payment as of then ( NOT SURE IF ITS changed again ) was the result of interest/cash back ( FROM all the fraudulent purchases that I NEVER received in my apple cash since I shut the entire account down ). I have since contacted the XXXX  ( case # XXXX ), FTC ( case # XXXX ) and filed an identity theft report ( Con # XXXX ) and placed a fraud alert on my account thru XXXX. It has been over 90 days now and I can not find anyone within XXXX to solve these matters and end this investigation. Nothing was ever ordered by me, delivered to me, nor have i ever been to Florida or NY. And the administration of this credit card not catching this going on and not handling promptly is extremely frustrating to say the least. I have zero other evidence other than people who saw me in XXXX XXXX on these dates and times and if one were to check with XXXX it would who i've never traveled to any these states. Nor was anything ever sent to me at my home address. I have never had any issues with other credit card companies if one fraudulent charge came thru, which they would catch and call me. To let over XXXX charges hit my account, lots within minutes or seconds and in same increments at times, is beyond belief.
Product: Checking or savings account

I was trying to close all my accounts and I want to get me money back from these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Product: Mortgage

My mother passed last XXXX. I was the cosigner for the loan on her house. Fay Servicing is the loan provider. We paid XXXX, XXXX, and XXXX 's payments from her account. We were then advised by the estate lawyers to close the account. We did, and paid XXXX, XXXX, XXXX, and XXXX out of my account via their phone payment system. In XXXX, I was unable to pay over the phone, but assumed they were having some kind of maintenance issue. I tried again later in the month and was told the issue was that the account was delinquent and I was no longer allowed to pay by phone, it had to be certified check. I protested but got nowhere, and sent two certified checks in XXXX to cover XXXX and XXXX 's payments. I then sent another in XXXX. In XXXX we got the go-ahead from the estate lawyer to go to our bank and try to get moms mortgage added to our own. That's when I found out that Fay Servicing had marked my account as delinquent, put us into pre-forclosure on my mom 's house, and denied acceptance of the XXXX payment. My attempts to talk to anyone with this company have not yielded anything other than the promise to look into it and get back to us. That was two, almost three weeks ago. From my conversations, I can tell they don't plan to do much. I can prove my payments were sent to them and deposited. Yes, I owe for XXXX, XXXX, and, now, XXXX. I would gladly have paid them by now, if they would accept it. What kind of company says " We think you're behind in payments '' and then turns away payment? I'll tell you who. A company that's trying to steal your property, which is what I think we have here. A XXXX search shows that there have been multiple complaints and enforcement actions from the CFPB against this company for its dishonest mortgage practices. I hope the CFPB will hold their feet to the fire for this one too.