23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

WE REQUEST A RESPONSE, PERTAINING TO OUR QUESTIONS ONLY AND NOT ANY ADDITIONAL INFORMATION AS OCWEN CONSTANTLY WANTS TO PROVIDE! WE DO NOT WANT XXXX XXXX IN THE OMBUDSMAN OFFICE TO RESPOND TO THIS COMPLAINT. XXXX XXXX CONSTANTLY PROVIDES ADDITIONAL INFORMATION WHEN IT WAS NOT REQUESTED, FAILS TO RESOLVE ANY ISSUES! FAILS TO PROVIDE THE INFORMATION THAT WERE ARE SEEKING THROUGH THE CFPB AND FAILS TO PROVIDE DOCUMENTATION. FAILURE TO COMPLY WILL RESULT IN MORE COMPLAINTS FILED AGAINST OCWEN LOAN SERVICING PRIOR TO LEGAL ACTION! 
Last week, I contacted Ocwen Ombudsman office and requested to have a supervisor call me regarding multiple issues. On XXXX XXXX XXXX at XXXX, I called Ocwen Ombudsman office again and spoke with XXXX. She stated that XXXX called us. We reviewed our voice mail and caller ID log and there was no call originated from Ocwen Loan Servicing! As of today, Ocwen has failed to contact us and speak to us regarding the issues that we have. I want to inform Ocwen Loan Servicing that I am a XXXX combat veteran. I get paid for my XXXX through the federal government. If the federal government shuts down for any reason, we would not be able to pay our mortgage. This would be no fault of ours! With this being said, if Ocwen Loan Servicing or any other company dealing with our mortgage loan tries to foreclosure in the future especially without the proper documentation, our attorney and I will request to go to foreclosure mediation where we will in fact inform the court of the fraud and robo-signing that has occurred with this loan! 
Now ; as Ocwen Loan Servicing is fully aware, we had a modification on XXXX XXXX XXXX from Litton Loan Servicing. We started paying on that modification when we found that the modification was fraudulent and stopped paying. On XXXX XXXX XXXX, Litton Loan Servicing filed for foreclosure and recorded this document with the XXXX County Recorder 's Office. We are fully aware, per the Security Exchange Commission that XXXX is the master servicer. The role of a master servicer is an entity that acts on behalf of a trustee for security holders ' benefit in collecting funds from borrower, advancing funds in the event of delinquencies and in the event of default, taking a property through foreclosure. We are requesting the following questions to be answered and provide documentation. 
First, did XXXX participate with our foreclosure ( s ) dated XXXX XXXX XXXX? 
Second, who or which company has Ocwen Loan Servicing been sending our monthly mortgage payments to each month? 
Keep in mind ; failure to respond by answering my questions and failing to provide documentation as requested may appear that Ocwen Loan Servicing is hiding something that maybe against the law! If Ocwen does not have this information, Ocwen can request this information from the appropriate company or companies! Failing to answer and provide documentation as requested will result in more complaints and action taken against Ocwen Loan Servicing!
Product: Payday loan, title loan, or personal loan

Im on XXXX and having a tough time making financially. I saw the CashNet commercial and applied for a {$250.00} loan. I was approved and when paid back they sent a message saying I could apply for a {$2600.00} loan. Rent was due and I was desperate so I applied. They sent me a message saying I was approved and they were putting the money in my account. They sent me a document packet with a promissory note. When I open the document for the first time I was given the terms. They are charging me a total of {$8000.00}. The interest rate is 189.13 %. How is this legal? Shouldnt I have been give this info upfront so I could have decided if I wanted to do business with them. I would think people applying for Pay Day loans are experiencing some type of financial hardship and this company is taking advantage of them. Is there anything that can be done about this predatory behavior? My rent takes up half of my XXXX check. After paying back CashNet I only have about a fourth of my monthly income to buy food, pay utilities, pay for medical and insurance, buy gas, etc. Had I known upfront CashNet did people this way I would have never applied for a loan with them.
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/XXXX Account # XXXX and XX/XX/XXXX Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.
Product: Student loan

XXXX XXXX, XXXX I received a letter regarding my loan that was not easy to understand. 
The due date has two dates spanning from XXXX to XXXX. This is confusing. It is not clear what a 'Level ' Schedule type is. There are two installment amounts. Why? It is not specified what an 'Anticipated cap ' is. 

The lexicon of this letter is not easily understood by consumers. It seems it is purposefully vague and when speaking with the company I was told it has no intentions of changing the letter format. I am concerned that the future important correspondence with the company will be poorly outlined.
Product: Credit reporting

A collection was deleted from my credit reports with   XXXX   XXXX       bureaus, and was recently reinserted. I did not receive any notice for this reinsertion.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting 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, CA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX/2022 XXXX XX/XX/XXXX2022 XXXX XXXX/XXXX/2022
Product: Credit reporting, credit repair services, 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 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 which 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 XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$850.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$6600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX, My Social Security Number is : XXXX, The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, Please remove old numbers and address! 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: Credit reporting or other personal consumer reports

I am writing to strongly contest the recent rejection of my identity theft claims and to assert that, according to the legal procedures and requirements, these claims should not be invalidated. 

Identity theft is a serious issue that has not only jeopardized my financial stability but has also caused significant emotional distress. I want to reiterate that I have followed every proper legal procedure and requirement diligently to address this matter. 

In particular, I have : Submitted an identity theft report with the Federal Trade Commission ( FTC ). Placed a fraud alert on my credit reports in compliance with the recommendations of the FTC. These actions were taken in full accordance with the law to protect my rights as a victim of identity theft. 

It is important to note that, as a consumer who has diligently adhered to the proper legal procedures, the rejection of my identity theft claims contradicts the very principles of justice and protection that these procedures are designed to uphold. 

I strongly urge your bureau to recognize the gravity of this situation and the distress it has caused me. I insist that my identity theft claims are thoroughly reviewed in accordance with the law, and I expect the prompt resolution of this matter in a manner that reflects the seriousness of my situation. 

These are the accounts that was a result of ID-Theft : 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: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681.

has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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- ( 1 ) 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. 
( A ) In generally, 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- ( 1 ) 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to FCRA 605B ( 15 U.S.C. 1681c-2, ( 15 U.S.C. 1681c-2 ) they are supposed 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. 


Please block this information from my credit report, pursuant to section FCRA 605B ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency XXXX, TransUnion, XXXX.
Product: Checking or savings account

I am writing to formally address my concerns regarding a fraudulent transaction that occurred on XX/XX/year>, in the amount of {$63.00}. Despite my repeated efforts to dispute this charge through multiple phone calls and three formal disputes, all of which were denied, I am being held accountable for a transaction I did not make. 

This situation has caused me significant frustration and disappointment as a loyal PNC Bank customer for the past XXXX years. I feel compelled to highlight that per your stated policy, customers are assured of XXXX liability if your PNC Bank Debit Card is used fraudulently. However, PNC Bank has failed to uphold this standard in my case. 

I have consistently maintained that this {$63.00} transaction is fraudulent and was not authorized or conducted by me. Yet, PNC has not provided adequate support to resolve this matter. Furthermore, I was denied the opportunity to speak directly with the dispute worker, leaving me without a clear explanation or path to resolution. 

PNC Banks handling of this matter contradicts the security features and protections that customers rely upon when entrusting your institution with their finances. This experience has left me feeling disrespected and disheartened, as I have never before been treated as a liar or had my integrity questioned in such a manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In America through its constitution, laws and understanding of knowledge. We all have an equal chance to better ourselves through action. With that said, in accordance with the Fair Credit Reporting act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights, it isn't fair to publicize someone's information unwillingly as they are learning and growing in a society that continues to bumbard us with countless hidden fees and many of contracts with unconscious terms in fine print. 
XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXXK Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

During a background check for a future apartment, several accounts showed up saying I owed money and had about 7 accounts in collection, but I have paid everything off threw the company directly over a week ago. It is inaccurate and harmful.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i check my credit report and notice some inaccurate information reporting on my credit report from the 3 CRAs ( XXXX, EQUIFAX, AND XXXX  ), so i sent them a letter to delete the inaccurate information and update it to my correct personal information because i dont live there.
Product: Prepaid card

XXXX XXXX XXXX XXXX stole my Florida ID, XXXX and XXXX accouonts and cell phone XXXX and used to hack into US social security account and Direct Express Comercia bank account and ordered two debt cards. I have written direct express XXXX XXXX and XXXX XXXX XXXX ID birthcertificate and social security number to no avail. Only missing XXXX SS {$1400.00} I got paper check for XX/XX/XXXX. 
Previously Texas court case XXXX settled by them for XXXX same criminal act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX XXXX XXXX Comerica Bank XXXX XXXX XXXX XXXX XXXX TX XXXX Farmer CEO US FBI next step XXXX XXXX XXXX XXXX in Charge XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX Requesting certified refund check Fed XXXX on day to my address not XXXX XXXX address in Direct Express computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX XXXX XXXX and Navient are reporting student loans as being past due on my credit report and they have remained inactive for over 7 years. The state of Ohio prohibits reporting on credit report on debt that is over 6 years of age ... These accounts are in a defaulted status. It has prevented me from buying a house and has caused serious financial stress and issues ... When I asked how they can still be reporting this very old debt their answer was to report them to the CFPB
Product: Vehicle loan or lease

On XX/XX/2024 at XXXX I contacted capital one to get a payoff letter and payments history due to my car being in an accident and the payoff amount they gave the insurance is over {$1000.00} dollar different then where it was before. I spoke to a customer service representative and a manager who refused to provide my payoff letter. They said I will receive my payment history but I haven't received it yet. They said they sent the information to the insurance but that doesn't change the fact that I as the borrower requested documentation off my loan and they are refusing to provide it. As a grantor I am entitled to the documents of my loan. They even said they can see the letter that was sent to XXXX but they won't provide it to me. I work for a bank and we do these request often but for some reason capital one doesn't want to provide it to me.