23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen Loan Servicing raised additional questions! 
Ocwen Loan Servicing responded to our previous complaint in writing dated XXXX XXXX XXXX. The facts are ; Ocwen Loan Servicing mishandled our account, failed to report accurately to all the credit bureaus per documentation. Ocwen stated in paragraph XXXX, " as previously advised to you, when a dispute is received regarding an account from a regulatory agency such as the CFPB, Ocwen is required to cease credit reporting for the duration of the review. As there were open disputes regarding the above referenced account in the month of XXXX XXXX, no payment history was reported ''. 
Per federal law, Fair Credit Reporting Act 15 USC 1681 and Nevada law, XXXX XXXX, all companies reporting to credit bureaus must report accurately. When companies report to the credit bureaus, " no payment history reported '' this violates federal and state laws! Also, no where within these laws does it state that the creditor ( Ocwen ) must cease credit reporting for the duration of the review. Per, E-regulations 12 CFR part 1002 does not state either that the creditor must cease credit reporting for the duration of the review. I believe that this is Ocwen Loan Servicing policy which does not supersede federal and state laws! By Ocwen Failing to report accurately, Ocwen caused us to be turned down for an auto loan approximately two years ago. This has been an ongoing issue with Ocwen Loan Servicing! " Please review the other credit reporting complaints filed against Ocwen with the CFPB ''! 
Also, I requested Ocwen not to allow XXXX XXXX from the Ombudsman office to respond to my inquiries now or in the future due to her failing to provide the information that we were seeking. As you can see, Ocwen Ombudsman office failed to comply with our requests. 
Please provide the following question below in writing! 
First, we request to know if Ocwen Loan Servicing has this policy to cease credit reporting for the duration of the review? 
Second, if not, please provide the state or federal law that requires companies to cease credit reporting during an investigation from a regulatory agency! 
If Ocwen Loan Servicing fails to comply with our requests, Ocwen must be held accountable for their actions including but not limited to the following ; an investigation from federal and state agencies, media complaints, social media complaints, court order, fines being imposed, loss of business license, criminal charges filed, lawsuit, damages, compensation!
Product: Credit reporting or other personal consumer reports

Exsperian credit reporting company name is XXXX corporate fetti webbank iincliuding t collection agency 's. Such as XXXX XXXX XXXX XXXX is requesting same money. Not owed l payed them off many years agoXXXX The account is being shown is not my account l request to please delete information off. From my credit report. I contacted. XXXX unable to provide no payment history only Blank piece paper was sent threw there collection whom Also request same amount money which has turned into fraudulent from These companies
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Trans Union XXXX XXXX XXXX and XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Credit card

My wife and I have spent nearly six weeks going back and fourth with Capital One 's Dispute Resolution Department. The company, Capital One claims to protect the consumer who uses their card for purchases. After six weeks of letters and phone calls we now find this is not the case. The company initially credited our card only to later reverse charges and adding interest and fees making our card unusable on a recent trip. 
My wife gave up but I am not willing to. I have called their disputes resolutions department for days leaving messages with no call backs. Finally today I was able to reach a department manager on a different number. Manager XXXX employee ID XXXX said today she had no solutions stating that since we stayed at the condo we are not entitled to a refund. She would not allow me to discuss the issue with her manager XXXX employee ID XXXX. She said nobody in her entire company could help me. 
My wife spent weeks sending Capital One the requested documentation of this roach infested 3rd floor condo we stayed at while visiting my elderly parents. The facility was misrepresented by it 's management company. It was a complete disaster including broken elevator making it impossible for my parents to visit. Why did Capital One waste weeks of our time when they knew all along we stayed there? Instead they asked for paperwork and pictures. We went back and fourth with phone calls, emails, letters, jumping thru hoops and playing their games. 
We stayed at the said property because we paid and had no where else to stay. It was disgusting and unsafe. But we had no where else to go. Our plane tickets were for one week and everything in the area was booked. Management was unable or unwilling to move us to another unit. 
Capital One is lying to consumers by stating card member 's purchases are protected.This is clearly not so! Our card was charged by a fraudulent vendor and Capital One refuses to refund our money. 
I pay interest and fees to use this card and be protected. This is not protection. This is a rip-off!
Product: Bank account or service

Claim Numbers : XXXX XXXX XXXX XXXX Although my mailing address XX/XX/XXXX, was : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX, I resided at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. 

XXXX XXXX of XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX XXXX , New York XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , New York XXXX XXXX and XXXX XXXXXXXXXXXX, stole my business debit card on or about XX/XX/XXXX or XX/XX/XXXX. They are family members of my ex-girlfriend and were aware of my home being raided by the police, the arrest of my ex-girlfriend and I, nobody caring for our home nor personal effects as of XX/XX/XXXX. Thereby feeling safe in illegally gaining entry into my then home to burglarize it. I was XXXX from XX/XX/XXXX, at XXXX until XX/XX/XXXX, continuously and did not verbally or otherwise authorize the possession nor use of my bank accounts in any manner whatsoever. See enclosed XXXX. XXXX documents. This fraudulent activity was reported to Bank of America by me via mail which was never responded to in or about XX/XX/XXXX, and to a Bank of America representative in XXXX XXXX, New York by my Power of Attorney XXXX XXXX on XX/XX/XXXX, both times within sixty days of its occurrence, but the representatives failed or refused to do anything/make a proper note of it for addressing or reference by the appropriate personnel. An internal complaint has been filed against the XXXX representative as well ( Reference # XXXX ). See also : Federal Trade Commission Identity Theft Complaint Reference # XXXX, XXXX. Complaint Report # XXXX which Detective XXXX XXXX, XXXX or XXXX, is investigating, XXXX.Case Number XXXX which identity theft and fraud investigator XXXX, XXXX, is investigating, and Bank of America 's credit department also granted my claims surrounding the other fraudulent crimes I have been a victim of by the same above mentioned individuals. 
I have contacted numerous Bank of America Associates and Supervisors whom have failed or refused to properly investigate this matter for its proper resolution. For they have not even contacted me requesting any documentation in support of my claims or otherwise so as to conduct an in depth inquiry. Instead they have continued to deny my claims summarily. This despite the fact that my Bank Account could not have been closed by any third party without any Power Of Attorney irregardless if they do not have it on file through some obvious error of theirs. Therefore making it evident that they were in fact on timely notice of the fraudulent activity but failed to act through their own ineptitude. It should also be noted that my Debit card had a photo of me on it as a security feature but such was not used for my protection when fraudulently used. 
Your time and help in the proper resolution of this matter will be greatly appreciated. 
Cordially, XXXX XXXX
Product: Checking or savings account

I requested proof bill payment that cleared my checking account on XXXX in the amount of {$120.00} to XXXX XXXX XXXX. I have made about a dozen if not more requests. I keep being given the run around. I have asked them to fax it to XXXX XXXX XXXX or email it to XXXX or upload it to my secure messages in my bank of america account. They refuse to. They so they will do it, but NEVER do anything.
Product: Debt collection

On XX/XX/2023 I turned In all my equipment and XX/XX/XXXX I received a bill for XXXX, but it had No explanation of charges, so I have been asking XXXX XXXX for a itemized bill, but they refused to give it to me. then it went to collection and i been writing Online Information services for a verification of the debt specifically the XXXX bill but I was denied. Now it's showed up on my credit report. This company is fraudulently billing me after I have turned in all equipment and assume the account was closed. they are doing this for financial gain. and refuse to show the bill.
Product: Checking or savings account

I have tried to open up an online savings account with discover bank. I am getting a job in a few days and needed it to save money. I have tried since XX/XX/XXXX. They never emailed me back. I called 2 weeks ago and say one up and finally got it opened. It was opened for 1 day and then closed due to a business decision. I don't want this to affect me in any way. All I was trying to do us open an account. After calling the discover bank number they told me they couldn't give me any info but they I could reopen another application. I am not happy with them as all it is is a simple account. I didn't even get to transfer any money into it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX 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 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 months that are reported late 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 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, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

I have ( XXXX ) charges from Macys that I did not purchase & have disputed for ( XXXX ) months. I have called ( XXXX ) times & spoke with the fraud dept. & never received any info I have requested, just letters that I am responsible. I explained that the items in question do not fit my purchase history nor have they produced my signature. I have now been told that the case is closed, done.
Product: Credit reporting or other personal consumer reports

Your agency is in violation!

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. 
Delete this at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong personXXXX XXXX, XXXX ( XXXX XXXX ) : My phones numbers had the transfer process initiated by XXXX, but the transfer was NOT successful. I did not have any working phones. Since it was XXXX XXXX and I had no option to communicate with family and friends, I called the XXXX service office from a borrowed phone and asked for assistance. After several hours of working with XXXX, their solution was to assign us XXXX temporary courtesy numbers, and then fix things after the holiday. We discussed that this was a courtesy from XXXX, and would not affect our bill. This process was extremely frustrating, foreseeable and avoidable. All charges for the courtesy numbers below should be deleted XXXX
Product: Debt collection

- I found an entry from ONLINE INFORMATION SERVICES on my credit report. 

- I searched XXXX for their phone number asking for more information. They refused to give me any information unless I " confirmed '' the debt. 

- I sent them a letter on XX/XX/19 asking for confirmation of the debt. I have attached a copy of the letter I sent as well as the Certified Mail confirmation that shows they signed for the letter on XX/XX/19. 

- I HAVE RECEIVED ZERO CORRESPONDENCE FROM THEM AND NO PROOF OF DEBT OR ANYTHING.
Product: Mortgage

I have a had a mortgage with XXXX XXXX since XX/XX/XXXX. I recently received a notice of servicing transfer, from XXXX XXXX to Shellpoint Mortgage Servicing, effective XX/XX/XXXX. Mid XX/XX/XXXX, I started receiving harassing phone calls, mail and certified mail from Shellpoint Mortgage Servicing, claiming that my mortgage was delinquent and that they were taking action. I called XXXX XXXX and told them that Shellpoint had sent me a letter and had been calling me and they confirmed that my mortgage had not transferred and would not transfer until XX/XX/XXXX. I tried to call the Shellpoint phone number on the transfer notice, but it required the caller to answer marketing questions ( there was no option to talk to a person unless you went through a marketing survey ), so I hung up. Each time Shellpoint called me, they asked for personal information, which I refused to give to them. The representatives were extremely rude, when I explained to them that I had talked to XXXX XXXX and that my mortgage had not transferred and was current with XXXX, they harassed me and tried to get me to provide them personal information. I asked them to stop calling me and they refused, they said that I needed to send the a cease request in writing by mail and that they would keep calling me until I did that. I also asked them to not use my mobile number for robo calls ( they asked me if it was okay and I said no ) but they continued. One rep said that this was how they made their calls. I am concerned ( 1 ) because they continiuosly call me and harass me on my work mobile phone and wont stop, ( 2 ) they may be reporting negative credit on my credit report and ( 3 ) that XX/XX/XXXX I will be forced to do business with such a company. Both companies say the other company is incorrect, XXXX XXXX was supposed to be investigating but I have not heard anything back.
Product: Consumer Loan

We financed an auto Ally and we were excited. A year into our loan we lost our jobs and tried to maintain paying for all of our expenses. We called into Ally trying to salvage our loan and explain our situation. They refused to work with us or give us options to retain our vehicle. We ended up have the car repossed after months of trying to maintain our good standing with Ally. We have been trying to pay down the outstanding balance owed but Ally refuses to give us affordable payment options or give us a pay off balance. On two separate occasions they have asked a judge for permission to wipe out our acts leaving us with less than XXXX to survive on. When we call we can not get through and if we reach a live rep they continuously tell us how they are owed the money. We want to pay off our debt to them but we do not know the outstanding balance. We need real answers in order to hold up our financial ends.
Product: Credit reporting or other personal consumer reports

Experian and XXXX refuse to remove a paid in full account on a secured credit i had with BOA witch whom i still bank with as a derogatory and negative remark on my credit report and it is hurting my chance of getting a home loan can u plase investigate and have them negative account removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I have no clue of are : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX  XXXX, XXXX I already reached out to each to company and all they told me was to contact the credit bureaus to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries are on my report that I did not authorize. I put a fraud alert on my credit and creditors were still able to put inquiries on my report without giving me a call to verify that it was me. I do not recognize these inquiries nor did I apply for anything. 


XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX BANK XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX I was offered a promotion from XXXX XXXX XXXX 4.9 %. Great I accepted the offer and started the process and my balance is XXXX immediately so my interest at 4.9 % started on XXXX. 

My issue The other card was not as of XXXX has not been paid XXXX and is also still occurring interest. 

So today I am paying additional 4.9 % for the same XXXX. 

Bank states it's the policy that it could take 30 days for the transfer to get processed. I can transfer money in under a second from my account to another account without issue. 
I do understand sor processing time. XXXX days XXXX. 

What I believe needs to happen is my interest should not be accruing until the funds have actually been applied.