23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX : XXXX Ocwen Loan Servicing , LLC . Regarding loan : XXXX - XXXX, UT XXXX I am a XXXX in XXXX specializing in Short Sales. I have been doing this since XXXX. Never have I seen anything like this. I have had a good offer on this property since XXXX. Ocwen has drug their feet, changed numbers in their system, repeatedly putting me off for months at a time, only to turn around and tell me they now need updated financials from the borrower which is only due to Ocwen holding onto this property. I call Ocwen every few days - all my conversations are documented. Ocwen repeatedly told me that XXXX was the investor on this loan and that XXXX is the holdup. However, I have contacted XXXX and they confirmed that they ARE NOT the investors on this file. Also, Ocwen sent me a letter stating XXXX was the Trustee - XXXX told me that Ocwen has the sole power to make all decisions on this short sale. So, my complaint is that Ocwen has been giving me the run around for almost XXXX years - They have an offer for more than their current value yet they continue making me jump through hoops and stalling on officially responding to this short sale. I do not know what benefits they get for keeping this property on their books. But I have never seen such poor business practices. I have other loans I 'm working with Ocwen and the last one only took XXXX weeks to get an approval letter and the offer was lower than their current value. So, it would appear that Ocwen is intentionally keeping this negative file on their books for their own gain. This property is physically falling down the mountain and now with the heavy snow melting the damage is only getting worse. The home is breaking in half - the roof leaks badly so there 's mold issues ... and they have a full price offer. There 's something wrong or shady going on with this file and Ocwen.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame.

1. 15 U.S. Code 1681e ( b ) Accuracy of report Compliance procedures XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

2. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. This account was CLOSED. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. This account was PAID and CLOSED. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Checking or savings account

I have spoke with wellsfargo about overdraft protection, the stated that I had overdraft protection on my account, they are allowing money to come from my account when there is nothing there, but I have been hit XXXX times in XXXX day with overdraft fees. The most recent date has been XXXXXXXX XXXX
Product: Checking or savings account

As a follow up to my recent complaint, I again visited a TD Bank branch, this time in XXXX Florida, on XX/XX/2024. I traveled to Florida in an attempt to rectify this situation as I truly do not know what to do to get my father 's accounts closed and the funds deposited into the Estate. In Florida, the person assisting me ( XXXX XXXX ) informed me that the XXXX NJ XXXX, XXXX XXXX, should have accepted the documentation I provided in person in XXXX. XXXX XXXX informed me that he would have accepted the same document ( which was the original letter of personal rep/administration ), but couldn't do so now because there was a note in the system from XXXX XXXX so he needed a manager to override that note. After making me wait an hour, he came back and said actually he couldn't accept the document because it was now over 60 days old. I said it wasn't 60 days old at the time XXXX XXXX viewed the document in person, and it was now over 60 days old because of their mistake. Again, I have XXXX small children and am an attorney for a different bank, it is very difficult for me to travel all over the XXXX XXXX trying to settle this XXXX. XXXX XXXX, in an attempt to appease me, said he would have legal approve the account closures and confirm with me on Monday that they were sent. It is now Tuesday, and he is not answering my communication attempts. This is extremely distressing, unfair, and confusing. I am quite literally a bank attorney and I can't get this done, XXXX if I was an elderly consumer trying to settle my deceased partners accounts -- it would never happen. I will also comment that the 60 day policy seems extremely arbitrary and punitive, and almost seems like TD Bank is trying to make it so difficult for family members to access their loved ones funds that they give up and TD gets to keep the funds. I would like TD to close the accounts and send me the funds from those accounts, without having to go anywhere else in person. As I mentioned in my last complaint, I am XXXX hours away from the closest TD, and every other bank I've dealt with has let me send in documents, but TD refuses. I have now traveled up and down the XXXX XXXX trying to figure this out -- I am truly not sure why TD is making this process so hard for someone who just lost a family member. It is really disgusting. Absent a lawsuit, I do not know how I am going to get these funds out.
Product: Checking or savings account

On XX/XX/2021 a client of Bank of America illegally cashed/deposited my stolen and tampered with check for {$12000.00}. This check was from my account at New York XXXX Bank. Said check was deposited/cashed without questions or incident at BOA. Check was obviously tampered with. Date was written in very oddly using numbers where they dont belong, signature was traced sloppily, left over residual ink was still on the check from a bad attempt at " washing the check '' and the enormous amount was made out for " school books ''. This check went through Bank of America 's " security '' and as a result I was robbed of some of my retirement funds. Bank of America had a client who was not a real person but a fraudulent account or instead a professional scammer. The lack of due diligence on their part by not inquiring as to the legitimacy of their " client '' and their lack of security measures has caused me, an innocent party, to loose {$12000.00}, a great sum of money for me as I am retired, with XXXX and no husband or children. I am becoming so ill from the stress from this loss that my health is becoming worse. I do not eat or sleep and I will take this story to television media and have Bank of America exposed if they do not restore my full {$12000.00}. I will not accept anything less than my full amount which they have caused me to loose! I have already reported them to several government agencies and I will continue to bring this issue to the surface in social media and television as I am presently in touch with two networks that advocate publicly on television such things for consumers as myself. I am a victim twice. Once by the scammer and another by the largest bank in America... ..Bank of America . This is horrendous what this bank has done to me. I will let New Yorkers and the rest of the country know what this bank has done to me!
Product: Student loan

In XXXX, I submitted a PSLF Employer Verification Form for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . Both employers have the same Federal Employer Identification Number. The average weekly hours I worked for both employers, from XX/XX/XXXX to XX/XX/XXXX, totaled 32. 

After several calls to Mohela customer service, complaints to CFPB, and complaints to XXXX, Mohela responded with incorrect information and only partially certified employment. No additional PSLF qualifying payments were granted.

According to PSLF rule changes effective XX/XX/XXXX, " For PSLF, youre generally considered to work full time if you meet your employers definition of full time or you work at least 30 hours per week, whichever is greater. If youre employed in more than one qualifying part-time job at the same time, you may meet the full-time employment requirement if you work a combined average of at least 30 hours per week with your employers. '' I called Mohela customer service on XX/XX/XXXX, spoke with a representative, and I was told, " yes, these are eligible employers. You should receive credit for PSLF from XX/XX/XXXX to XX/XX/XXXX. 11 total payments. We will up date this in 5-7 business days. '' It is now past 7 business days, and no action has been taken on the account. 

In addition, on XX/XX/XXXX, I submitted another PSLF employer verification form for XXXX XXXX XXXX. Again, this is the same Federal Employer Identification Number as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am attempting to certify the employment period of XX/XX/XXXX to XX/XX/XXXX. During this time, I worked for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for a combined weekly average of 31 hours, and should receive PSLF credit for 16 payments.

The customer service logistics of MOHELA are extremely difficult to navigate, and while it appears customer support is logging information and taking care of forms, my experience is that no one is actually processing this information. 

Since MOHELA does everything in business days, this is an important fact to add : It has been 188 business days since I made my original request to verify employment.
Product: Payday loan, title loan, or personal loan

I called to arrange a payment for the XXXX of the month. I was not late and even paid extra. The loan was taken out immediately overdrawing my account. When I called the company said the payment was taken by mistake and a refund was in order. First they claimed there was a problem with their refund department. Then they said it would take 48-72 hours for the money be refunded despite my band verifing they had covered the amount. I now have a overdrawn checking account, overdraft fees adding up and no refund. Customer Service 0. Run from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry is reported on all three of my credit bureaus and I did not consent to this company pulling my credit report.
Product: Debt collection

Paid auto repair service with a check from my XXXX credit card account on XXXX/XXXX/16. My check was accepted by the business. I received a written notice via mail from XXXX on XXXX/XXXX/16 that the check had been denied. I contacted the auto repair business to settle the debt but was told that they had been paid. They referred me to Certegy check services along with a case number. I contacted Certegy and found out that my debt had been turn over to Complete Payment Recovery, a collection agent. I paid the debt including the {$40.00} recovery fee. Certegy did not give me any notification of the payment denial or that the debt was being sent to a collection agent.
Product: Debt collection

A company called XXXX XXXX has a negative report on my credit report, and this is from an identity theft that happened to me last year. I filed a police report, and everything was removed from my credit report except this company will not remove this. I have never worked with this company before, and they have not sent me any paperwork showing that this debt belongs to me. I had someone open accounts using my name and information and this is from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we are yet again! The laws are not being followed. Under the FCRA, if proof of a contract, a physical signature, a recording by video or phone of a person asking for a line of credit is not available, it can not be verified or validated that SAID PERSON has a line of credit with an individual or company. Furthermore, IF IT IS NOT 100 % TRUTH it can not be reported. In addition, under the FCRA, false reporting can be compensated at {$1000.00} or more per offense. Now lets review this once again! 

Attached you will find letters dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In them are out right lies. 

XXXX Cards were not applied for by me * No contract to present * No physical signature to prove it was me who asked for the line ofcredit or used it * No email received : No in " IN BOX '', " SPAM '', or " JUNK '' * No phone call by me : I do everything my mail/certified mail in case I need to go to court * Card not applied for, as I always do, with my full name. If only middle initial is asked for I leave it blank and enter first and middle name on " FIRST NAME '' line * Copies of statements are not proof of an account in my name for verification or validation by court of law. 

My credit and name have been trashed my XXXX, XXXX, and the people who bought their debts XXXX XXXX. I have asked for 2 years now for proof and there has been none. I have not made payments on these accounts, used these accounts and I did not request lines of credit with these people. I'm willing to stand in front of a judge and state this as matter of fact. These companies can not stand in front of a judge and MATTER OF FACT prove any of the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent each credit reporting agency ( XXXX, TransUnion, and XXXX ) a letter ( per their request ) requesting my consumer report, consumer file and investigative file. AS of XX/XX/2021, I have not received any of the 3 documents I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I posted a post of subleasing my apartment on XXXX on XX/XX/XXXX. I got an email from one girl whose name was XXXX XXXX and she said she wanted to take my lease and please make a hold on it. So I said ok and I gave her instructions of how to make a rent application form and all the process we have to go through. But she said her boss will contact me through XXXX hangout to talk about the payment and everything. Her bosss name is XXXX XXXX. He said he will be taking care of all the payment that she has to pay. I told him the one who will move in has to fill the form out and pay for it but she said her situation is not good enough to take care of it because of her XXXX problem. Also I am an XXXX XXXX  XXXX I could understand how desperate her situation was. After few days, he sent a message that he needs my address where he could send me the check for XXXX rent fee. Before I got the mail of check, he tracked where my package is through XXXX and he checked if the maul got delivered or not. Once I got the check, it was {$3500.00} not {$690.00} which should be XXXX rent fee. So I asked him why you sent me over {$690.00}? And he said his XXXX XXXX mistakenly sent too much money and he should have sent {$3000.00} to the travel agent who will take care of his assistant to check her flight safe. So I felt bad to have that much money. He said I need to deposit the check first and send {$3000.00} to the travel agent excluding the XXXX rent fee of {$500.00}. He told me to send the difference back right now if not she will be in trouble with her XXXX  and she can not come to US. So I sent {$2000.00} first on XX/XX/XXXX on the same date when I deposited the check and I would send {$1000.00} tomorrow just in case it would be a fake one in my mind. And he said ok. I thought I could get {$3500.00} of check as soon as I deposited. Because my balance looks higher at that time. But when I told this to my friend, she said I got scammed. It turned out everything was fraud and I called the police and I called the bank of America to report it. I got returned the check on XX/XX/XXXX with the charge fee of {$12.00} as well. The police said they are trying to investigate but there is no need to help me with this cause they dont know who the scammer is. The bank said since I used XXXX transaction which is 3rd party company, they are not responsible for that. And they said I was willing to send it so it is my fault. They are trying to investigate it and to return my money back from the receiver by tracing the bank holder where I sent {$2000.00}. But they said they need permission from the receiver who is a scammer. But how could scammer let the bank take over {$2000.00} from the bank account. Since I am an XXXX XXXX and I have been in US for 2 years, this whole thing is new to me. I am a XXXX  XXXX so I really needed to find someone to take my sublease. Now, it was a scam. 

His phone number is XXXX XXXX XXXX In the pictures I attached, the white ones are the scammer and the grey ones are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the credit reporting agencies and creditors, with the last being o XX/XX/2021 which was, y second or third request. 
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the XXXX and XXXX XXXX format procedures to report. 
In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXXXXXX updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
Product: Debt collection

This company has non stopped called me for the past year and a half. They have left several voicemails and have been told to stop contacting me. They do not listen, this is another exhausting attempt to get these people to leave me alone they have been warned, not once not twice, but SEVERAL times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times via correspondence for reporting a collection on my credit that does not belong to me. The collection is XXXX XXXX account number XXXX. This account is in violation of my consumer rights and even XXXX and XXXX  removed it from my credit report. This is causing me a lot of distress because of their negligence.
Product: Credit reporting or other personal consumer reports

The following accounts have violated my federally protected 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 Upon reviewing my Experian credit report on XX/XX/year>, I found incomplete and inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must follow reasonable procedures to ensure the utmost accuracy of information in consumer reports ( 15 USC 1681 ( e ) ( b ) ).

Under 15 USC 1681 : Consumer reporting agencies are required to promptly delete or correct inaccurate or unverifiable information after a consumer dispute ( 15 USC 1681i ).

They must promptly inform the information provider if any information has been modified or deleted due to a dispute ( 15 USC 1681i ).
Consumer reporting agencies are prohibited from providing information to any consumer reporting agency if they know or have reasonable cause to believe it is inaccurate ( 15 USC 1681s-2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Victoria Secret credit card through Commenity Bank. On XX/XX/XXXX, I received a notification from XXXX that my credit report was pulled from this creditor. Keep in mind, I have multiple credit cards through this bank. I called their customer service department on XXXX to speak with a representative at Commenity bank. At XXXX EST, XXXX proceeded to tell me that her supervisor said because I updated my income, that resulted in an automatic hard pull, which is showing up as a hard inquiry on my credit report. I spoke with a supervisor named XXXX at XXXX AM on that same day who told me that this was true. She told me that I asked for a credit increase on XX/XX/XXXX and this is the reason why the report was pulled on XX/XX/XXXX due to this request on XX/XX/XXXX. I proceeded to tell her that is impossible. As I previously mentioned, I have several commenity Bank credit cards and I have requested credit limit increases in the past which have only ALWAYS resulted in a soft pull. I logged into my Experian account and can see all of the credit limit increases that I have asked for under soft pull inquiries- none of the credit increases I have requested through commenity bank are displayed under the hard pull inquiries list. Several other consumers have noted the same problem that Commenity Bank is pulling customers credits without their consent but have been able to speak with a supervisor and get this hard inquiry removed. Since I was not able to, this is why Im reporting this incident. Keep in mind I also reported this same bank through CFPB ( complaint ID XXXX ) in which they responded and told me they would not be reporting any such thing to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Mortgage company is still reporting on my credit report that the mortgage was included in bankruptcy in XX/XX/XXXX. However I sold the home in XX/XX/XXXX and the loan was paid in full. I have a paid off letter from Fifth Third Mortgage however Fifth Third Mortgage is refusing to update my credit report. I continued to lay the mortgage and the loan was paid in full.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I submitted a payment in full for an account administered by Synchrony Financial for a 0 % APR loan from XXXX ( a company that sells musical instruments ). My account was marked " closed. '' However, I noticed in XXXX that I was still being charged monthly for the account, even though it said it was closed. I contacted customer service and was assured that the account was closed and I was no longer being charged. Today ( XX/XX/XXXX ) I noticed that I have in fact been charged monthly since XXXX, even though the account continues to be marked " closed. '' I contacted customer service today, and they informed me that my payment on XX/XX/XXXX had been rejected. Therefore, they had raised my APR to 29.99 % and begun charging me monthly minimum payments at that rate since then. I was never informed of this decision, and in fact was even reassured by customer service. I also did not agree to make automatic minimum payments on this account.