23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is against OCWEN Loan Servicing , LLC who has once again filed to foreclose on my property on XX/XX/XXXX despite numerous complaints filed against Ocwen for violations of the NMS, the XXXX Consent Orders, TILA, RESPA, FDCPA, FCRA, and the CFPB Guidelines for Servicers. Despite various complaints regarding the property at XXXX, XXXX, XXXX XXXX, including an illegal lending transaction, robosigning, and innumerable violations of the above court orders, laws and regulations, Ocwen persists in refusing to respond to detailed complaints with proof attached, and is trying again to foreclose again which makes 8 times in just over a year which shows the desperation Ocwen has to create a legal document regarding the property that to date does not exist other than my Warranty Deed. All other docs in the chain of title are fraudulent. 
For this attempted FC Ocwen did not send the 14 day notice prior to FC, and its attorneys did not send the notice of FC within 30 days under state law. 
Ocwen ignores the illegal lending, void transaction in the initiation of the mortgage by a company that was not incorporated and not licensed as a lender. Exhibit B-C-D. 
Assignments in the chain of title are blatant robosigning documents as shown. Exhibits G-H-I & O. In fact Ocwen robosigning has continued unabated since XXXX, Exhibits G-H-I-O. 
Extensive complaints have been filed by me against Ocwen for its specific violations of the NMS and the CFPB regs and Dodd-Frank with very specific cites to violations of TILA, RESPA, FDCPA, FCRA, without any response from Ocwen other than general denials. See Addendum Exhibit Numerous violationos of state laws and cases have been submitted to counsel for Ocwen with no response whatsoever. XXXX Letter & Addendum Exhibits Extensive violatations have been noted of Ocwen 's violations of law re suspense accts, escrow accts, application of payments, and proper credit by Ocwen 's own admission Exhibit E. 
Ocwen uses an illegal and inaccurate demand letter dated XX/XX/XXXX which incorrectly states amounts supposedly owed, which figure Ocwen has changed numerous times but has never sent anything like a accurate statement of account demand in violation of law and regs Exhibit L A settlement letter equivalent of a loan modification was sent directly to Ocwen and its attorneys but has never been responded to in over a year. Exhibit F Ocwen has engaged in regular, constant and consistent violation of the required conduct of the NMS, the XXXX Consent Orders apparently believing they can do so with impunity.
Product: Debt collection

On XX/XX/23 and XX/XX/23 I disputed account asking to verify or delete immediately as I do not recall this debt nor having account open with this creditor. Dispute was sent via mail with a certified and return label, return confirmation # XXXX. On XX/XX/23 @ XXXX dispute letter was delivered to agent and I have not heard back from them. Over 30 days have passed and no response. I have tried multiple times to contact them via phone call @ XXXX and have not been able to go through all the way and talk to agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  XXXX ACCT # XXXX, ACCT # XXXX, ACCT # XXXX, ACCT # XXXX ACCT # XXXX, ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX, ACCT # XXXX  ACCT # XXXX. XXXX XXXX  ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have 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 2 ; it also a 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 information is inaccurate.
Product: Payday loan, title loan, or personal loan

I paid off loan # XXXX for a XXXX XXXX on XX/XX/XXXX, I have not received the title for this car, I was told that the title was maile to the state of Alabama. The state says they do not have the title. 

My Profile Contact Details First Name XXXX XXXX XXXX Last Name XXXX XXXX XXXX XXXX XXXX Email XXXX MY ACCOUNT SummaryDetailsStatements Vehicle Description XXXX XXXX XXXX  VIN # XXXX Customer Name XXXX XXXX Current Amount Due {$0.00} Total Amount Due {$0.00} CHECK PENDING PAYMENTS Last Payment Amount {$5000.00} Last Payment Date XX/XX/XXXX Principal Balance {$0.00} Contract Date XX/XX/XXXX Payment Due Date XX/XX/XXXX The principal balance on your account is the amount unpaid on the account, but does not include interest or other charges. This is different than Payoff amount. 
AUTOPAY Say goodbye to stamps and checks. Say hello to ease and convenience. 

Sign up now YOUR DEALER ( XXXX ) XXXX XXXX XXXX XXXX PhoneXXXXFax.XXXX Visit dealer website OUR COMPANY CONTACT US FAQS CAREERS SITE MAP FIND A DEALER TERMS & CONDITIONS PRIVACY POLICY
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX   XXXX XXXX {$730.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   {$5100.00} XXXX XX/XX/XXXX XXXX XXXX  {$650.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX* XXXX XX/XX/XXXX XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX$53.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Please keep in mind that XXXX ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the XXXX XXXX Collections Practices XXXX. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have initiated a correction with XXXX, XXXX and Experian regarding the status of a student loan that is showing 90 days past due on all three of my credit reports. I have submitted documenting twice to all three companies to show there was an approved forbearance. After the initial 30 day investigation, nothing was updated and I was told to resubmit the paperwork for all three to re-investigate. All there have requested the info for the re-investigation via mail, on line and fax. I am unable to access an account information that is sent to me, the sites keep saying my information is not correct and while speaking with each company no one seems to understand and or provide any information. When asked to speak with supervisors I am wither hung up on or transferred to a line no one answers. 

I understand that opening an investigation, the companies are supposed to investigate, when asked how they conduct the investigation they have no answer and seem to loose or misplace the documentation that is sent directly to them. The work is already done for them in providing the documentation, which I had to do to actually fix the issue. 

I have received emails from all the companies setting the dispute is completed but when I call they state they are still investigating. How can both be true? I am just looking for my credit report to be accurate. It is a shame that the reporting agencies actually have the power to provide details about an account under the guise of we investigated.
Product: Student loan

I am currently going through a bankruptcy and I was told by my lawyer to have any debt collectors call them. I informed Navient on my federal and my private loans of this information back in XXXX 2016. They are now calling me harassing me for payment, they have also sent my private loan to the collection department. When I tell them that they are to contact my lawyer they now are telling me that there is nothing on file and that they are allowed to call me. I told them to pull the phone calls and go back in there records, they are refusing to do that and are still continuing to harass me. They are also contacting me by mail. I have ceased them from calling my cell phone and they are continuing to call me. When you received the default notice I called the Navient phone number on the notice and again gave them my lawyers information ; and they are still continuing to call and harass me for payment. They have violated the FDCPA several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account # 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 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

I have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, for a few separate months they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and tried disputing it with the company because I had paid it and the website said they received the payment and not my mistake but they haven't removed them. This was an issue with their website that i was assured was corrected. They acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on loan and this was not my mistake.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/XXXX2015 there are no on time payments form XX/XX/XXXX2015 to XX/XX/XXXX2018 this is inaccurate payment history reporting.The information regarding this account fails to report completely I do not see the monthly payment, terms, past due, date of last payment, date of the first delincuency and date closed being reported. Please provide the information or take this account off of my credit report : XXXX : XXXX XXXX Experian : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX By the provisions of the fair credit reporting act I demand remove any information that the creditor can not verify I understand that under 15 USC Sec 1681 ( a ) you must complete the reinvestigation within XXXX  days.
Product: Payday loan, title loan, or personal loan

The loan was paid off XX/XX/2020 and acknowledged by the company, who indicated that the title would be forwarded to me within 2-3 weeks. As of this date I have not received the document and am unable to speak with anyone since being put on unlimited hold when calling their phone.
Product: Mortgage

My mother and my grandmother, lived in a home purchased from Wells Fargo Bank. My mother purchased the property from Wells Fargo Bank. The people who lived next door to my mother were the judge of the courts in the city my mother resided in, ( The one who did my mother 's case when Wells Fargo took my mother to Foreclosure court ), and her husband, ( A Sheriff of the same county and city ). 
They would not let my mother file for help to save the property, because the judge and her husband wanted the property for their family member, their son I believe, whom lives in the property right now, ( XX/XX/2023 ). 
They worked with the judge to put my mother out of the property so that they could purchase it for their family member, and Wells Fargo did exactly that. 
My mother deserves justice. Please all I ask is that you guys would look into this situation, please.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts, addresses, and names. While checking my credit report, I noticed accounts, I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Also, I found fraudulent addresses and inaccurate names. Please remove fraudulent addresses and inaccurate names from my credit report. 
FROUDULENT ACCOUNTS! 
XXXX XXXX Balance : {$5400.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$5000.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Revolving XXXX  XXXX Balance : {$3400.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$5500.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving XXXX XXXX XXXX XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Credit limit XXXX {$1000.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Credit limit : {$5000.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving FROUDULENT ADRESSES! 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX FRAUDULENT NAMES! 
XXXX XXXX XXXX XXXX XXXX! 
XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

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: Student loan

I received info about XXXX XXXX XXXX XXXX as an option to help me lower my monthly payments on my loans. I contacted them and they were very friendly and helpful and I have been utilizing them for four years now. Then my husband graduated and I told him to do the same because it was great. So he did, but this time they were calling themselves Ameritech. Still very nice and very helpful and although that seemed weird we went with it. Then two days ago we received a letter from the United States of America Federal Trade Commission advising us that Ameritech was being sued for deceptive practices and that we should look into our services. I contacted my lender to learn that I was on a $ XXXX  monthly payment due to a family size of XXXX. That is much larger than my family is. I did not understand that is how my monthly payment was so low. I paid them {$49.00} each month for four years in addition to initially paying them {$1200.00} over four payments to initialize the program. So for four years I have had a " {$0.00} '' payment and paying them each month, all the while my interest has been sky rocketing on my student loan. My husband pays them {$74.00} each month for a " {$0.00} '' monthly payment. I feel so ignorant now that I didn't see this as deceiving until we called to check in with our lenders.