23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen Loan Servicing engaged in dubious, illegal and patently fraudulent activity in pursuit of a foreclosure in XXXX State Supreme Court violating both the National Mortgage Settlement agreement with Ocwen, regarding servicing standards, and highlights the problems with Ocwen 's REALServicing platform as laid out in the lawsuit : CFPB v Ocwen Case # XXXX, US District Court , Southern District of Florida XX/XX/XXXX -- A " Denial for request of Mortgage Assistance, '' dated XX/XX/XXXX, was uploaded to the NY Court 's web system on-line during a mandatory foreclosure status conference ( mandatory appearance by plaintiff 's attorneys ). This was a fraudulent document given that defendants never applied for mortgage assistance. Blame was laid at the feet of an inexperienced young lawyer who had managed to gain access to the REALServicing system and obtain the document. 

XX/XX/XXXX -- Attorney affirmation by plaintiff 's lawyer stating the uploading of previous document was a " mistake '' XX/XX/XXXX -- Affidavit from Ocwen representative again stating " Denial '' document was mistakenly uploaded. 

XX/XX/XXXX -- Supplemental affidavit from same Ocwen representative reiterating that XX/XX/XXXX document was mistakenly uploaded. 

In response to two Show Cause orders XX/XX/XXXX and XX/XX/XXXX lawyers for two firms representing the plaintiff filed Affirmations in Opposition, respectively, that the mistake should be overlooked and that " ethics '' training had been instituted for all lawyers in the firm ( XX/XX/XXXX ) and that no real harm had been done to defendants ( XX/XX/XXXX ). Furthermore, in the XX/XX/XXXX filing plaintiffs attorney indicated that the REALServicing system had flagged the case and that no further modification-related communications with defendants would be initiated. Plaintiff 's lawyer stated that " Ocwen 's Records Are Accurately Kept, Maintained and Available To Their Foreclosure Firms. '' Plaintiff 's lawyer also stated ( XX/XX/XXXX ) that " care was taken to ensure that the offers were not sent, given Defendants ' clear position ''. 

XX/XX/XXXX -- Despite the aforementioned affirmation a packet of information, dated XX/XX/XXXX, was received by defendants. It was a " You Are Approved for a Loan Modification Trial Period Plan. '' Again neither defendant nor their attorney requested this modification.
Product: Credit card or prepaid card

The Wells Fargo credit card is a card that the company where I work ( XXXX XXXX XXXX gave me to pay my expenses related to the work I do, such as travel expenses, meals, gasoline, etc. However, when reviewing my expenses made in XX/XX/2019, I realized that XXXX expenses appeared that I did not make or authorize a purchase. later, for the month of XXXX of the same year, XXXX unauthorized expenses appeared, giving a total of {$6800.00} USD divided into XXXX unidentified expenses. I reported these expenses directly with the Wells Fargo Bank, they told me that this claim could not proceed since I still have the credit card in my possession and therefore the expenses do not proceed for review and return, later I did a second report with the same result. XXXX proceeded to directly request the revision of this problem again by means of a letter sent to the bank, the answer is that the investigation does not proceed. They can not verify that I did not make these expenses, but neither do they verify that I make them, when making a purchase in Mexico with a credit card, you have to sign the ticket where you authorize a purchase, however I request that the bank will do a double check who made these purchases in establishments and check who misused the card.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

Our property tax bill was sent to us and the mortgage company in early XXXX 2015. The early payment date is XXXX/XXXX/15. The mortgage company has not yet paid it, they do n't know when they 'll pay it and they have {$2700.00} in escrow available for a {$560.00} bill and a {$17.00} bill ( we have XXXX parcels each taxed independently ). Multiple requests to the vendor go without resolution. Now, our homeowners insurance is due in XX/XX/XXXX and I highly suspect that wo n't be paid on time either.
Product: Credit reporting or other personal consumer reports

In XXXX I purchased a home and entered into a XXXX XXXX XXXXXXXX Mortgage with my then husband for a 30 year fixed loan. We divorced in XXXX and I quitclaim the property title over to my ex spouse in return for cash, however he never removed my name from loan. 

XXXX XXXX XXXX and my ex-spouse modified the mortgage without my consent in XXXX, extending the term, changing the interest rate and payment which negatively impacted my credit score. This in turn increased my costs to borrow money and being denied credit. 

First, XXXX XXXX XXXX has fraudulently kept my name on a modified mortgage document I never signed. Secondly, the original 30 year fixed mortgage term has reached its Maturity Date, ending any contractual agreement between myself and the bank. 

After numerous phone calls to XXXX XXXX XXXX, they have provided no relief.
Product: Credit card

I signed up for BreadCashback American Express ( by Comenity Capital Bank ) on XX/XX/year> and after I fulfilled all the conditions for a reward of XXXX XXXX  - as it was advertised, it was frozen. For more than a XXXX  ( the last transaction happened on XX/XX/year> ), they have not explained to me why ( I don't owe a single cent ), except a letter asking me to call them. Even multiple calls from me to the call center of BreadCashback American Express led to no action, and I can not even close the account. They are only claiming there is a security issue - but not a single transaction is problematic, all were explained and fully recognised by me. Now, I have a virtually dead account that I can't close, which is very bad for my credit score. I can not file a complaint with them- they claim I can't file a complaint against their bank, only by writing a letter to the bank itself. I feel insecure and absolutely taken aback by the incredible lack of communication. This is not a way how to deal with an issue, I want to know for how long this situation can last and what are my options how to close the account when I don't owe anything, it is them who owe me now XXXX on rewards and on current balance XXXX XXXX  ( credit limit is XXXX, XXXX and Available Credit is XXXX, XXXX ). It is XX/XX/year> and the situation started on XX/XX/year>.
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, XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, Department of EducationXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 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 discovered that some of the information on my credit report was incorrect when I reviewed it. With your help, I need these accounts to be verified and fixed immediately. My credit report includes the following misleading accounts that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX. Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. Balance : {$18000.00}
Product: Checking or savings account

On Tuesday, XX/XX/2024. I was a victim of an Imposter scam. An individual call me pretending to be a local sheriff and stated that I had warrants for my arrest and that I needed to pay to have warrants freeze while I made my way down to the sheriff office. They gave me the option of paying the fee through XXXX a money sending app, which I did while on my way down to the sheriff office. When I got to the sheriff office, they informed me that it had been a scam. So, I call my bank ( PNC BANK N.A ) not even an hour had gone by since the transaction happened. The Bank told they will try to go after the money but never got a respond back. So, I reached out to the bank the following date to find out that there was no dispute file until the following day when I did the follow up. I believe PNC did not even try to go after funds until they cleared, even know that a XXXX transaction clears in minutes according to their customer service represetive but takes hours to be removed from pending on my end how? Since I have filed a police report and contacted PNC several times about the matter.
Product: Debt collection

They contacted me and identified the debt amounting to {$240.00} and I never received information to verify and validate the debt.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$2300.00} XXXX  XXXX XXXX Account number : XXXX Balance : {$1600.00} XXXXXXXX XXXX  Account number : XXXX Balance : {$2300.00} XXXX Account number : XXXX Balance : {$4500.00} XXXX Account number : XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The name used on my credit report said XXXX, XXXX I have never used this name before.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

XX/XX/2022 PAYPAL XXXX XXXX CA XXXX {$370.00} The paypal closed my case and I cant re open the case. I havent receive my purchased and I tried to contact the person involved but not cooperating. I want a refund please. Thanks!
Product: Debt collection

I have and installment with XXXX XXXX in XXXX XXXX Ok. I am still due for a partial late fee of XXXX. I have received 2-3 calls everyday over a partial late fee. They attempted to call my Job and were told that I could not receive personal calls at work. Since then, someone has called my job twice since being told I can not have personal calls, and then hung up. We do have caller Id at work. I received several harassing phone call and messages saying the will continue to call my job, with being well aware I can not receive calls at work. I spoke with XXXX she stated I was 2 months past due, I told her I am not, I am due for a payment as of today XX/XX/2018 and part of the late fee from may. She insisted on arguing with me say that she will continue to call everyday. I did express to her if I continue to receive the harassing phone calls I will send my cease and desist and will report her to the Cfpb, she responded in go ahead. XXXX was very rude and had a nasty attitude once I told her my name. with this office through mail, I will continue to pay on my account until paid in full. did express to XXXX I will drop my payment in the night drop on the XXXX. I also have a loan with their sister company XXXX XXXX XXXX, which is through the same home office and I have never had these problems with XXXX XXXX XXXX, which is right next door to XXXX XXXX. XXXX XXXX   XXXX are friendly and considerate and a great office to be in business with. XXXX XXXX, the staff is rude and they harass you.
Product: Mortgage

I have recently come to learn that my mortgage note was sold several times into a XXXX. The XXXX and XXXX XXXX reveals that my realty was securitized. The amounts are unclear. This scenario was not disclosed to me during closing and the signing of the XXXX XXXX XXXX XXXX on XXXX, nor the refinance on XXXX. Disclosures are very much the ideal under the Home Ownership & Equity Protection Act, Title 15, United States Code, Section 1639. The XXXX and XXXX XXXX, a public document, is also accessible to the XXXX XXXX XXXX XXXX. I am certain the profits derived from such mortgage-backed securitization was more than enough to extinguish my mortgage debt. '' It is my understanding that wagering monetary contracts are to be settled and closed in 3 years by the state comptroller of the currency. Planet Home Lending misrepresented themselves as " lenders ' in the transaction and on IRS tax documents. It appears Planet Home Lending is engaging in a conspiracy to defraud me and the UNITED STATES.
Product: Debt collection

I received a phone call about my debt. I have never taken a loan in my life and I have no debt. I said yes on the phone so I am sure they are going to use the recording of my voice for malicious reasons. When I talked to an agent, they would not tell me anything unless I provided sensitive information such as my SSN. I am terrified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered some inaccurate information in my credit report after looking into it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), the three credit bureausmust authenticate these items ( 1 ). ( A ). If no proof is provided within the specified time frame, it is unacceptable to classify these reporting items as unverified information. Specifically, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly look into the unverifiable items right away. 
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, credit repair services, or other personal consumer reports

I contacted TD Bank on XX/XX/2018 to make an inquiry for account # XXXX ( TD BANK XXXX XXXX ) as it reflects on all 3 of my credit reports, I spoke with a TD Bank representative to obtain information on the account and was informed that no information was found for account. TD Bank indicated the account may have been placed with their collection department and was forwarded to " XXXX XXXX XXXX '' which also informed me that no information for account # XXXX was found. 

I mailed a letter to TD Bank on XX/XX/18 by first class mail XXXX to follow up and request that the account be removed since no information for the account was verified or provided by either TD Bank, XXXX Credit Card Services and XXXX XXXX XXXX. 

I disputed the account with all 3 credit reporting agencies on XX/XX/18 and received results from TransUnion which had failed to investigate TD Bank XXXX XXXX # XXXX and continues to report the aforementioned trade-line without 'proper verification '.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX ), XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( Experian : XXXX ).
Product: Credit card or prepaid card

I have had a Nordstrom credit card since XXXX. The credit limit on the card was {$20000.00}. I had a baby XX/XX/XXXX. During my maternity leave I used the credit that was available to me because our family income was substantially reduced due to maternity leave. My husband and I are both at work now and normalizing our finances. 

Approximately XXXX weeks ago I took out a personal loan to pay off XXXX tradelines including the Nordstrom credit card because doing so would lower my payment. I paid off all but {$500.00} on the Nordstrom tradeline. The primary benefit of taking out the loan was to create slack between the total quantity of available credit and the total quantity of credit I am using, to drive up my credit score.

A week after paying the Nordstrom credit card Nordstrom involuntarily changed my available credit from {$20000.00} to {$500.00}. Nordstrom is now artificially reporting that the {$20000.00} tradeline I have been paying on for almost 20 years was a {$500.00} credit line over the life of the tradeline, which is a lie that damages my credit score. Nordstrom has erased my credit history of paying a {$20000.00} tradeline for almost 20 years and has ensured that my credit score can't improve by taking away the slack I created between the total quantity of available credit on my Nordstrom 's tradeline and the total quantity of credit being used on the Nordstrom tradeline.

I would have been better off paying off the Nordstrom tradeline completely and closing the line instead of leaving a {$500.00} balance to revolve in an effort to improve my credit score. The reward we get for paying off a large credit card is to have Nordstrom 's lie about the size of the loan we paid on for almost 20 years and to be stripped of the slack we created to improve our credit score.

Per Nordstrom 's own attached credit reduction letter, the reason my credit score is low is because I have high balances on my credit cards. So the moment I create slack on the cards to remedy the high balances, Nordstrom responds by immediately destroying all of the slack I created, and in so doing wittingly driving down my credit score. Nordstrom is perpetuating the problem that Nordstrom is using to justify denying me credit.
Product: Credit card

I made a purchase of a custom ring on XX/XX/XXXX, for {$860.00} which to this day I have not received. While dealing with the seller, at one point XX/XX/XXXX he sent me cheap ring as a gift for being patient while continuing to wait on the custom ring I ordered. After multiple promises to send, and my having not received, I tried to cancel with him which he refused, so I went to paypal to dispute it on my card. Initially, the charge was reversed, But it then was charged back to me, as he had apparently provided the shipping info for the gift he provided, on XX/XX/XXXX, and the dispute department did not look at the date of it, versus the XXXX emails of the continued promises to send the custom ring. So I had the dispute reopened, and resent copies of the emails between the seller and myself, where he clearly says he had not sent it, and at one point states he returned it to the manufacturer.XXXX, I came out of a meeting to a voicemail from a woman named XXXX, who states she is a senior account manager, and declining my refund due to it being a custom ring. I am well aware I ordered a custom ring, as that is what I wanted, but I NEVER RECIEVED IT, and have sent more than sufficient evidence of this. When I attempted to return her call, I am told I can not speak to anyone in that department, and can only reopen a dispute once this one is closed, which can take another 60 days to resolve. If I had received it, I would have already paid this off, which I'm sure can be seen by my account history, but feel it is not right to pay for something I can prove, and have proved to have never received. And to have now been spending this extensive amount of time fighting seems ridiculous. As of today, XX/XX/XXXX, it is now reflecting on my credit report stating I am disputing despite resolution, although it has not been resolved. I have still not received the ring, which I can prove through the emails, and am still being charged for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries on my credit report from CB INDIGO on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

Account closed in XXXX. Due to Maine statutes, this account should have been removed from my credit reports. This account keeps changing status. Account as closed per my request in XXXX XXXX, and due to medical hardship, I did not make any further payments. I have attached a letter crom Capitil One dated XXXX XXXX XXXX  for further reading. This is a blantant violation of Maine Statute .32 MRS 11013 ( 8 ).
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # 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: Mortgage

I submitted to PennyMac the note with my original signature and notarized on XX/XX/XXXX. They responded on XX/XX/XXXX stating they would conduct a full review of my loan. Then on XX/XX/XXXX letters were sent which will be attached requesting them information on my loan. Which were notarized and sent certified mail. On XX/XX/XXXX they responded stating thank you for requesting a reinstatement quote. Then on XX/XX/XXXX I received a letter that they were currently conducting a full review of my loan. Then no response and then found out they have filed foreclosure on XX/XX/XXXX.