23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have owned my home for 18 years and am facing foreclosure because my mortgage bank Ocwen Loan Servicing refuses to work with me, talk with me, or acknowledge my attempts at fixing the problem. I was overwhelmed with unexpected expenses a little over a year ago and it led to me being short on my finances and I missed the mortgage payment. I began trying to work this out with Ocwen, but they refused to speak with me and told me that my case was on hold so they could not talk to me about it. I did not know what this meant, and despite trying repeatedly over the next few months never got any straight answers. Meanwhile, I kept falling farther and farther behind. This could have been resolved after only a couple of missed payments because my financial crisis had passed. Eventually I found out that because I was in an unrelated bankruptcy action that Ocwen had determined that they could not talk with me about my delinquent mortgage payments. No one explained to me how or why this worked, or let me know that all that was needed was an authorization in order to discuss this. 

By the time this was figured out I was already in foreclosure. I have tried to engage with Ocwen and get them to work with me towards a modification but instead of doing so they are scheduling a sale date. I have the resources to afford a fair rate and payment. My current interest rate ( 8.55 % ) is very high and I deserve the chance to be considered for all government, state and internal programs. This could all be avoided if Ocwen were to follow the rules and negotiate with me in good faith. 

I served my country proudly in the United States XXXX for 26 years with a final rank of XXXX XXXX. I have worked as a XXXX XXXX for the last 21 years and recently retired. A little over a year ago, I had to replace the roof on my home and had major car repairs at the same time. This caused me to be short on finances and I missed the mortgage payment. I began trying to resolve this matter with Ocwen and asked to be considered for a modification. As explained, their agents would not discuss this matter with me, because of an unrelated bankruptcy that had been filed in XX/XX/2013. This had nothing to do with my late mortgage payments that I was trying to fix with Ocwen -- -once I got the hold removed on my case I expected that Ocwen would work with me to get a new review started. That was not the case. I still did not have an assigned account manager, I still did not get my questions answered and I was transferred from one department to the next and could not make any progress. This is very disheartening. Ocwen received billions of dollars in government aid from the taxpayers and they have a record of engaging in questionable foreclosure and servicing practices. All I am asking for is a chance to be considered for these homeowner assistance programs that were set up to help people such as myself. I feel that Ocwen is putting profit before people, which is especially galling considering my military service that kept this bank safe and secure.
Product: Debt collection

I co-signed for an apartment for an individual in XX/XX/XXXX. After the lease ended in XX/XX/XXXX, the individual I co-signed for left a balance with the apartment ( XXXX XXXX ) The unpaid balance was turned over to Columbia Collections in XXXX XXXXXXXX. The balance was paid off as of XX/XX/XXXX with a paid in full letter received from Columbia Collection. On XX/XX/XXXX, I reviewed an email from Columbia credit demanding I pay additional monies on this closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached removed from everything Con artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/2013 by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees.

If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( 1-877-382-4357 ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics. 


XXXX Analysis of Regulatory Violations & Consumer ComplaintsXX/XX/XXXX analysis-regulatory-penalties-consumer-co ... 
XX/XX/XXXX - Rank, Bank, Total Assets, Number of Violations. 1,  XXXX XXXX XXXX XXXX, $ XXXX, None. 2, XXXX XXXX, $ XXXX, None. 3,  BBVA Compass, $ XXXX ... 

Trump Has Appointed Some Major Corporate Cronies, but ... XXXX XXXX XX/XX/XXXX-ftc XX/XX/XXXX - XXXX also reportedly represented XXXX, another firm under FTC ...XX/XX/XXXX XXXX XXXX, XXXX XXXX, BBVA Compass, XXXX XXXX ( a maker ... of dollars in fines for securities and consumer protection violations. 

Trump Has Appointed Some Major Corporate Cronies, but ... XXXX XXXX XX/XX/XXXX-ftc XX/XX/XXXX - Trump Has Appointed Some Major Corporate Cronies, but This FTC Stooge ... XX/XX/XXXXXXXX XXXX, XXXX XXXX, BBVA Compass, XXXX XXXX ( a ... of dollars in fines for securities and consumer protection violations. 

DATA BREACH NOTIFICATION What Happened? What ... oag.ca.gov system files PDF XX/XX/XXXX - Please be advised that an external BBVA Compass contractor improperly ... of a limited number of bank customers and prospects in violation ... wish to review the Federal Trade Commission 's website at www.ftc.gov for more. 
Searches related to bbva compass bank ftc violations bbva compass dispute status bbva compass text alerts bbva compass customer service bbva customer service 24/7 bbva compass merchant check verification bbva online banking help bbva compass okc bbva compass corporate office Page Navigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Next
Product: Mortgage

AFTER RAISING MY MONTHLY PAYMENT FROM {$580.00} TO {$820.00} I CALL THE COMPANY AND EXPLAIN THAT I COULD NOT AFFORD SUCH INCREASE, I LIVE ON SOCIAL SECURITY CHECK, THEY OFFERED ME TO APPLY FOR A MODIFICATION LOAN, FILED OUT ALL REQUESTED DOCUMENTS AND WAS DENY ANY HELP ... .THERE REASON WAS " YOU ARE CURRENT " WHAT A JOKE! THEY SUGGESTED TO APPEAL? ANOTHER JOKE ... ..I AM AT A LOST!!!!!!!!! 

RESPECTFULLY XXXX XXXX
Product: Debt collection

Fair Collections & Outsourcing is reporting an expired debt on my credit files. Also, the original creditor, XXXX XXXX XXXX XXXX, XXXX, is no longer in business, no longer owns the property or the debt. 
Moreover, the original lease agreement is not signed by an authorized agent for the LLC. 
The Ledger shows that the Date of First Delinquency commenced XX/XX/2011 and continued each month until eviction was filed and writ was executed. Also, the ledger shows that a Late Fee of {$45.00} was charged the same months. 
According to the credit bureaus, the XXXX XXXX XXXX XXXX, XXXX, the original creditor, gave Fair Collections and Outsourcing the authority to handle this matter and the date of first delinquency. However, since, XXXX XXXX XXXX XXXX, XXXX, is no longer in business, and does not own the property or the debt. I am stuck with no option but to seek recourse through the XXXX XXXX XXXX. 

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Product: Debt collection

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$320.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit card or prepaid card

Dear JP Morgan/Chase- Thank you for approving my application for the INK Business Cash Business account in XX/XX/XXXX. But, not so thankful for engaging in inconspicuous and shamefaced lending discrimination. 
The card was indiscriminately shut down without any immediate notice on XX/XX/XXXX. The letter states " unexpected activity ''. How embarrassing and humiliating. Right? When I pressed CS for more question they started bouncing me around as they were completely clueless to answer any questions and eventually pointing to the Executive Office. The returning theme : we don't see any unexpected activity on your account. Disclaimer : I was never late on payments and all payments were made in FULL. Moreover, I am a credit worthy individual and business owner with a credit score considered excellent by all 3 major credit bureaus. 
During the course of this inquiry I will demonstrate how JP Morgan/Chase engages in subtle lending discrimination and breaking federal and state banking laws every day. In theory, the company allegedly claims that all creditworthy customers have equal access credit. In practice, they approve and shut down accounts for customers whom they think wont fit into their internal algorithm ( i.e. not paying interest on balances because the balance is paid in full and just reaping cash or other rewards ). According to a bank employee, after a year, they review accounts and purge customers who are not profitable ( Not paying fees or interest charges and just reaping rewards ). This is  DIFFERENT from customers who are churners, reap wards and closing accounts. This would be a legitimate reason to close an account. My case is different and points to a serious, subtle lending discrimination issue. 
In addition, the non-profitable customers SSN is flagged. As a result he or she is unable to open any deposit accounts and new credit account will be shut down followed by a canned we are severing our relationship with you letter. Interestingly, my account was immediately shut down after I cashed in my yearly rewards. Very interesting, right? According to Chases algorithm : Why should we keep this customer that we are not making money off of and just reaping rewards? 
When they faced with pressing questions ( from the Executive office ) they just send out a canned response which is a blatant lie. See attached. 
My attorney general 's office and congressman have been notified and started their initial investigation. 
Honesty and a modicum of respect go a long way. Not, when it comes to the business practices of JP Morgan/Chase. I am hoping this and all subsequent complaints will be read by millions of potential customers and it should be cautionary tale before they think about starting a relationship with a company like Chase/JP Morgan.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an item on my credit report that I believe is being reported inaccurately. Specifically, there is a debt listed under XXXX that I do not own and that is not valid. 
I believe my personal information has been misused, and this debt has been mistakenly associated with my name. I have reviewed my records and can confirm that I have no account, contract, or financial obligation with XXXX. 
This incorrect information is causing harm to my credit score and could negatively impact my financial future. I respectfully request that you investigate this matter and ensure that the erroneous entry be deleted from my credit report as soon as possible.

Please let me know what documentation or further steps are needed on my end to facilitate this process. I appreciate your prompt attention to this issue, and I look forward to your response. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunrise Collection Service has placed on my credit report a Collection account without notifying me. I contacted them and they said that they were collecting on behalf of XXXX  and that they emailed me and sent a letter to my home. We could not located the email and a letter was never sent to my home. They refused to resend it. I contacted XXXX  regarding any bill that I had and I paid them directly. I was advised by XXXX XXXX at Sunrise  Collection Services that the negative credit would be removed by XXXX. They would not provide this in writing, therefore I am not comfortable with the promise of deletion.
Product: Debt collection

Transworld Systems sent a Garnishment to my employment about 3 years ago that looked like an official court Order. So my employer started sending them money, until the amount on the paper was paid in Full.. about 2 month Later they are saying I now owe them more Money in interest.. 
The Credit card was for {$4000.00}. I paid over {$13000.00} They are Now saying I owe $ XXXX interest. I feel that is XXXX XXXX. 

They also sent a Paper that looked like court papers from the Government UNITED STATES GOVERNMENT WAGE GARNISHMENT ORDER I tried to talk to the lady and she said Listen Here I know all the laws for each state and Im not going to sit here and argue with you & then hung up.

I told her it was against the law to impersonate being of Higher power or something you are Not. 

These papers looked like court documents from the federal Government my employer thought it looked Legit & started taking garnishments out of my Checks The total Of {$13000.00} on a Bill that was Only {$4000.00} to start with. Then when the amount of {$13000.00} was paid full that looked like a court order and was not they sent a letter stating I owe {$3500.00} in more interest. To me this is stealing and then should be addressed.
Product: Credit reporting or other personal consumer reports

I open a secure credit card and gave them {$300.00} The account was closed XXXX they are saying it was closed XXXX? And charged off in XXXX. 
They are saying that I owe {$490.00}. Still? How can that be possible if I only had a {$300.00}. Credit limit and they took the {$300.00}. When they closed the account? And they charged off the amount and got that Also. They are still reporting this to the credit bureaus after being charged off and took the {$300.00}. And closed for 9 years. This bank are crooks. So basically they want me to pay {$490.00} still even though they took the {$300.00} on deposit and charged it off. So I'd be paying {$790.00} for a {$300.00} credit card. I asked about this and they just says yes to pay an additional {$490.00}? I asked what for with no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

In accordance with the Fair Credit Reporting Act the companies listed above violated my rights...

15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information.

15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report.

15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Product: Debt collection

Last week I spoke with comenity bank with corporate headquarters at XXXX XXXX XXXX, XXXX XXXX in XXXX Delaware, regarding a furniture payment and explained that I would make a payment online next week when I get paid. That was on XX/XX/22, todays date is XX/XX/22, I get paid this upcoming Friday XX/XX/22. They block their caller id frequently, and call from multiple numbers. Yesterday I received a total of XXXX phone calls, I believe this would be considered that they were harrassing me. Calling me multiple times in XXXX hour. The first call was XXXX on XX/XX/22 from the number XXXX. The next call was at XXXX XX/XX/22 from the number XXXX. The next call was at XXXX XX/XX/22 XXXX. The next call they blocked their caller id and called at XXXX XX/XX/22. The next call was at XXXX from the number XXXX. They blocked their caller id again when they called at XXXX and then again from a blocked caller id at XXXX on XX/XX/22. They called again at XXXX from the number XXXX on XX/XX/22. They called again from the number XXXX at XXXX on XX/XX/22. Then they called at XXXX from from the number XXXX on XX/XX/22. Today they called repeatedly from a blocked number. On XX/XX/22 I received a call from them at XXXX, then another at XXXX, and then again at XXXX. I explained to the first person I spoke to on XX/XX/22 that I don't appreciate them masking their caller id. It simply says " Unknown Caller ''. They never state that the call is being recorded, and when I asked the lady today she said it was not being recorded. I may be wrong, but I manage a call center for a dealership, we must record all inbound and outbound calls, and we must state on the onset of the call that it is being recorded. Without doing so, I believe they are in violation of FTC regulations. When I told her I knew the laws and that they were in violation because I manage a call center, she said " well then you should be able to pay your bills. '' I feel that was degrading, not sure if it violates anything though. I then repeatedly asked to speak to a supervisor, which she refused. It's not just XXXX person making these calls, but this particular lady was very disrespectful. I was so frustrated I ended up YELLING over her, she would not let me speak, and finally ended up cursing and then hanging up. calling XXXX in XXXX day is harrassing and abusive. Calling XXXX in XXXX hour is harrassing and abusive. I realize I missed a payment, but I explained when I would be making that payment and they continue with these incredibly upsetting and repeated calls. At the very least this violates the FDCPA
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account MERCEDES-BENZ FINANC which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that MERCEDES-BENZ FINANC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

JP Morgan Chase Bank, please answer the following questions : 1. ) On XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, JPMorgan Chase accessed information about me through XXXX XXXX XXXX , XXXX. 
*What was the valid reason for accessing my personal information through XXXX XXXX XXXX , XXXX? 

2. ) The Chase Checking Account that was closed recently during XX/XX/XXXX had a routing or XXXX number of XXXX, according to checks and statements provided to me by Chase. 
XXXX XXXX XXXX showed Chase reporting an XXXX routing number of XXXX, before and after I had disputed the XXXX number with Chase. 
*Why do these two routing numbers not match? 

3. ) XX/XX/XXXX, I received a response, from XXXX XXXX XXXX XXXX, to a dispute about information Chase was providing on my report. Dispute case ID XXXX The information Chase had been submitting was deleted due to disputed info being incomplete, inaccurate or unverifiable. 
*Is this true? 

Once again, I have asked 3. ) * questions. 

I will send the CFPB copies of the information I have pertaining to the 3 questions in this complaint, via US Mail, which are the XXXX XXXX XXXX, XXXX reports I've received. 

Thank you for your attention and humbly await your response,
Product: Debt collection

I had XXXX & XXXX, and they charged that to me
Product: Credit reporting or other personal consumer reports

XX/XX/24 Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to request specific information regarding an account that appears on my credit report. Please note that I am not disputing the account. I am simply requesting the following details for my records : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge Off The account in question is : Creditor Name : XXXX XXXX  Account Number : XXXX Current Balance : {$9200.00} XXXX kindly ask that this information be provided at your earliest convenience. If additional documentation or verification is required from me, please do not hesitate to reach out. 
Thank you for your time and assistance. I can be reached at XXXX or XXXX should you need further information. 
Sincerely, 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

XXXX has not and will not correct incorrect information on my credit report regarding my mortgage. I am XXXX and unable to obtain housing due to the inaccurate reporting on XXXX.
Product: Debt collection

I received an alert for my  XXXX  credit report on  XXXX / XXXX /   2017  that an account from Erc ( enhanced recovery corporation ) added a colllection account in the amount of  XXXX  dollars to my credit report. This collection account was added on  XXXX / XXXX / 2017 . I was never made aware of this debt and have not received any written documentation concerning this debt or allowing for me to dispute this debt. I have never had a contract or relationship with ERC and believe they used unfair practices in reporting this debt without first providing me written notice allowing me to dispute this said debt. I 'm currently disputing this debt with  XXXX .
Product: Checking or savings account

On XX/XX/XXXX, I got an email from Chase Bank that I had opened a new business checking account. Upon receiving this email, I immediately called the company to try to fix the issue. I told them I did not do this. They needed my social security number, and I did not feel comfortable giving it to them, so they told me to go to a local Chase bank. I did not have any other account information. Today, XX/XX/XXXX, I was able to get a hold of the right department and close the account.
Product: Credit reporting or other personal consumer reports

REGARDING ACCOUNT LISTED BELOW THAT DOES NOT BELONG TO ME ON MY REPORT. 
I am requesting you to validate the debt on this account. Please send me my original signature of account and anything that identifies that I applied for this account and all payments made and how they were made if it was online and or a check and copies of checks within 30 days. Or delete this account I have the right to validate this by FCRA law. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ACCT # ORIGIAL CREDITOR XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2023. 
CHARGE OFF COLLECTION {$3400.00} BEST REGARDS, XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I "XXXX XXXX XXXX ", is reaching out in regard to noticing on my consumer report. That I see collection accounts and inquires that are not related to me. Which in fact, according to the FCRA act that was passed through law 15 U.S. Code 1681 - permissible purposes 15 U.S. Code 1681 C2 blockages of information. These codes were broken by the consumer reporting agencies, and I'm requesting for these accounts to be deleted and removed immediately.
Product: Debt collection

XXXX XXXX  of debt that I had nothing to do with.