23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The Complaint is against Ocwen Loan Servicing. Ocwen loan servicing is engaging in mortgage back securities to defraud investors which is a federal crime. Ocwen loan servicing fraudulently created mortgage back securities to defraud investors. Please see attached letter from Ocwen ( Exhibit 1 ) On XX/XX/XXXX see attached notice of ownership change from Ocwen claiming they transferred dated XX/XX/XXXX to XXXX pass-through trust  XXXX. The letter states Its for informational purposes only and required by federal law. It also states the transfer of ownership has not yet been publicly record. ( See Exhibit 2 ) On XX/XX/XXXX ( Years after the trust was closed ) Ocwen fraudulently created a corporate assignment of mortgage from XXXX XXXX to XXXX not in its individual capacity but solely as trustee of XXXX pass-through trust  XXXX see attached ( exhibit 3. ) Ocwen loan servicing created fraudulent mortgage back securities and sold it in the stock market to investors. The assignment was never recorded under XXXX XXXX as trustee in XXXX  land  Court bureau of conveyance. The consumer financial protection bureau and Securities and exchange commission should Immediately investigate Ocwen loan servicing for creating fraudulent mortgage back securities and defrauding investors which is a Federal crime. If XXXX XXXX  is trustee for the XXXX Passthrough trust XXXX then Ocwen loan servicing needs to produce a recorded assignment in the name of XXXX as trustee on or about the closing date of the pooling and servicing agreement. I am asking the CFPB to immediately look into these fraudulent mortgage back securities that XXXX XXXX, Ocwen, XXXX XXXX XXXX and XXXX are engaging in. Im asking Ocwen loan servicing through CFPB ( Consumer financial protection bureau ) to provide a copy of the recorded assignment showing XXXX as trustee for the XXXX Passthrough trust XXXX as required by the pooling and servicing agreement. We have many unrecorded fraudulent assignments that Ocwen created to produce fraudulent mortgage backed securities with no clear title of the property. Ocwen loan servicing should stop creating unrecorded assignment of mortgages to engage in mortgage backed securities fraud which is a federal crime. I'm asking the CFPB or the proper entity ( Security and exchange commission ) to immediately investigate Ocwen loan servicing in their mortgage back securities fraud.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Payday loan, title loan, or personal loan

I was out on short term XXXX due to breaking my arm on XX/XX/XXXX. I had insurance on my account to pay my payments while I was out of work and I gave XXXX XXXX ALL of my doctors forms to get my payment paid. I dont know why my XX/XX/XXXX was Showing late. This is XXXX XXXX  fault not mine. Please help me get this corrected. I have been to the office on XXXX XXXX many times asking about this. They tell me to file a complaint. I HAVE AND I GET A IT STAYS ON YOUR REPORT!!! Every time.. Thank you ...
Product: Payday loan, title loan, or personal loan

I got this loan as a requirement to get an XXXX XXXX XXXX through XXXX. Wanted to pay the full amount, but they had limited stock and bundled it with this installment loan. 

I paid off the balance within a few months and thought it would be closed since it was an installment loan. 

It never closed. I called in XXXX and requested the account be closed. A few months later, it is still on my credit report as " Open ''.
Product: Credit card or prepaid card

On XX/XX/XXXX I called the Eppicard  to check my balance. I inquired about the last 10 transactions and eight of them were fraudulent. Upon detecting fraud looking into the last five months my account has been compromised.I had received a large lump sum deposit on for XX/XX/2019 in the amount of $ XXXX the same day a ATM withdrawal was made at a credit union 25 mins from my home that was not me and the charges continued until the XXXX of XXXX upon canceling and reporting fraud to the Eppicard  company on XX/XX/XXXX. I have had possession and still do have the card that has been frauded.
Product: Debt collection

This service from XXXX was requested fraudulently, Im being penalized for service I never received, nor requested. I was told by representative that this account would be deleted.
Product: Credit reporting or other personal consumer reports

There is a wrong name in my credit report.. i dont know as nmine...
Product: Checking or savings account

I had XXXX taken out of my account XX/XX/XXXX & XX/XX/XXXX, I seen it in an Email and not my regular messaging from NetSpend Ace elite, I tried to order XXXX XXXX Saturday it wouldn't go through for {$12.00} and some change so I tried checked my balance in my account it stated wrong username and password. it went to a XXXX XXXX XXXX in XXXX XXXX Va, I have tried Several several times to speak to the reps there about my account, they keep giving me the run around over and over again, I even just ask to send a statement to my home I was denied. I reported my card being fraudulent on the same Saturday They were suppose to freeze my account. But I'm still getting notifications about it and not on the regular Messaging for NetSpend
Product: Bank account or service

I was a beneficiary on a trust held at a wells fargo bank in CA and somehow my sister was allowed transfer the entire trust of {$200000.00} into her personal wells fargo account and close the trust account 6- 8 years ago. I have contacted the attorneys in XXXX CA that were supposed to be handling the trust and they have not responded. I have reviewed the court file and no final accounting/ settlement or other court order was ever entered that would have given authority to either my sister or the bank to transfer this trust money into my sisters personal account. Somehow the bank made this transfer without a court order. In addition, prior to the illegal transfer of the trust money to my sister, I have information that XXXX names were added to the wells fargo trust bank account and that those XXXX individuals were paid trustee fees off of the trust bank account even though there was never a court order giving them such authority nor was there a court order directing the bank to add anyone to the trust account.
Product: Debt collection

Around XX/XX/2019 I was contacted by letter by Portfolio Recovery Associates, LLC which alleged I owed a debt to XXXX XXXX. This company also alleged the debt was previously held with XXXX with previous creditor XXXX. Before I was contacted by this Collection Company, I received several phone calls in regard this matter. I asked them to cease all kind of communication but I received more robocalls afterwards for which they had violated the law Under the federal Fair Debt Collection Practices Act ( FDCPA ). 

This Debt was previously handled by XXXX XXXX  who bought XXXX Credit ( also known as XXXX ) and sent me several attempts to collect this funds in communication letters. Ive never opened an account with XXXX XXXX  for XXXX and I will never use their services for their high interest rate and bad reputation. This is not an statement to talk about the Bank but the Collection Company who allegedly bought this debt. Attached are proof of the initial dispute I sent to this Collection Company as soon as I received their first letter. The letter ( see adjustment ) asked to the Company ( Portfolio Recovery Associates ) to validate the debt and to send me proof I owe them. The confirmation for receiving documents in envelope was signed by them ( see adjustment ).

After not receiving any communication for 2 months ( approximately ) this collection company reported to all 3 credit bureaus and my credit score significantly decreased. Once again, violating the law Under the federal Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) since I asked them to Validate or Cease Collection. This is the last attempt before Im taking legal actions against Portfolio Recovery Associates, LLC for Violating the FDCPA and CFPB law, attempting against my moral character, and making illegal robocalls. Im also working with XXXX XXXX XXXX for this same matter.
Product: Debt collection

I was sued on XX/XX/XXXX by Professional Finance Co and the judgement was taken up by XXXX, XXXX XXXX  XXXX XXXX for an ancient ER bill. The original bill was from XXXX for {$730.00}, but as of XX/XX/XXXX they begun garnishing my wages to the tune of {$3500.00}. I was NEVER contacted by PFC, NEVER contacted by the law firm they sold the debt to, and when I contacted the aforementioned law firm not only did they not care at all that I was never made aware of any of this until after they started garnishing my wages, I found out that all the debt notices and legal paperwork was sent to an old address that I haven't lived at since XXXX. So they can find out where I work so they can take my money but they can't be bothered to search public records to find my current address when it's time to notify me that I owed money? Gee, kind of seems like they didn't want me to be able to respond or dispute anything, makes it easier for them to snowball the amount owed. I don't know if there's anything that can still be done about this but I will be contacting a lawyer soon and filing a bar complaint against this law firm as well. Taking {$3500.00} of my money for a {$730.00} debt, that is flat out criminal and these people need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue with XXXX is not that its not reporting accurately. It's not reporting on time. If I pay on time or more than once in a month. It should reflect that on my credit report, and in my credit score.I 've reached out to XXXX and the Bureaus its reporting to. Today I contacted Equifax on XX/XX/2018.Equifax stated that XXXX hasn't reported in 3 months.This is hendering me from getting a home loan, passed up on a promotion at work.I can't even get approved for a rental home. I'm paying on time, or before time. XXXX is a great company, and provide great service aside from reporting on time monthly.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXXXXXXXXXX XXXX {$0.00} - XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax received false information from XXXX pertaining to a bankruptcy associated with the social security number provided to me. They've since added the false information to the credit profiles for which they maintain under my social security number. I've connected with XXXX who has since removed the false information related to the bankruptcy from my XXXX report. XXXX and Equifax have failed to provide me with documentation for which my signature is attached to showing how they were able to prove the validity of the bankruptcy. The courts have stated that they do not provide information to third parties and gathering information without verifying its validity is illegal. XXXX has sent documentation to both XXXX and Equifax regarding the removal and they have not updated my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.CITIBANK USA , NA XXXX XXXX XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX & fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX & XXXXXXXX XXXX XXXXXXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXXXXXX XXXX XXXX, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.
Product: Debt collection

XXXX XXXX XXXX was initially on my credit as a public record for an apartment somewhere in South Carolina starting in XXXX. I was in the XXXX XXXX from XXXX to XXXX in XXXX XXXX, NY. I disputed the transaction multiple times, and finally it was deleted from my credit in XXXX for a couple of months. It came back and this time it was n't under public records, but under collections. I 've written to the company requesting information to prove it was me, but I never received a reply with supporting documents. I have documents and discharge papers proving it was I was stationed in New York, and I still have n't seen any progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act this creditor ; has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an OPEN consumer credit plan, as late under any purpose.
Product: Checking or savings account

On XX/XX/19 at XXXX XXXX I made a purchase at XXXX with my debit card in the amount of {$60.00} ( Balance was {$21.00} before transaction ). Normally transactions are pending for 2-3 days before posting. I made a deposit of {$50.00} to the account on XX/XX/19 at XXXX XXXX bringing the account balance to {$11.00}. At that time, no fee had been added to my account. I have dated email notifications from WF. 

Wells Fargo charged me a fee for overdraft in the amount of {$35.00} on XX/XX/19 at XXXX XXXX which brought my balance to $ XXXX. I called to speak to someone to request that the fee be reversed and the a representative that informed me that I have until XXXX XXXX   on the night of the transaction to cover any negative balance. This was NEVER told to me before and NEVER has a debit card transaction posted to my account in less than 24 hours. 

This bank has consistently displayed predatory banking practices in order to extract fees from its customers.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion ignored my request in their response letter concerning my dispute on  X/XX/2017   .   Judgement :  XXXX   Circuit Court C ase ID :  XXXX  Under Secti on 611 ( 5 ) ( A  ) of the FCRA you are required to promptly DELETE all information which can not be verified.     Please resolve this issue as soon as possible, thank you.
Product: Money transfer, virtual currency, or money service

This also fits under the fraud category, but I've already tried to dispute my fraudulent experience with Paypal and they refused to help based on their own policies about money transfers between " friends/family '' vs. business transactions. 

Ultimately, I bought tickets for a very small local show through someone selling on the XXXX discussion page. After texting back and forth, they seemed legitimate and of course after the money transfer was initiated is when it began to appear suspicious. I IMMEDIATELY disputed the transaction with Paypal and considering they said the user wouldn't receive funds until the following Monday ( transaction was on a Thursday ) it seems highly likely they could have cancelled the transaction in time if they cared even slightly about their customers. They closed the case simply because they don't provide purchase protection on that type of transaction. 

Overall, their website needs to do better and take more initiative in preventing this type of fraud. I was told to pay the scam artist through friends/family format and wasn't initially suspicious because Paypal claims this method does not come with additional fees. So yeah, when it's a peer to peer payment it makes sense that they wouldn't want added fees. Well, the first misleading information is that this method does in fact, still come with fees. {$4.00} of additional fees, to be specific. Secondly, they need to do a better job of stating that when sending through family/friends you WILL NOT GET YOUR MONEY BACK. PERIOD. If you care about your customers, spell it out. I did a quick search on their website for customer protection and found a page that made me feel secure with my decision. Well of course, when I go back to the page and read the fine print and details it turns out that my transaction was of course, not covered. 

You're the leading money transferring service in the world. Do better. 

Also, I filed a formal complaint against the user with customer service. All they did was limit his ability to sell, which of course, means he can continue to accept money and scam other Paypal customers. Paypal does the bare minimum to protect its customers and prevent fraud.
Product: Checking or savings account

Received a letter about an overdraft on an account at a bank I do not know
Product: Mortgage

I was in forbearance since COVID started. This bank kept calling me and calling me and I finally was able to pay what I owed. When I paid them, they said there shouldnt be any fees but on the day I sen tin my payment, they tack on a Property inspection fee. This was all on XX/XX/19. I have called twice and 2 agents told me there shouldnt be any fees and they will escalated but after a month since the fees was put on. Its still there and the bank agents just give me run arounds and escalate that goes nowhere. The fee is {$15.00} but its not the amount. Its the way they tack these onto unsuspecting customers. And this is after I ask them if there are any fees. I attached the screenshot of my payments. The fee of is on the same day I submitted payment. Even before this, the company kept calling me saying they cant extend the COVID forbearance even though its required by law. Yes. I have called them to extend and they said its extended. Then they turn around and require me to fill out one of their forms in order for me to be qualified. 

i do want to state I had this problem with another account and you guys fixed it. Hopefully you guys can reversed the amount here as well and make this a smooth process. Thanks in advance. I am not sure why I had to go through CFPB to have this resolve.