23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We paid OCWEN the final balance owed to them on XXXX. The original loan was with GMAC who sold it to OCWEN. My husband and I are trying to get a loan against our house. The original loan was paid in XXXX XXXX. The second loan was paid on XXXX XXXX. We currently do n't own anything on the house. The only thing keeping the loan from being approved is ... ..OCWEN NEVER sent a lean release to the County, nor did we receive anything from them. I 've called at least 5 times, getting a different answer every time. The most recent, I was told that a copy of a letter stating that the loan had been satisfied would be emailed to me on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, XXXX XXXX Central time I have yet to receive it. The person I contacted today told me it would take 5 to 7 days to get the email. I asked why it took so long and was told that 's how long the process takes. We need to have the remodeling complete by the end of XXXX XXXX in order to sell our house because we will be moving out of state. Is there anything I can do to expedite this process of getting the lean removed?
Product: Debt collection

I have requested several times validation of this debt listed and still nothing has been received. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC XXXX XXXX lates XXXX XXXX please remove the lates DEPTEDXXXX {$90000.00} XXXX {$10000.00} XXXX  {$850.00} XXXX XXXX lates XXXX  XXXX XXXX  lates XXXX XXXX {$400.00} XXXX XXXX
Product: Mortgage

Ocwen has referred me to a company for foreclosure. That company is XXXX XXXX , XXXX of Atlanta, Georgia. I use the auto pay system that my bank provides. I have been making my payments to Ocwen however they have been sending them back. In XXXX my checking account was hacked and the mortgage payment did not go out as scheduled. However, I sent it out immediately after the Credit union issued a new checking account. I keep sending in payments and Ocwen keep returning them. Now they said they are going to foreclose. 

Also they failed to maintain my escrow account properly and did not pay the Insurance company the correct insurance. I had a house fire and found out that Ocwen failed to pay coverage to rebuild the house. They lowered my policy over {$10000.00} and my mortgage was more than the coverage and I was left without enough coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Getting a fair calculation of a credit score is beyond a major problem, It's inherent racial bias to incorrect data! Data about the current scoring model shows that more than one in five XXXX consumers and one in nine XXXX consumers have FICO scores below XXXX ; meanwhile, one out of every 19 XXXX people are in the sub- XXXX category. 
I certainly found out why that is true. I recently had loans forgiven and also paid down debt totaling nearly {$25000.00}. My score only went up one point. ONE POINT! I called TransUnion on XX/XX/2023 and questioned the score. I was told that they had nothing to do with score calculations and that it is calculated by a computer after it receives certain information. I could hardly believe I was hearing this explanation. 
I was then told I had to work at making my payments on time and my score would raise a little bit at a time each month. I was treated like my score was in the low 500s. I told her that my score was XXXX at Transunion and it's XXXX at XXXX. She was speechless. This certainly proved the scenario that I included in the beginning of this complaint had indeed some truth to it. The agent I spoke with talked to me as if I was another XXXX person with a bad credit score. 
Not only did the agent and supervisor think the 1 point score was fair, they let it sit on may report for 60 days before acknowledging it which purposely delayed the point increase. ONE POINT! In what world is this close to being fair?! 
I am asking for my REAL credit score and for someone to examine the current scoring model that they use each day because it is definitely unfair and biased.
Product: Student loan

SL finance said that I would be paying them for my student loans. I found out they are scammers. Ive been paying them and found out they are not putting my payments toward my loan. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. Phone number is XXXX. I had no idea they were a scam because they had all of my information. I was contacted by financial aid and informed that they were not a legitimate business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used XXXX XXXX to access my Equifax report. There are hard inquiries on my report that I wish to dispute with Equifax, but Equifax is not responding to my needs through the fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$620.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I was sent an alert from my financial institution my checking and savings accounts had been wiped clean. I learned it was done by a debt collection company based out of XXXX, NY with offices in state I reside New Jersey. XXXX XXXX XXXX was the company, I phoned and was told a summary judgement had been passed with regard to a collection agency XXXX XXXX for a charged off credit card account from XXXX. I know I should have been contacted to appear in court a supeona should have been sent registered mail for signature it was not. I also know according to FDCPA I have the right to request all of the information about this account payment history signed documents of transfer basically all information you would have from a transfer of ownership. They would not comply. Instead they probed my for more information they didnt have such as contact number employer information and vital details. I researched this collection agency/law office and they have hundreds of complaints of similar situations where they routinely operate outside the scope of the law yet it seems no action is taken. I formally request since I am unable to get the evidence I requested and they have seized all of my monies checking and savings for my housing and essentials. If they went through the proper channels I would have been notified how is it this office can operate legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit file I've noticed a lot of invalid information. I am intrested in disputing all incorrect information from my credit report with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I mailed out a dispute to the 3 major credit bureaus on their reporting on a few accounts that are closed.30 days later I have no response nor communication after mailing these letters out thru certified mail.The accounts involved in the dispute are reporting inaccurate payment history information and is hurting my good name and stopping me from advancing as a consumer holding me back from purchasing a new home and i believe such tactics is keeping my score below average.As you know payment history is about 35 percent of a score.The following accounts show errors made to accounts I was never late on and in fact balance was transferred to another account.There area couple violations if not corrected i will have to take actions necessary to correct.Under the FCRA negligence to do a proper investigation.Errors you will see in the attached documents are reporting a 30 day on time and go straight to a 90 day late or 30 day on time ok to 120 days late, one is reporting charge offs other account says on time.. How is that accuarate how is that correct.
Product: Mortgage

Ocwen Mortgage Servicing did a loan modification with me in XX/XX/XXXX with a clause that stated when I paid back the loan I would owe 25 % shared appreciation. It did not state that the shared appreciation would survive any future modifications. I completed another modification XX/XX/XXXX. When the paperwork arrived there was nothing in it about a shared appreciation. I specifically asked my relationship manager if the 25 % shared appreciation was still part of the new modification. She said " it is not listed in this paperwork so it is no longer in force, but if you aren't sure you can have an attorney look over this modification. '' ( Having an attorney look at the modification would not have helped as the paperwork did not mention the shared appreciation. ) When I asked regarding payoff last week I was told I need an appraisal because of the shared appreciation. When I told him what my relationship manger said, he said " you still owe it even if she gave you bad advice. '' ( They record all conversations so there will be a record of what my relationship manager told me as well as the agent I spoke to XX/XX/XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I lost my job and I am a XXXX XXXX. I got a title loan not knowing the actual terms because I was just told I was approved and to sign. Over a year and a half later.. I have paid over {$20000.00} on loan and still owe them half of that? I called the local branch and asked if they would settle because I could t afford to pay the monthly requested amount that was going just towards interest, the lady at this branch said she would request to see if she could get the car settled with a certain amount and if so she will let me know. Fast forward 4 months later I asked her again after being harassed every month if I could please settle and she then informed me that the settlement was approved back in XXXX but I was never told?? So again I asked in XXXX if they will please settle, so I called several times to ask if they would let me settle and she tells me their systems at Titlemax was being updated so she didn't know? Then here is XXXX and the day my payment is due they tell me Owe your settlement went through and you owe {$2500.00} today and then {$2500.00} next month for it to be settled? The day the payment is due she tells me this.. so I am trying to settle again with them and finally called corporate office and they never knew about a settlement because the store never reported it and I never received anything in written?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.5536y ( a ) ( 1 ) ( A ) - ( B ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations.I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts.

Please review the following accounts : Account Name : XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report.

After you have finished my request, send me a copy o
f my credit report reflecting these changes. 

XXXX XXXX
Product: Debt collection

I received several messages today from XXXX. They have called myself and every family member and threatened to take legal action against me. When I called back the statements he was making were false. I asked for his fax # and please and not contact any of my family member 's. The account he spoke about has been in active for 7 years. He quickly started calling me names and hung up on me. When I tried to call back he used more false statements and said he would call everyone I knew to tell them about me. Now he is calling my children 's phones.
Product: Debt collection

On XX/XX/2019 an auto rental company claims administrator requested I pay {$120.00} for administrative fees related to an insurance claim which was paid out by XXXX XXXX. XXXX XXXX paid out all fees except a {$120.00} administrative fee. I failed to pay this administrative fee by mistake. The invoice for this unpaid {$120.00} administrative fee is attached. 

In XXXX of 2019 ( assumed ) the claims administrator forwarded my {$120.00} debt to the JNR Adjustment Company , Inc., located at XXXX. XXXX XXXX, XXXX, FL XXXX, XXXX, for collection. The claims administrator of my original {$120.00} debt confirms this and refers me to JNR Adjustment Company at this point. 

On XX/XX/2019, JNR Adjustment Company sent me a letter ( attached ) indicating that I owe {$900.00}. 

It has been at most 1 month since JNR received this debt for collection and JNR Adjustment Company added {$770.00} in fees and interest to this debt ( {$770.00} + {$120.00} = {$900.00} ). 

On XX/XX/XXXX, I notified JNR that I hereby dispute the validity of the debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

The statue of limitations has expired on the debt in question ( it has been more than 6 years from the date of default ). Furthermore, I was not served process by personal or substitute service as required. The Plaintiff ( Discover Card ) waited too long to bring this case ( laches ).
Product: Money transfer, virtual currency, or money service

A lady sent me a message " by accident '' through XXXX. I tried to redirect her to the probable correct area code, and she thought I very nice to do that and started chatting with me. After several days of nice chatting, she mentioned that she was working with some computer installation people, and invited me to try a little XXXX XXXX on the XXXX webste. It sounded harmless enough, and she led the way by providing Screenshots with every spot to click on identified, and she made the XXXX experience fun and very profitable, by her following a sequence of trend lines and buying/selling nodes, and instructing me when to buy or sell various types of crypto. We usually traded XXXX XXXX XXXX & ETC, and we did exceptionally well. About 2 weeks in, she guided me to withdraw {$5000.00}, and that process went well. She often encouraged me to add more Principle so I could make bigger profits. I told her I was fine with the current profits at that time, and she finally convinced me to invest more in early XXXX. By the last week in XXXX, my assets were up to {$890000.00}. She said she wanted to teach me how to withdraw funds, and asked me to withdraw it all. I tried to do it, and forgot my Fund Password, and needed to change it. Because I did that, XXXX said that it triggered a possible scam or hacker alert, and that I would need to Deposit 25 % of my Assets to ensure that it was me operating the account. they stated that the 25 % Deposit would be part of my withdrawal. Because I had just inherited some funds from my late XXXX, I was able to pay another XXXX XXXX  to prove that I was me. Again I tried to make a Withdrawal, and then they asked for another 5 % of my Total assets so they could collect the Personal Income Tax on my withdrawal and forward it to the IRS. I tried to explain that Personal Income Tax is paid on Income or Capitol Gains, not on my Cost basis or additional Fees or Deposits. Unfortunately their Online Customer Service Computer was incorrectly programmed, and it repeatedly said the 5 % Personal Income Tax was based on the Total Assets. As there is NO Human interaction available to support their Online Customer Service system, paying another XXXX  was out of the question. I invested a total of XXXX XXXX XXXX XXXX Security Deposit for a total of XXXX. I am just sick over this, and have lost most of my life savings. I had transferred all of my funds using my Bank - Merrill Lynch & Co. Inc. Not once did Merrill Lynch warn me against the investment nor did they question my sudden changes in the way i withdrew and made big investments.
Product: Checking or savings account

Marcus by Goldman Sachs froze my account in XXXX, and after I spend hours on the phone while they verified my other accounts and identity, they then closed my account on the XXXX of XXXX. I was told during that phone call that they would be sending all of my money back to me. Almost a month later, I have received not a XXXX. I owe them absolutely nothing. I would like my money returned.
Product: Checking or savings account

The account belongs to my XXXX year old, XXXX XXXX bound, XXXX XXXX aunt and my XXXX year old XXXX XXXX XXXX Veteran father. I was placed on the account in case something were to happen to either of them. My XXXX year old mother and I are also durable power of attorney for my aunt. In XXXX of XXXX ( PRE-COVID-19 ), I was added to the account. My parents and I went to the bank branch and completed the transaction. I was asked to show my license and sign my name, which I did with my current drivers license and legal name. This was all done digitally. I was given no paperwork as proof of what the employee was typing into the computer. In XXXX of XXXX, I requested an ATM card for this account. When it arrived, it had my maiden name on it. I called the bank manager about this error and he told me his bank computers linked my Social Security number to that name and I would have to prove I WASN'T that person. He wanted me to produce additional private documents and bring my parents to the bank again. I told him, because of COVID, I was not comfortable bringing my elderly parents to the bank and especially did not want to give him my personal documents. I told him I would come to the bank and show him my license again. I even offered to show my military i.d . also as a second form of identification. He didn't care. He told me all parties listed on the account had to be present. I explained my concerns over COVID and pointed out that his bank had changed its banking policies due to COVID. Also, I asked how all parties could be present when one of the people listed on the account does not exist. He became irritated with me and told me he had to leave to pick up his child. He refused to fix his bank 's error. I have sent letters to this bank manager, as well as two other corporate agencies in the bank, requesting this ERROR be corrected. I have gotten no response. I have called the 1-800 customer service number for the bank and they told me they couldn't help me. I am now receiving mail in my maiden name at my parents ' home ( the address on the account ), which leads me to believe the bank has released or sold this fraudulent info. I have not had my maiden name in over 20 years and have been married twice since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collections account and debt listed on my XXXX XXXX, Experian and XXXX  credit report is a fraudulent account and debt : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$1200.00}, I been receiving phone calls of harassment, profane and abusive language from XXXX XXXX XXXX XXXX which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law. The following credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Product: Checking or savings account

My CDs were set to mature so I have been watching them in my app. One day I dont see them anymore and make a phone call to Wells Fargo XXXX They give me no information, except that Im being transferred to loss prevention. Upon speaking to loss prevention, they say my accounts will be closed on XX/XX/XXXX and they dont have a reason except its a business decision.