23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX your agency completed an investigation and entered into a Consent Judgment with Ocwen Financial Corporation and Ocwen Loan Servicing , LLC for unlawful conduct related to loan servicing and foreclosure processing.The purpose of this communication is to alert you to the fact that Ocwen has, to the best of my knowledge and belief, violated that agreement pertaining to one of the most significant restrictions in that agreement, i.e. : submitting forged documents in a judicial foreclosure proceeding. 

The history of our case is lengthy and not necessary to detail at this time other than there have been three attempts to foreclose on our home since XXXX and all have failed due to submission or public recording of a plethora of fraudulent and/or forged documents. 

The most recent attempt to foreclose was filed on XXXX XXXX, XXXX which contained exhibits and documents supplied by Ocwen as the loan servicer. Among the exhibits was an XXXX to the Note which had not previously appeared in the preceding foreclosure filed in XXXX nor did it surface in a Chapter XXXX bankruptcy filed previous to the XXXX foreclosure action. 

Despite Ocwen 's assurance to your agency ( as well as all of the Attorneys General listed in the Consent Judgment ) that they would refrain from using fraudulent or forged documents in foreclosure proceedings, Ocwen included this ( undated ) Allonge to the Note in this third foreclosure filing even though there should have been historical records available to them to verify the validity of the initials of XXXX XXXX Option One, on this very important document. My own diligent research uncovered what I believed to be XXXX XXXX actual initials and handwriting derived from her very own mortgage documents. I hired a handwriting expert to compare the initials on the XXXX to actual mortgage documents of XXXX XXXX and the conclusion was that it was not the same individual. Once I supplied this information to my attorney and he in turn supplied it to counsel for the Plaintiff ( XXXX XXXX ) just prior to trial, Plaintiff mysteriously and suddenly withdrew their complaint and counsel for Plaintiff also quickly withdrew their representation of Plaintiff. 

In addition to recording a forged/fraudulent document in a court proceeding, Ocwen continues to harass us by mail in attempt to collect a debt that was categorized in default at the time they ( or their predecessors ) obtained the account.
Product: Credit reporting or other personal consumer reports

My issue is that XXXX must report accurate information to my credit report consistent with the Fair Credit Reporting Act. There are three ( 3 ) inquiries on my report that are fraudulent : a ) XXXX XXXX XXXX b ) XXXX, and c ) XXXX XXXX XXXX XXXXXXXX continues reporting these inquiries to my credit file which has negatively affected my credit reports, even after my repeated requests to XXXX to remove them. XXXX should not be reporting these inquiries as I did not apply for credit with these companies nor do I have any knowledge of those companies.
Product: Student loan

My first contact to Nelnet to request my full payment history was back around XX/XX/XXXX. 

They did send an encrypted message that did not even show the full payment history and i couldnt view the file. I called Nelnet customer service and requested that the history be mailed to my address. 

This has not been completed. I have since emailed the request for the payment history multiple times and each time I get the run around. This last time on XX/XX/XXXX has not even been responded to.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, necessitates the removal of any incorrect accounts from my credit report. Could you please review the paperwork? There are inaccuracies in some of the listed accounts, and it's unsettling for me.
Product: Vehicle loan or lease

I applied for a loan on XXXX XXXX, I got several emails from the company and calls I bent over backward getting them my personal information XXXX each time I spoke to someone over and over again and they verified phone numbers for my employment. I gave them all the correct information and private information. I spoke to someone on XXXX XXXX at XXXX they once again asked for my employers phone number. I spoke to them and stated that we are in different time zones and also made them aware that we work XXXX. an hour later I got a denial letter stating they could not verify my employment. I called to speak to someone and ask as to why when I gave them all the correct information and they stated that they had never called my employer to verify. That my employment phone number was not a number they could check. and could not explain to me why. Every time I spoke to them I yet again had to verify my self and give my social and birthdate and once again all my private info and no one could explain to me why I was being denied. 
this company is bogus they should have recorded conversations as to me calling them each and every time. Harassing me through email and the phone on additional info needed and still not approving me for my work number and not once did they call my company to verify my work.
Product: Student loan

I consolidated my federal student loans in XXXX of 2023 to utilize the IDR adjustment per the Department of Education. My loan is serviced by Mohela due to PSLF ( Public Student Loan Forgiveness ). I am a social worker. I have XXXX counts toward PSLF preconsolidation. I have been making payments on my account. Mohela has my account 's {$0.00} balance. I have been transferred to Edfinacial although I am in the PSLF program ( certified ). I do not know my current PSLF count as the IDR post-consolidation has not been applied. However, now my loans have been transferred to XXXX when they are supposed to be with Mohela. I am extremely frustrated it is XXXX XXXX I have a mother on hospice I have done everything right and my account is continuously messed up. It is very upsetting, and draining and I can not keep spending hours tracking mistakes made by loan servicers. I would like my accurate information from Mohela and my loan information updated and away from XXXX as they do not service PSLF. I understand this is an overwhelming process for Mohela but I am not able to keep up with the mistakes. XXXX should not have any of my loans. I believe XXXX also placed me incorrectly with Financial.
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 XXXX XXXX which falls under trafficking according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the TransUnion Credit Bureau company . 

Account 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: Mortgage

Morgage on my property XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX Began in XXXX, The XXXX XXXX sold to Western Alliance. 
Loan number XXXX XXXX I have called repeatedly, and have spent an enormous amount of my time to bring this to Western Alliances attention, after they had essentially drained my bank account. I finally did talk to someone on XX/XX/XXXX at XXXX who agreed with me, that I was paid through XXXX, and my next payment would be XXXX of XXXX. 
I am still recieving notifications that I am behind in my payments. 
My concern is not only how the heck did this happen, but to get them to stop contacting me. I am concerned about my credit also. 

The XXXX XXXX took 2 payments in XXXX, the XXXX was {$2200.00} and the XXXX was {$2200.00} ( XXXX Payment ) Western Alliance then took took an additional payment on XX/XX/XXXX of {$2200.00}, and another on XX/XX/XXXX of {$2200.00} On XX/XX/XXXX Western Alliance took another payment, {$2200.00}, then returned {$2200.00} on XX/XX/XXXX In XXXX, Western Alliance took two payments on XX/XX/XXXX of {$4500.00}. They then took another payment on XX/XX/XXXX of XXXX. They also took payments on XX/XX/XXXX of {$2200.00}, via XXXX, and again {$2200.00} on XX/XX/XXXX. 
Let me point out this is 5 payments in one month. 
On XX/XX/XXXX, XXXX deposited the XX/XX/XXXX payment of {$2200.00} into my account. 
In XXXX there was a deposit of {$2200.00} on the XXXX, followed by a withdrawal of {$2200.00} on the XXXX from Western Alliance. 
On XX/XX/XXXX, there were two withdrawals from XXXX, {$2200.00} and {$2200.00}.
Product: Credit card or prepaid card

I received a "  XXXX  Credit Card '' issued by TD Bank. I never applied for this card!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have not been treat at XXXX XXXX XXXX. I Categorical deny owing this or being seen at this hospital. my car was stolen and had a few fraudulent transactions all have been resolved with the acceptation of this medical bill and apartment. I have lived at my current resident for 19 years,
Product: Credit card or prepaid card

In XXXX 2017, I requested a balance transfer from my XXXX XXXX XXXX to my XXXX XXXX Credit Card ( issued by Comenity Bank ). This was to take advantage of a 0 % interest offer. The XXXX XXXX Credit Card shows the XXXX balance transfer completed. The XXXX XXXX XXXX was never paid, however. I now owe the same XXXX to both companies. I have called both companies - XXXX XXXX says they never received anything from XXXX XXXX. The XXXX XXXX card people said they would look into it, initially they credited it back on the card, then they said they ca n't credit it back because it has already been paid to the other credit card company - but that is not true.
Product: Checking or savings account

I am having an issue opening up a checking and savings account with Truist Financial. Truist Financial is refusing to open up any accounts for me due to a previous bankruptcy on my XXXX XXXX, XXXX, and XXXX credit report. Truist Financial is discriminating against me based on a previous bankruptcy, based on my race, and income. Truist Financial is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Debt collection

The debt is on my credit report and I have disputed this debt several time. I never lived at the apartment complex. I sent in information where I lived during that time; such as driver 's license and water bill. The credit bureau told me that was not the proof I needed. They said that I need some type of documentation from management. The people that owned the complex does not own it anymore. So, I called the debt collection agency and I explained to them that I did not owe that debt because I never lived there. I told the lady that was on the phone that it was identity theft and i am not going to pay that bill. She was very rude and did not want to hear anything that I had to say. So, I called a second time and I was transferred back to the lady and I asked her for documents to see what she has that I owe the debt. She said that she could not give that to me. She told me to call the police and refuse to talk with me any further. So, I wrote a letter with the consumer protection information on it telling her I would like a copy of the documentation, least agreement and any other information so I can see if I owe this debt. I also asked for their company information. The letter was sent certified on XX/XX/XXXX. They received it on XXXX XXXX. I have a copy of the letter.
Product: Credit reporting or other personal consumer reports

Somebody fraudulent used my information to take out a loan with multiple companies without my consent. Its also multiple fraudulent inquiries on my credit report that I did not authorize. 

XXXX Last reported XX/XX/XXXX {$2900.00} Reported balance Highest balance {$3900.00} XXXX Last reported XX/XX/XXXX {$370.00} Reported balance Highest balance {$670.00} XXXX  Last reported XX/XX/XXXX {$140.00} Reported balance Highest balance {$270.00} XXXX XXXX Balance XXXX $ US XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : EXTRA Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : XXXX5 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 card or prepaid card

FirstData ( merchant processor for   XXXX   XXXX   ) allowed a customer to order my product and have it shipped to the billing address on record and keep my product and do a chargeback thus also taking my hard-earned money! I was told to supply a tracking #  XXXX -US USPS Overnight. Which I did. Now, I 'm told that I did n't provide tracking information and that I should fly out from California to Ohio if I wish to take this up with the customer directly. FirstData is saying that my proof of compliance with   XXXX   requested information is insufficient.
Desired Outcome : I want {$410.00} placed back into my account asap.
Thanks,   XXXX   XXXX  , Owner   XXXX   XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX, XXXX. I remitted money to XXXX through sigue corp on XX/XX/year>. The order number is : XXXX, the amount is {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. XXXX XXXX also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Product: Student loan

Navient bought my federal loans from XXXX XXXX XX/XX/XXXX. Immediately i began having issues with them. My loan came out of a forbearence in XX/XX/XXXX and i filed the necessary forms to get an IBR ( income based repayment ) since i am unemployed. I mailed the IBR forms via usps with return receipt to indicate that they in fact received my forms. Two months later i received a notice that i needed to pay monthly on my loans. Nothing about getting an IBR. I called Navient right away and asked about my IBR. They stated they never received paperwork. I mailed it AGAIN. They stated they never received it. I talked to a supervisor and got a fax number and faxed the SAME paperwork via fax to the number the supervisor gave me. I followed it up with a phone call. They stated they never received it. I faxed the papers 6 more times and finally they received my forms. However, a week later, i call to check the status and they tell me the forms i used were too old. I told them they were the forms i printed out from Navient website so how can they be too old? The rep stated that now id need to cross out the date on the paperwork and date the forms within the last 6 months. So i fax it ALL AGAIN and they tell me they 've received it and my IBR will take 20 days to to process. The very next day i began receiving calls from a XXXX number which is Navient. They call my phone 6-8 times a day. I finally spoke to the rep and she tells me they want to help me with my student loans since they are out of deferment and my payments are now behind. I told the rep that i had just sent all forms and that i was told that my IBR was processing. The customer service rep says she has NO RECORD of any phone calls, any forms being received, nothing from me about the IBR. I asked the rep if they take notes and put the information in my account so that everyone at Navient is on the same page. She stated that they dont do that. So basically, ive wasted the last 6 months sending forms, calling, yelling, fighting with this company for nothing. They keep no record of anything and even if you speak to a supervisor, they still dont know whats going on with your account. 
They are not following the law, they are suppose to help borrowers who need help with repayments and offer them IBR/Forebearence where applicable. This is why Navient is being sued.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX/ {$0.00} / XX/XX/2021
Product: Credit reporting or other personal consumer reports

I've been monitoring my credit for a few years and I've been doing my best to get my credit score to a respectable level, I paid off any and all collections and have paid all my bills early. Well back in XXXX, at the advice of Experian, and me being naive, I responded to their email to apply for a credit card. Guaranteed match it said. Denied ... .. And it didn't drop my credit yet. But I had it up to the near XXXX range and I was proud. A month later I still needed a credit card and Experian sent another email, saying I was guaranteed approval again, and since my credit went up by XXXX or so points in the span of a month I applied again, thinking for sure id get it GUARANTEED APPROVAL EXPERIAN SAID. Well I got denied again and my credit dropped XXXX points. I called to talk to someone about this and they are rude and don't care, why would they? If I had perfect credit, I wouldn't need them. Correct? So they constantly mislead me and it's cost me loan opportunities and more. They need to compensate me for swaying my decisions because if they would have not emailed me, I wouldn't have applied, and if they didn't say GUARANTEED I wouldn't have applied. It's not right
Product: Credit reporting or other personal consumer reports

To whom it concern, I am writing to formally dispute these fraudulent accounts that are reparation to my credit reports. These accounts are not mine and have been opened without my consent. The accounts include XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please delete the above named accounts from the XXXX, Experian, and XXXX. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion in regards to a bankruptcy reporting on my public records file because TransUnion has all inaccurate information labeling this case as a paid discharged XXXX XXXX and this case was in fact dismissed and closed and never discharged nor was it paid but when you look it up on TransUnion they have this case labeled as XXXX discharged. 
Case # XXXX FILED XX/XX/XXXX Terminated : XX/XX/XXXX Debtor Disposition : DISCHARGE DENIED FLAGS : Repeat CASE CLOSED TRANSUNION HAS IT LISTED AS FILED XX/XX/XXXX Date paid : XX/XX/XXXX Type : XXXX XXXX BANKRUPTCY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  Dismissed  Date Filed/Reported XX/XX/XXXXReference # XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Dismissed  Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been using E-OSCAR to continuously to verify these inaccurate entries on my credit report for 3 years! You or the collection agencies showed no proof verifying these dates belong to me. Please follow The Fair Credit Reporting Act Sections 609 and 609 stating that you must validate a debt by forwarding the original contract bearing my signature, DOB, SSN etc. Why is it taking three years if your obeying the regulations? Because you don ; t have the information needed to keep these inaccuracies on my credit report! 

I've played this game for three years! Obey the regulations. If Transunion acts in good faith and adhere 's to The Fair Credit Reporting Act, these inaccuracies would've been removed in 2017 when they were first disputed. 

You're also acting in bad faith by not telling the consumer once an account is disputed online the consumer 's rights are waived, and are automatically stick with a debt that doesn't belong to them! 

Since you can't furnish the original contract bearing my signature, DOB, SSN, act in good faith and remove these negative items from my credit report!

Please forward the original contract bearing my signature, DOB, SSN, etc validating the debt belongs to me through this portal. I want the CFPB to see that XXXX  is acting in bad faith. How are these debts being validated? Anything you send to me, please send through your response to my complaint.