23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ocwen provided false and or conflicting information regarding the status of an alleged loan to your office on XXXX XXXX, 2015 in response to a complaint submitted to your office. Ocwen claimed that the loan had been placed on " HOLD '' but in my complaint to your office there was evidence that Ocwen communicated to me that the foreclosure had not been initiated, perhaps because they rescinded the foreclosure because of all the defects in the original foreclosure. These XXXX statuses are completely different and Ocwen failed to respond to the delinquent letter that it mailed out. On XXXX XXXX, 2015 I received yet another delinquency notice from Ocwen making a second claim that the first step in the foreclosure process, the first legal filing, has not yet been completed, but yet Ocwen is claiming to your office that the foreclosure is on hold. Also unaddressed in my last complaint was Ocwen 's counsel 's threats to have me and my wife imprisoned for filing an FDCPA suit in Federal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : 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: Credit reporting or other personal consumer reports

i am a id theft victim. i am disputing the following accounts. please see the attached id theft reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the screenshots h
Product: Checking or savings account

In XX/XX/2021, I received a email, and a message from PAYPAL stating my account will be in limitation ( froze ) for 180 days. XX/XX/XXXX was the set date, for my account to be restored. It is now XX/XX/XXXX, and PayPal has not restored my account. I have made attempts, in the past eight months to prove my identity. I have received a letter stating they are permanently limiting my account, meaning I will not be able to transfer, deposit, withdrawal or have any use of my account. I would appreciate any further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA obtained a copy of my credit report without my permission on XX/XX/2018. I did not authorize use of my credit report.
Product: Debt collection

Caller id says gila Corp but when answered it is a message instructing me to call an XXXX nimber for " municipal services ''??? Well I have no idea who this company is and according to my credit report which is free of collection items that I do not owe, then there isbnobreasoj for me to call the number. On XXXX/XXXX/2015 this number called me three times. They call once a day but they called three times at XXXX, XXXX, and XXXX
Product: Student loan

Placed forbearance request online on Edfinancial website. No confirmation email, no response. Sent two follow up emails asking whats going on, it's been over a month with no reply.

Edfinancial is engaging in shady business practices.
Product: Prepaid card

I recently found 5 or 6 invoices paid by my PayPal account for identity and computer protection programs but they were paid for 5 or 6 times with my PayPal account converting the payment from Bitcoin which was {$500.00} plus a {$200.00} fee. This was going on for at least one month. I called PayPal and now they said that I don't have an account. When I have had one for the longest time but the invoices were paid in full and that was at the end of XXXX and the beginning of XXXX
Product: Mortgage

This mortgage company is sending me notices that they are about to foreclose on my house. They are telling me that I am behind XXXX payments. This is totally untrue. Please see Exhibits 1-4 I can not not make heads or tales of their mortgage statement In one place there is a deferred balance of {$10000.00} I do not know why that is the case. 
That's almost XXXX months of payment. I paid XXXX months of reduced payments of XXXX for XXXX months. That does not add up to XXXX, XXXX XXXX part says the last payment they received was in XX/XX/2022 ( transaction activity ) Recent account history says I've paid through XX/XX/2022 Then Transaction history on the back is showing payments that is far too confusing I have paid them the full amount except for the 4 months that I was on a trial period and paid {$2100.00} They have me in loss mitigation and I do not know how to get out. I do not owe them the amount they say I owe and their Third party XXXX XXXX is the worse. I can not get them to give me an accounting for XXXX when they took over the mortgage. This has been a nightmare since First Horizon and XXXX took over. This should be a class action lawsuit since I know I can not be the only XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts.

Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. " Under 11 U.S. Code 362, all collection and ****reporting of debts**** must cease immediately upon filing for bankruptcy. '' ( Emphasis added ) Despite our previous attempts to resolve this issue directly with Affirm, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX Date of Birth XXXX : XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX  XXXX  XXXX  XXXX XXXX  who qualified to have student loans forgiven. My Student loans were forgiven XXXX XXXX by XXXX the account was removed from my XXXX  account but has yet to be removed from my Equifax and XXXX reports. No one is ever available to help with this matter when calling XXXX. I am in the process of buying a home and this does not reflect well on my behalf. XXXX currently has class action law suits against them for wrongful practice. I would just like some help in forcing them to do right by the people who trusted in them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Please delete this account from my credit report. 

1. Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX  XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX # XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # 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 Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I had XXXX cash app accounts my unemployment came thru and other funds onto these accounts, I went to jail on XX/XX/XXXXXXXX XXXX XXXXXXXX my unemployment and funds ended up approved and deposited after this date. I did not get released from jail until XX/XX/XXXXXXXX XXXX XXXXXXXX. When I was finally able to get into these XXXX cash app accounts all my funds were used or transferred out. I have contacted cash app via chat in the app and by telephone countless times and have filed countless disputes over and over again after each denial and have provided attachments with proof showing I was incarcerated when the funds were transferred out or transactions made and they will still deny replacing my money back to my cash app accounts and will simply reply they can not give me anymore information at the time. They also tried to say I didn't verify identity. I also provided attachments proving I uploaded identity documents thru a link XXXX of the reps from cash app sent me via cash app messenger and they simply will just keep saying the same thing and ignoring the fact that I have verified identity and won't give my money back or any answers. I absolutely need my money back and need help getting it I will provide the amounts and dates. I even was letting the little transactions go and just was asking for the larger amounts and no help no money back this has ruined my life and stability even more and cash app does not care and thinks no one can do anything about it to them. One of the emails linked to one cash app is XXXX cash tag is XXXX XXXXXXXX the amounts I need back are {$64.00} for XXXX XXXX dated XX/XX/XXXX withdrawal to XXXX for 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 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 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 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 XXXXXX/XX/XXXX that's it for now I'll include the other XXXX XXXX XXXX different complaint I will file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Collection Account Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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  **** Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} 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: Credit card or prepaid card

I bought a XXXX  hoodie on XX/XX/XXXX, and realized that it was not the color Id like 20 minutes after the purchase order was placed, so I sent in the cancellation email to XXXX  customer service to cancel the order on XX/XX/XXXX or early am on XX/XX/XXXX. I called XXXX  the next day on XX/XX/XXXX and no one answers the customer service hotline. On XX/XX/XXXX XXXX  provided a tracking #. XXXX customers service responded on XXXX stating that they can no longer change the order and stated that I could return the item and point me to their website. Then I went to the website and it says the order cant be found, so no return label could be printed. Upon receiving the unwanted order, I declined the package on XX/XX/XXXX. 

I provided the cancellation email and XXXX  refund policy to capital one, and still couldnt get the money back. Their dispute department isnt working very efficiently compared to a few years back. This case is simple and obvious. I even got a return confirmation from XXXX. Not so sure how could capital one not refund my money on such an obvious case.
Product: Bank account or service

The Huntington National Bank willfully deposited several Social Security & other checks on which I, XXXX XXXX, was the payee and had not signed in to a checking account ending in # XXXX on or about XXXX, 2012 and continuing beginning with {$31000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXXXXXX  requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$7300.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ( previously late open ) XXXX XXXX XXXX Balance Owed : {$0.00} ( previously late open ) XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Unpaid Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$120.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.
Product: Debt collection

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN XXXX XXXX IN MY NAME. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed these items with LexisNexis [ Bankruptcy Case # XXXX, XXXX, & XXXX ] and in response you verified the items are accurate, stating that you have verified the information with the U.S. Bankruptcy Court via PACER.

I contacted the courts directly, and their response is enclosed. It is clear they DO NOT report to you or to any credit bureau for that matter ; therefore, your original response verifying the items with the court was either an error or a lie. Either way, the reporting requirements DO NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and the items in dispute on my credit report must be deleted immediately. ( Reference page # 7 & 8 ) In contradiction, you ( LexisNexis ) stated .... reported to LexisNexis by the nationwide consumer reporting agencies. ( Reference page # 3 ) On the other hand, I have numerous credit reports stating from the nationwide consumer reporting agencies that all public information was obtained through a third-party vendor, LexisNexis. ( Reference page # 5 ) Moreover, my name, address, and full social security number should NOT have been shared with any third party due to the security freeze I have and had on my credit files with a PIN from each credit bureau and your company LexisNexis.

Enclosed are copies of ( highlighted ) documents supporting my position.
Product: Credit card

Originally purchases were given an XXXX with 0 % interest. With all forgiven interest to be charged if not paid off by the end of the XXXX period. 
I was not adequately informed that the next purchase was only XXXX months with 0 % interest. 
There is no warning of pending promotional ending on the payment page or in the information about promotions on the make payment page. It is only available in the statement. There is no way to make payments directly to the balances on specific promotions. 
Both promotions ended at the same time and the monthly payments were split automatically. The XXXX balance would have been paid off if the split could be allocated. Or proper warnings appeared on the make payment page or I was properly informed promotional differences.
Product: Checking or savings account

I opened a new account with Capital One and received a XXXX transfer totaling {$1400.00}. Shortly after, Capital One unexpectedly blocked my account. When I reached out to customer service for clarification, I was informed that I needed to provide the phone numbers, addresses, and contact information of the sender. I explained that this information is personal to the sender, and I am unable to share it. However, I offered to verify my information and provide any details needed on my end to confirm the legitimacy of the transaction. 

Despite this, Capital One blocked my account and stated it was under review. After some time, I called to request the account be closed. They confirmed the closure and assured me that the funds would be issued to me via check, but they could not specify a timeline. It has now been a considerable amount of time, and I have yet to receive the funds. Additionally, my attempts to reach out for updates have gone unanswered. 

I am seeking assistance in resolving this matter and receiving my funds as promised. Thank you for your attention to this issue.
Product: Debt collection

Despite my three requests to delete the speedy cash account that ad astra is trying to collect on that I do not own, Ad astra still remain to report the UNVERIFIED account. The account remain on my credit report in violation of federal law. In the results of AD ASTRA re-investigation AD ASTRA stated in writing that the items on the account is being reported correctly and that they verified the account sold to them by speedy cash that I do not own. I have never had a Contract with speedy cash or AD ASTRA and I still DO NOT have an account nor CONTRACT with the companies. They still have not identified who in their company verified the accuracy of the account or how they verified them. XXXX 's Law Dictionary, 6th edition 1990, defines " verification '' as confirmation of correctness, truth or authenticity, by affidavit, oath or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in arerments or statements of persury. AD ASTRA failure to provide me with verifiable proof required for they company to post the account is evidence that it does not exist and therefore is proof that AD ASTRA can not properly verify the accuracy of the disputed account. Under section 611 ( 5 ) ( A ) of the FCRA, AD ASTRA are required to promptly " DELETE all information which can not be verified. DUE TO AD ASTRA willful disregard of the law I intend to pursue litigation in accordance with the fcra to seek relief and recover all monetary damages that i may be entitled to under section 616 & 617 if the unverified account are not deleted within 10 days. AD ASTRA is violating the law by not deleting the account after several requests for the account to be deleted if it wasnt verified. I am well aware that a bill is not verification of a debt. I also stated to AD ASTRA that I wanted to see a contract or something with my signature on it which they did not and can not provide because the account is not mine. AD ASTRA has it bad about not responding to a request and just putting verified as the dispute resoultion without correctly handling the situation. The law is very clear as to the civil liability and the remedy available to me.