23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to obtain a loan and my former mortgage company, Ocwen, has late 8 payments on my credit report that is hindering me from obtaining a mortgage loan. I made all successful payments and during the time that I made the late payments I was suffering financial hardship. Please help me get rid of the late payments from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Was taken XX/XX/2020 I tried going to my personal bank about getting this company my money back saying they worked with XXXX of my loans getting reduced. 

Link used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The time of my loans were going through XXXX loans the frauds told me my money was going to that and I called my loans and they said they werent applied.
Product: Debt collection

Midland funding has been trying to collect money from me over several years. I have no knowledge of this account. I have filed disputes with all three credit bureaus. 
I spoke to Midland funding regarding this account. They said to submit a notarized statement to them stating I never conducted business with them. On XX/XX/2022 I faxed the statement to them. Its still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX ( I Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

I paid this debt down to XXXX $ and then they suddenly say I owe XXXX $ + dollars. I do not appreciate it and then just today I get a certified letter that says They will do legal actions on me by the XXXX which is crazy for the debt I do not owe at all. I think they are trying to purposely due it because I owe nothing and did not until they started this. They purposely edited it and said I owed XXXX $ + They now expect me to call telemarketers numbers that I do not trust and talk about my personal information and they call like XXXX times a day. Which is very harassment fully. I did nothing to generate the amount at all. No one but them did it. I owed nothing at all on the card and such. They make you call things that are not even related to the debt and you talk to some company who does not state their name. Just some untrustworthy call center and the first notice they put they gave me a CELL PHONE number which means it is a fake debt because I know I owe nothing in 100 % honesty.
Product: Vehicle loan or lease

I obtained an auto loan for a XXXX XXXX XXXX from Wells Fargo Dealer Services. I put {$5000.00} down. It was a five year loan, so originated in XX/XX/XXXX or so. In XX/XX/XXXX,  vehicle was towed, and I could not locate it. The towing company insisted on the title, which remained with Wells Fargo. They were unhelpful. I later learned that dishonest tow companies do this sort of thing, and apply for a salvage title. I continued to pay Wells Fargo through most of XX/XX/XXXX, but finally, defaulted, because a ) they would not assist me in proving title, and b ) there was only {$5000.00} or so left on the loan, and I thought they could retrieve their collateral. I occasionally question Items on all three credit reports. In the past, Wells Fargo sends in a proof of claim, and it stays as is. I did it again in XX/XX/XXXX.  WellsFargo Dealer Services reacted with XXXX, XXXX, and XXXX by moving the default date up to XX/XX/XXXX, changed the amount due to {$7000.00}, and do not mention my original amount due and paid. So, it looks as if I just defaulted on an entire loan. This violates the Fair Credit Reporting Act, and immediately reduced my FICO score by 40 points. I have complained to them, but do not expect any follow up action. Given their fraudulent credit cards exposed recently, I think that the culture there is rotten throughout. There is no way I can really be made whole. I am going to buy a share or two and attempt a shareholder 's derivative suit, as wells as sue in Federal Court for these violations, but know that I can not stand against this " too big to fail '' behemoth. Please assist. I am not alone here, just feel like it. I do not want money, but rather someone to stop Wells Fargo from consumer lending, and the Board of Directors answer for this rotten culture. The should be removed for fiduciary violations and corrupt practices.
Product: Debt collection

I have disputed this debt before, the company sold the debt to resurgent XXXX XXXX. The debt is not mine. They dont have any paperwork that says I signed for the debt.
Product: Credit card

company has a credit card reporting on my credit reports and i didnt authorize it to be open and i have contacted this company numerous of times about my identity being stolen but they still have n't gotten this matter resolved
Product: Checking or savings account

On XX/XX/2022 I was reviewing my monthly online statement and noticed several charges on my account were made. Reported this to CHIME and instead of doing any or investigating any of the charges I reported. They closed my account without notice. XX/XX/XXXX th account was closed. The report was made XX/XX/XXXX. Which they had no legal right to close my account as it was not misused. At the time of account closure my savings accounts had a balance of about 1k. For months I have been trying to have my funds returned to me. And now they are claiming no funds are in the account which is not at all true. The customer service reps are very rude and quite honestly read off of a script and do not implement any humanity or human compassion when dealing with customers. At this point they are withholding funds that do not belong to them which can be considered thief and also this has impacted several other businesses opportunities and affiliates.As long as they have my money they are collecting interest and profiting from my hard earned income. I have asked on several occasions for their legal departments information so that my attorney and I can move forward with this issue and hopefully resolve it between the company and myself however the company, as I said, earlier, gives very bland statements, almost robotic, and does not even give any appropriate responses during phone calls. I would like this investigated so that this does not happen to anyone else, and hopefully helps someone else not fall victim to the scam. 

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

Reporting late payments on my credit report when i have never been on a payment plan with them because i am still enrolled in school they are reporting 90 days past due and this is not right or true at all the late payment for denefits needs to be removed as well the late payments for credit acceptance needs to be removed as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I filed a dispute with Experian Credit Bureau regarding a XXXX XXXX account that was charged off at {$6400.00} but on my credit report it stated that I owed incorrect balance of {$8000.00} which violate Fair Credit Act because charged off accounts are not supposed to accrue interest or fees. After investigation of the dispute was completed, Experian chose not to remove the XXXX XXXX account from my credit report but allowed the creditor to update the balance.
Product: Debt collection

I got a call on XX/XX/XXXX about a debt with a collection agency for XXXX XXXX that I had not even received a final bill with after filing a billing dispute in XX/XX/XXXX over the amount when canceling my insurance. I told the guy witn the collection agency I hadn't even gotten a corrected bill which by law they have 60 days to send me and I have to pay The guy at the collection agency said they mailed me a final bill XX/XX/XXXX. And I said but you are calling me XX/XX/XXXX not even 30 days after a final bill was mailed that I never received. XXXX never mailed the bill. 
I said I dispute this. He said well it's accurate and if you don't pay today we will damage your credit and the whole nine yards. I told him I'm calling XXXX. What you are doing is against the law. He said it's not we can do whatever we want.
Product: Debt collection

On Tuesday, XX/XX/2020, I received a notification from XXXX XXXX that a negative entry had been put on my credit files with the various Credit Bureaus. When I logged into look at the filing, I was able to determine that Waypoint had filed the notification for the amount of {$260.00} on behalf of XXXX XXXX. To this point, I had never been called, emailed, or received a written notice of the alleged debt. I then looked up Waypoint, XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX and sent an email to them at XXXX on XX/XX/2020 @ XXXX. I provided my name, SS #, and current mailing address. I requested ( 1 ) Validation Notice. ( 2 ) removal of the negative Credit report, & stated that all monthly bills with XXXX had been paid on time through auto debit directly from XXXX. Waypoint promptly responded via email on XXXX/XXXX/2020 that they will mail out the requested documents. 

As of XXXX/XXXX/2020, I have not received any documents, validation of the debt, or further communication from them. I then sent an reply email XXXX/XXXX/2020 @ XXXX stating they have failed to provide the documentation and that they need to invalidate the alleged debt and remove the negative information from all of the credit bureaus. I also let them know I would be filing a complaint.
Product: Mortgage

I have applied for a HELOC loan through my primary bank ( TD Bank ) XX/XX/XXXX. I have lost faith in my bank where I have XXXX accounts, longevity and credit scores pushing XXXX! The communication has been non-existant and I do not know where to turn. Please help me!
Product: Debt collection

EOS CCA is harassing me and engaging in unlawful collection practices. This debt is being sold to many different companies after I have told the original debt holder almost 10 years ago that this debt was not mine. The current debt holder has falsified the records to make it appear that the debt is 6 years old when it is older. I also told this debt collector that this debt was not mine and to cease and desist all contact in writing and EOS CCA has not complied. This must stop. 

EOS CCA CORPORATE HEADQUARTERS XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Managing Directors XXXX XXXX XXXX ( CEO )
Product: Mortgage

Modification request sent XX/XX/XXXX Docs uploaded XX/XX/XXXX Follow ups until advised on XX/XX/XXXX told alternative income needs to be sourced, unable to reach anyone in department ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) finally spoke to rep XX/XX/XXXX who advised insurance payment is in wrong field. Resent borrowers affadavit with correction XX/XX/XXXX XX/XX/XXXX spoke to SPOC XXXX called weekly XX/XX/XXXX called advised modification denied, no reason in notes, XXXX rep, advised would escalated and reach out to management Advised to send in notice of appeal if no follow up call in 5-7 days from underwriter. XX/XX/XXXX filed appeal XX/XX/XXXX advised appeal request has been received bt it needs additional docs, XX/XX/XXXX sent appeal request hardship letter and docs XX/XX/XXXX spoke to rep XXXX adv 5-7 days to review appeal XX/XX/XXXX after calling weekly with no updated none of the call backs were returned, escalated file, sent email copied Loan Care upper management XX/XX/XXXX received email from XXXX XXXX advising forbearance was approved, received forbearance request, for a 12 month period in the amount of XXXX per month. ( Unemployment income was XXXX per week, daycare XXXX week, car note, car insurance, food gas, yes dint make sense, XX/XX/XXXX reached out to SPOC, spoke about negative credit impact, advised worked for a bank and needed this issue remedied in order to get comparable income to pay mortgage, stressed the longevity of this process, negatively impacted my chance to obtain a credit car increase, personal loan ect. Was advised delinquency unlocks programs to aide customers, versus customers who are not delinquent. XXXX due to negative impact further hindering permanent job opportunities/ forbearance agreement not thought out, and poses a negative customer impact, would prefer Loan Modification. Advised per pay stubs I am working, and would prefer mod. Resubmitted package, to SPOC, was advised this would be sent to underwriting and should hear something prior to first forbearance trial payment ( X/X/17 ) XX/XX/XXXX received email that processor needed me to resubmit docs, not new docs but the same docs. i thought maybe I had saved them wrong. XX/XX/XXXX advised file is with processor, not underwriter, file had not been reviewed. Finally 4 month later I am told after numerous callback request going unanswered that XX/XX/XXXX my file was assigned to underwriter 4 months later My ultimate goal is to shine light on the negative impact caused by the longevity of this process and it further hinders financial resources be accessible to person who reach out for help. Additionally, the purpose of the SPOC needs to be more functional, able, to grab a file, decision and run past management to reduce underwriters pipeline, and deescalate certain situations.
Product: Mortgage

I need pennymac to buy me my identical insurance line by line and word by world to show me the coverages, liability just like I have for XXXX and I have with XXXX. 

See the description of personal liability with XXXX for instance it covers also this type of problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to remove my Credit Freeze from Equifax. Each time I receive an error message asking me to call their customer service line. When I do, Equifax informs me they can not find a record of me, despite me having access to the MyEquifax account, being able to see my credit score on their portal, and having my freeze in place. I have been asked to send identifying information ( including my social security number ) which I have mailed and uploaded to the myEquifax website ( both about 3 months go ) and I still am unable to lift my freeze and I received no update and they are still unable to find a record of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Phoenix Financial Services is double reporting the same debt. I first looked at my report as I haven't in over a year and noticed a duplicate listing. I reached out to have the duplicate removed and instead of removing the duplicate they updated as late on both listings. After researching these listings I have discovered these are not my debt owed in the first place. I have asked that both be removed as they are not my debt. This has damaged my credit credit score twice over. Please help in the removal of the debts listed that are not mine and repair what was marked as late for over a year.
Product: Money transfer, virtual currency, or money service

-I had 10 unauthorized transfers out of my Chase Bank checking account totaling {$49000.00}. Starting on XX/XX/2019 thru XX/XX/2019. The transfers were carried out via the XXXX system. The money went to a XXXX XXXX according to the notes on my statement. I had not heard of XXXX at the time and when I go online to my account it says I need to sign up for it to use, which I have not. I have never heard of XXXX XXXX either. No one else has access to my account. 
I was never notified by Chase that I had signed up for XXXX nor of any of the transactions as they occurred. 
-I notified my Chase branch on XX/XX/XXXX or XXXX and they helped me file a complaint for investigation. Chase credited me the {$49000.00} back, but later reversed that and took the {$49000.00} out of my account. They said their investigation showed that the transfers were made by my device. They provided a IP Address ( XXXX ) which belongs the XXXX XXXX XXXX which is not my ISP Provider my IP Address is XXXX. Chase doesn't seem interested in this information and their fraud department forwards me to a call center that just tells me my claim has been denied. They won't provide me with any more information, such as where the and who the money went to. 
-I have banked with Chase for over 30 years and have borrowed amounts in the low 7 digits from them ( albeit some years ago ) in my business endeavors over the years, so I am not an unknown entity to them. 
- I filed a police report XX/XX/2019 with the XXXX Police Department XXXX XXXX when Chase denied the claim, as I originally thought it was just a mistake. 
- I run a small business with 6 employees and it is not unlikely that we will shut our doors as a result of this loss.
Product: Credit card

I called them they domt know why or how it could happen because they seen my account I'm current, good standing. No late or missed payments. So they are also confused why all XXXX of their accounts were closed. I have other cards and they didn't close my account. Only synchrony bank. I paid always all of my cards and would like them reversed since I have done NOTHING WRONG. THIS IS ILLIGAL WITHOUT PROPPER NOTICE. They have all the information om my CURRENT accounts. They disputed it so they said we will see what happens. I have called them and they still saying the same thing. Sometimes it happens?! Whattt. This should be illegal for the hardworking XXXX. I can not pay those cards if they are closed and I will not since they didn't do any good paying on time and never late anyways.
Product: Credit card

My credit card was used to purchase items from XXXX from a fraudulent email address. My XXXX email address & the email address used are totally different. XXXX has told my telephonically that they could see that the email address was fraudulent. I've disputed 3 times with Barclays Credit Card but was denied as XXXX refused to credit the charges. I requested the documentation that was sent to uphold the charges from Barclays and the documents showed that the purchases were made from a fraudulent email address that had an IP address from a different state ( XXXX, IL XXXX reside in XXXX XXXX NY XXXX from where I reside. I've called XXXX several times to attempt to have them resolve with the credit card company Barclays Bank but they haven't resolved this. I've asked for a letter to give to Barclays Bank as XXXX has acknowledged that they could see the charges were fraudulent and they stated by phone they would send but still have not sent a letter. The charges were from XX/XX/ {$130.00} & XX/XX/ {$130.00}. Interest fees associated with the charges have also been charged.
Product: Credit reporting or other personal consumer reports

I am being reported negatively to the credit bureaus by XXXX for student loans being delinquent. I have never taken out student loans and when trying to log in to find information on XXXX website I can not gain access due to my personal information not being on file. Can not log in to " personal account ''. I get a message saying my social security number and personal information are not in the system. I need this removed from my name immediately as it is a clear case of identity theft. I never received as federal student loan payment from this or any other company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX