23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX I was approved for a modification to start payments by ocwen/PHH. They contacted me and told me it was an error. They would not allow the payment. 

I contacted the Hardest hit fund and was told I qualified for a {$50000.00} principle reduction. The counselor said she needed to speak to their contact at ocwen first to assure they would accept the terms. She needed to do this because the program was ending and she did not want to do all of the work if they were not going to accept the money. She contacted me a couple of weeks later and said Ocwen advised her they would accept the payment. After all the work was completed and she submitted the paper work to ocwen they refused to accept the {$50000.00} payment. The program has since ended but I have my documentation. 

This caused me to go into XXXX XXXX XX/XX/XXXX to save my home. During the pandemic I lost my Job and Business. 

Therefore, I could not make the payments and loss my bankruptcy in XXXX of XXXX. I approached Ocwen/PHH for a Modification they denied saying no more modifications. But modifications were not truley approved. Only as a documentation for the record but never completed. 

Also during bankruptcy according to the trustee I paid {$30000.00} on my mortgage balance. It does not appear as all was posted. 

















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

This is a reponse to the letter that was written to me... 

So you guys listen to the phone call and didn't hear of any wrong doing or treating me with my credit report? 

So are your reporting accurate now? 

How many refi have I had with you? 

How many account have I had opened up with XXXX? 

It's way to late to start hiding the hand after you threw the rock... 

Well I want all question answered. And im gon na help you with the phone call... Maybe you missed it... I have it for you ... enclosed is a transcripted of phone call.
Product: Debt collection

I sent Americollect several letters including an XXXX XXXX XXXX dated XX/XX/year> and a letter dated XX/XX/year>. Americollect has failed to respond to the affidavit. This third-party collection agency had no permission to furnish the three credit bureaus any information about a debt there was no consent orally or in writing permitting them to apply this information to my credit report. This company did not send me the original promissory note/agreement. I was not given a Signed agreement that the debtor made with the debt collector about XXXX XXXX paying the debt collector. I also did not receive a signed affidavit from Americollect disputing my allegations against them. This company has harassed me and is trying to defraud me of my money. I asked Americollect to complete a w-9 form so I can send in that document to the IRS for this company to pay taxes on any funds I have to pay to this company. This company acting under the color of law. I have attached my copyright form to let you know my rights will not be violated by any company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccuracies on my credit report and I have contacted each credit bureau to report this information. I was informed that the information would be updated within 48-72 hours. There has been nothing updated and I am not sure what is going on. This has to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've submitted disputes with the  XXXX  national credit reporting agencies (  XXXX ,  Equifax  and   XXXX    ) concerning (  XXXX  )  XXXX   XXXX   XXXX  and to no avail. Each time a dispute is submitted with the  XXXX  bureau  ( s ), I 'm notified by my own ( not the credit bureau ( s ) credit monitoring alerts, a general " Meet FCRA   requirements '' note without details to the reasoning of their conclusion with the investigations.  XXXX  has made attempts to request that this item be deleted as well, please see the attached document dated   XXXX   XXXX   , 2017.  The credit bureaus are making it extremely difficult by refusing to delete and not giving me a valid reason as to why. This has hurt my credit report and credit score tremendously by making appear more at risk to lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

From the company 's CFPB response I have concluded that they are still presenting false information about my complaint and as a side note this company is openly violating The HIPPA Law. Under the FCRA, unverifiable accounts must be removed within 30 days and if you are unable to provide me a copy of verifiable proof ( i.e proof of the alleged items, specifically the contract, note or other instrument bearing my signature ), you must remove the fraudulent account. I never signed a contract, note, or other instrument bearing my signature. The company can't provide this information because it doesn't exist. Their failure to positively verify these accounts that I disputed on XX/XX/XXXX ( which has been beyond 45 days ago ), has hurt my ability to obtain credit and I desire it to be deleted from my credit report.
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.

15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : 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 ) ( 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: Debt collection

I have been receiving countless phone calls from Portfolio Recovery about a debt collection for years. They call from different numbers every time, from all over the country. The most recent have been showing up on my caller ID as being from XXXX, XXXX, and XXXX. I have reached out to them multiple times by mail to attempt to verify the debt but they have never responded. The Collections account on my credit report is showing the original creditor as XXXX XXXX, but there is no delinquent account with XXXX XXXX on any of my credit reports to verify this account. I have never received any written communication in the mail from them to submit as a part of this complaint, they have only ever contacted me by phone, and they have never addressed my request for debt validation. When they call they tell me they are attempted to collect a debt and are asking for payment. I attempted to dispute this account with credit bureaus only for it to show " Dispute resolved ; customer disagrees '' and " Consumer disputes after resolution. '' I don't have any documentation from the original account they are alleging that I owe for. In addition to the countless phone calls, I get calls late at night ( past XXXX ), on weekends, even on Sundays.
Product: Money transfers

Pay pall refunded money to the person even after I reported, that it was nothing wrong with an item. When I protested it, they told me that the buyer will return the product. The buyer returned empty box, now I do not have the product and the money.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding a violation of the Privacy Act by your organization. I recently obtained a copy of my credit report from your bureau and discovered that my personal information had been shared without my consent, which is a direct violation of my rights under the Privacy Act. 

Specifically, I found the following instances where my privacy had been compromised : 1. The amount of unauthorized Hard inquiries are in direct violation. Dates arranges from XX/XX/2022 until present. Names that are not my actual name is on the report and as well as addresses that are unmailable that I'm not associated with. I have reached out to each of the credit agencies about this matter and I've been ignored on multiple occasions I would like to emphasize that the Privacy Act is in place to protect individuals ' personal information and ensure its confidentiality. As a consumer, I have the right to expect that my personal data is handled with utmost care and only shared with authorized entities under appropriate circumstances. 

The unauthorized sharing of my personal information has raised significant concerns regarding the security and integrity of my credit report. It is imperative that your bureau takes immediate action to rectify this situation and prevent any further unauthorized disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 NEGATIVE ACCOUNTS : XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

I received a call from a company called UCB Collection and they were trying to intimidate me and I do not know who they are. I told the rep to place a cease and desist for all calls and only communicate in writing only. I do not have any business with them at all.
Product: Checking or savings account

My account was under review the XX/XX/XXXX for quite some time. I had no access to anything. My wife was stuck without any money for a long period of time. I am currently training on my way to XXXX. So this caused a huge problem. The open my account. So i could have full access then later I did not. They opened then it would close again. Then on XX/XX/XXXX I was told that my accounts will be closed. I received no reasoning why or warning.I have not done anything but be patient with my bank. This has come at the worst time ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Application Status To check the status of your pending application, please enter your Application ID and your Zip Code and then select Continue. 

*Required Field *Application ID : XXXX *Zip Code : XXXX Cardmember : XXXX XXXX XXXX Application Id : XXXX Add XXXX to your address book to ensure delivery. 

Your XXXX Credit Card Application Status Your XXXX Credit Card Application Dear XXXX XXXX XXXX : Thank you for applying for a XXXX credit card. Your application for the XXXX XXXX was received on XX/XX/2017. 

We are currently processing your application and will be in touch within 1 week. We look forward to the opportunity to serve you. 

To check your application status, please click here. 
XXXX XXXX XXXX   XXXX & XXXX We look forward to having the opportunity to serve you. 
so i put in my information ... and this is the message ... XXXX We are unable to complete your request at this time. Please call XXXX for further assistance. so i have great credit just follow my asset # XXXX because when you take out a loan you have to show THE FEDERAL RESERVE YOUR CREDIT SCORE AND I HAVE THE NEW CREDIT ALLOWED BY MY FATHER XXXX TAKE IT UP WITH HIM HERE IS HIS NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my credit report. 

A Bankruptcy came back verified stating the source as XXXX XXXX. 

I received a report from XXXX XXXX and there is not Bankruptcy listed by XXXX XXXX. 

I see that this is an obvious violation of my rights and demand the bankruptcy be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed some mistakes in my credit report. On XX/XX/2021 I mailed dispute letters to all three credit bureaus ( Experian, XXXX, and XXXX ) asking them to investigate and verify two negative collections accounts ( XXXX and XXXX XXXX  ). Two weeks later, on XX/XX/2021 I mailed a second letter in because I noticed some unauthorized inquiries on my account also. Not only did they not respond within the 30 day period for the disputes I sent on XX/XX/2021 when I finally received results from the credit bureaus on XX/XX/2021 the accounts came back as verified after I included all the inaccuracies the collection companies were reporting between the three bureaus. I was not satisfied with their investigation, so I contacted the collections agencies asking them to validate that the debt belongs to me. Neither the credit bureaus nor the collection agencies provided me with verifiable proof and signatures to show that the accounts belong to me. They have ignored my disputes and failed to provide me with the proper paperwork to show ownership. These derogatory accounts have caused me tremendous hardship in accessing credit, loans, and employment opportunities in a time when it's already hard enough with what's going on.
Product: Debt collection

Company has violated HIPPA by sending medical statements that dont belong to me.
Product: Debt collection

LVNV Funding LLC, Has falsely submitted information to Resurgent capital services stating that, I owe them {$1000.00}. Which is not true, I received a letter from Resurgent capital services, Dated XX/XX/2019, concerning the above issue. I do not owe this debt and the information is false that LVNV Funding has submitted.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters requesting my information be updated to XXXX XXXX, and Transunion. They did not respond. On XX/XX/2021 I sent another letter to follow up. They have still not responded, nor has my information been updated. My requests are being ignored and I am XXXX to ensure that reporting is accurate as I remove fraud from my reports. In fact, more false address information has been added.
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. 
XXXX : account # XXXX, XXXX/XXXX  : account # XXXX, XXXX  XXXX : account # XXXX, XXXX : account # XXXX, XXXX : account # XXXX, XXXX : account # XXXX, DEPTEDXXXX : account # XXXX, DEPTEDXXXX : account # XXXX, XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX XXXX XXXX : account XXXX XXXX, XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX  : account # XXXX, XXXX : account # XXXX, XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX/XXXX  : account # XXXX, XXXX/XXXX  : account # XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) : account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : account # XXXX, XXXX : account # XXXX has violated my rights. 

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

In my previous complaint XXXX. Equifax stated they reviewed my complaint and its records regarding my dispute. They responded the disputed inquiries XXXX XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX are currently not reporting on my Equifax credit file. Written confirmation was to been mailed to me. XXXX XXXX XXXX, XXXX I checked my credit report and the inquiries are still reporting. I called Equifax and was told they would n't be removing the inquiries. I was also blocked from accessing my report online through their website/
Product: Debt collection

On XXXX XXXX XXXX received an e-mail from XXXX XXXX XXXX from Nationstar Mortgage stating they needed an updated award letter for my XXXX payments so they could complete my request for a modification.. I sent the document back by e-mail on the XXXX of XXXX. 
On the XXXX XXXX at XXXX I received a call from Nationstar stating that request for modification had been denied on the XXXX and that my house was in active forclosure but a sale date had not been set yet. I could avoid it by sending them {$62000.00}. 

Today at XXXXI received another call stating the same thing except the caller wanted {$54000.00}. This caller told me she was calling from the XXXX 's, no wonder we can never get ahold of our dedicated loan specialist. 

Since I was still engaged in my request for a modification on the XXXX of XXXX, How could they have gone through all the legal requirements in two days to have my house in active forclosure status, and be scheduling a sale? 
I believe that this an abusive tactic from Nationstar in violation The New Jersey Fair Debt Collection Act bill # S410 and the federal Fair Debt Collection Practices Act Pub L.95-109. 

I believe that this is an ongoing practice of this company and since they record all their phone calls they should be able to supply you with a transcript of these calls. 

This company should be investigated into their business practices and be made to be held accountable. 

I am in the process of contacting an attorney to initiate civil action against this company.
Product: Bank account or service

In XXXX XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX XXXX miles ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria several times, and was told to expect the XXXX miles to be deposited into my account by the beginning of XXXX XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the beginning of XXXX, Citi has changed their mind. They have suddenly decided I do n't qualify unless I can find a mailer from 5 months ago showing the offer. I think it 's unreasonable for Citi to expect me to keep mail for such a period, especially after confirming my offer eligibility. I believe Citi intentionally misled me in a way that encouraged me to pay monthly fees for as long as possible. I searched the internet for others with similar issues and was not surprised to find that the issue appears to be widespread. I believe the evidence points to numerous instances of intentionally deceptive marketing practices by Citi. I am bringing this issue to your attention because my attempts to discuss the issue with Citi have gone nowhere.
Product: Vehicle loan or lease

TOYOTA MOTOR CREDIT 59 POTENTIALLY NEGATIVE MONTHS Balance details 51 % paid off Balance {$7400.00} Balance updated XXXX XXXX, XXXX Original balance {$15000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Lease PAYMENT HISTORY LEGEND Status Account charged off. {$7400.00} written off. {$7400.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$7400.00} Original balance {$15000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 36 Months Contact info Address po box XXXX XXXX XXXX, IA XXXX ***** THIS LEASE WAS UNDER MY DAD NAME HE IS NOW PASSED AWAY XX/XX/XXXX - HIS NAME WAS XXXX XXXX XXXX
Product: Checking or savings account

I have had a previous complaint concerning Bank  of American a nd an overdraft fee.   While they claim to have fully resolved this issue, they have not and in fact it has gotten worse.   I have been charged  XXXX  additional {$35.00} overdraft fees.   The issue is that Bank of America does not fully disclose their overdraft fee policy and how they determine when and why they charge. They do not provide it to you in writing when opening an account ( I reviewed the paper work provided to me when I opened my account and all notices since ) in writing or on their website. Furthermore, their full policy is not easily accessible or found.   Bank of America does not even follow the policy they list on their site.   In other words, there is a lack of transparency and full disclosure. When I request their full policy to be provided to me, all representatives refuse to provide it stating " it goes against their internal policy. '' As a customer, to say providing a policy regarding how their account is charges astronomical fees goes against another policy makes zero sense.   Bank of America has had to settle multiple lawsuits in previous years and as a customer, the issues persist.
Product: Debt or credit management

I am writing to complain about ACIMA DIGITAL FKA SIMPLE, According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission. I am not liable for this debt with ACIMA DIGITAL FKA SIMPLE, i do not have a contract with ACIMA DIGITAL FKA SIMPLE and they did not provide the original contract as i requested. 

The amount shown is XXXX