23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted a Complete short sale package/Offer for {$28000.00} on XX/XX/2016. Ocwen/servicer for the note for XXXX of XXXX sent a denial on XX/XX/2016 that stated the offer was too low. I sent an Increased offer the same day XX/XX/2016 for {$290000.00} which is closer to the BPO amount of {$330000.00}. On XX/XX/2016 Ocwen sent another denial letter stating the offer was too low and to submit a higher offer. on XX/XX/2016 i submitted an offer of {$310000.00} and then again a full price offer of {$330000.00} the same day in case they denied the higher offer and yet again on XX/XX/2016 they denied the offer due to a confirmed sale date set for XX/XX/2016. I feel that Ocwen has been purposely been delaying this short sale approval as they have been servicing this loan for well over 5 years for the purpose of continuous servicing fees to the note holder. This is unfair and should be looked into and the home owner is in complete shock as to why they would continue with a sale while we are in final stages of negotiations. This truly makes no sense?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and XXXX guidelines. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX Report Date : [ Date from credit report, e.g., XX/XX/year> ]
Product: Debt collection

I AM WOMAN, BECAUSE OF ONE WEST BANK FALSE CLAIM AND ATTEMPT TO FORCLOSE MY PROPERTY ON XXXX, and filed false proof of claim ( FOR CONSTRUCTION LINE OF CREDIT WHICH WAS CHARGED OFF IN XX/XX/XXXX ) in Bankruptcy CASE NO,, first under name ONE WEST BANK, XXXX ( XXXX XXXX XXXX ) AMOUNT , 1,,,,,,, DATED,,,, CLAIM NO,,,,, and then under name ONE   WEST BANK, N.A ( XXXX XXXX XXXX ) FOR AMOUNT,,, DATED,,, DOC,,, AND never mentioned in bankruptcy case ONE WEST  BANK become CIT BANK IN XX/XX/XXXX. ALL THEIR ACTIONS harmed and damaged I and my family and lost costume property WHICH I built In XXXX by XXXX point at me ON XX/XX/XXXX, and 30 days in XXXX detention center in XX/XX/XXXX, for XXXX unlawful, administrative Bankruptcy court order. ( BANKRUPTCY CONVERTED TO CHAPTER XXXX BANKRUPTCY BY FORCE OF BAND AND BECAUSE OF DOUBLE FILING OF ONE WEST BANK ON XX/XX/XXXX. ) ( TRUSTEE DOUBLED ONE WEST BANK FALSE CLAIM, one for ONE WEST BANK XXXX, and another one for ONE WEST BANK, N.A= TOTAL $ //// ) I FILLED CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX, IN XXXX VIRGINIA CASE XXXX TO FIND OUT WHO HAS RIGHT TO COLLECT CONSTRUCTION LINE OF CREDIT AFTER ALLEGED CONSTRUCTION LINE OF CREDIT BEING CHARGED OFF BY MORTGAGE SERVICER XXXX XXXX IN XX/XX/XXXX. BANKRUPTCY DISMISSED PER 3 CREDITS REPORT {$0.00} CLAIM, AND {$0.00} LIABILITY IN XX/XX/XXXX. 
XXXX XXXX XXXX TRUSTEE FALSE ACCOUNTING REPORT AND FALSE SUMMARY CLAIM HARMED, harmed, harmed, harmed, AND DAMAGED I AND MY FAMILY VIOLATE DUE PROCESS OF LAW, VIOLATE JURY TRIAL, VIOLATE TRUSTEE OATH. 
1- I LOST {$91000.00} FROM DIP CHECKING ACCOUNT, 2- {$6300.00} REMAIN IN DIP CHECKING ACCOUNT THAT I CAN NOT USE IT AND I DID NOT GET CREDIT FOR IT. 3- PROPERTY WHICH I COSTUM BUILT ON XXXX KNOWN AS XXXX XXXX XXXX XXXX VA ,. chapter XXXX trustee. It began with the general principle in section 704 ( a ) ( 1 ) that a chapter XXXX trustees duties include collecting and reducing to money the property of the estate for which such trustee serves, and close such estate as expeditiously as is compatible with the bests interests of the parties in interest. The efficacy of liquidation must be balanced against the best interest of parties, including the debtor. Obviously, a chapter XXXX trustee may not conduct the case for the sole purpose of self-enrichment. Here, the U.S. Trustee was motivated, at least in part, by a desire to increase his fees.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I am being served by Mohela. Since their switch to a new website, I can't see ANY of the payments I have previously made- I am concerned they are stealing my payments and not putting them towards my loans since I am currently in school. Federal loan counseling states that any payments I make in school should count towards my loans but I can not see what I have already paid. 

I want to be removed from Mohela. I do not want them to service my loan. They should not be able to service loans. They are impossible to reach and do not provide enough information about the status of my loans.
Product: Debt collection

Received repeated phone calls from a blocked number. They finally left a message and asked me to call a phone number. They even called a family member and stated I was being taken to court. When I called the number back, I spoke with someone who said she was with XXXX XXXX  and I was being sued for a debt from 2015. She had some personal information of mine including my social security number, but the bank account she mentioned as not mine. I never had an account with that bank. She said I was going to be taken to court if I didn't pay today. I told her I would not do anything over the phone, that she would need to send something in the mail. At this point she hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the ownership and accuracy of XXXX XXXX account number XXXX with all three credit reporting agencies and the information comes back verified and/or updated There are many inaccuracies in the reporting of this account 1 ) The high balances report different dollar amounts 2 ) The last date verified is not listed 3 ) The dates the account was opened is inaccurate 4 ) The date the account was closed is not listed or inaccurate 5 ) The date of the last payment is not correct 6 ) The credit limit is inaccurate or not listed Per the FCRA consumer reporting agency must maintain maximum accurate information in a consumer report All three agencies are reporting different information
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXXXXXX XXXX NY XXXX XXXX ID # XXXX, DIVISION OF CHILD SUP EN # 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: Checking or savings account

On XX/XX/XXXX I received a text about a potential fraud charge from chase and they said to give them a call if I noticed anymore unrecognized charges. I gave them a call and told them that a lot of charges on the account were fraud and filed a claim. And they denied the claim for no reason saying they can not find fraud even though they texted me about the fraud. This money is for every day use such as bills, food, etc. and has been a very unsettling thing for me to go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I discovered I had been a victim of identity fraud. A handful of credit cards had been opened in my name. I contacted all 3 credit bureaus and most of the information was removed from my credit report. I tried to open an XXXX XXXX today and I was declined after being told my Experian report has a derogatory remark attached to it. I called Experian and they told me it has to do with a credit card opened with XXXX bank in 2019 which they have refused to close. I have no knowledge of a credit card opened with XXXX Bank. All credit cards opened by me are being paid regularly and I have never had a late payment as is reflected by my credit score in XXXX.
Product: Credit card

Beginning XX/XX/XXXX I began receiving items from XXXX I did not order. I have a complex password and Multifactor Authentication enabled. Purchases are being made from my XXXX account, the items being purchased appear in my cart but not on my list of orders. I am receiving the strange items delivered to my home and addressed to my name. I did not order these items. 

Approx. XXXX, I called XXXX and explained what was going on. They told me to change my password for XXXX and my Email. I did both. I have had Multifactor Authentication turned on for months prior to this incident. Makes no sense. 

XX/XX/year> I noticed XXXX Bank of America Business Credit Cards, in my name, stored on my XXXX account that I never applied for and had no knowledge of until now. The only information about these XXXX cards is on XXXX. They provide the bank who issued the cards, my first and last name, and the last XXXX digits of the XXXX cards. XXXX XXXX XXXX and XXXX XXXX XXXX. 

XX/XX/year> I called Bank of America, gave them my name, the last XXXX of the XXXX credit cards, my social security number, phone number, etc. they have no record of any account in my name and not the XXXX mystery credit cards in my name. Bank of America told me to contact the credit reporting services. Which I did. 

XX/XX/year> I pulled my credit reports online from XXXX, XXXX and XXXX. They show no suspicious activity as of XX/XX/year>. I did see several Inquiries I did not recognize. 

XX/XX/year> I requested Fraud Alert be applied for 1 year from XXXX XXXX After no help from anyone, I decided to file a dispute with the Federal Trade Commission in case something shows up in the future.
Product: Mortgage

Shellpoint is acting in bad faith. They are just playing time clock games. 

In complaint, XXXX I asked for an affirmation agreement. 

On XX/XX/2023, Shellpoint got a request for reaffirmation. They failed to acknowledge it. After I filed a complaint, Shellpoint, on XX/XX/2023, Shellpoint claimed that the email was mishandled. 

Now, Shellpoint claims they are working on the affirmation agreement. This is an attempt to run out clock without reaffirming. It gives them time to put in unconscionable terms and and not file a reasonable affirmation in a timely manner. 

Whatever I request, Shellpoint does the opposite in pure bad faith. I tried to reaffirm the note, but Shellpoint likes to play games and create obstacles. In fact, XXXX XXXX spins the bull for Shellpoint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request corrections for inaccuracies on my Experian credit report, which I initially reported to Experian on XX/XX/XXXX. Despite the passage of time, Experian has not responded or taken action to address these issues. The following details the erroneous information and the necessary corrections : XXXXXXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$800.00} ) Incorrect Balance : I dispute the reported balance of {$800.00}, as I recall the amount being lower. 
Past Due Reporting : Please remove the Past Due amount as this account is closed and charged-off. 
Dispute Marker : I request that you mark this account as disputed to prevent further XXXX XXXX impact. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} ) Incorrect Creditor : The original creditor for this account is not the one listed ( XXXX XXXX  ). 
Balance Discrepancy : The reported balance of {$270.00} is higher than my understanding. I dispute this balance. 
Date Verification : I request verification of Date Opened and Date of First Delinquency. 

XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} ) Incorrect Creditor : The original creditor is XXXXXXXX XXXX XXXX XXXX XXXX not XXXX. 
Inflated Balance : The reported balance of {$2100.00} is inaccurate, and I dispute this amount. 
Date Verification : Please verify Date Opened and Date of First Delinquency. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$760.00} ) Unknown Collection Agency : I do not recognize the reported collection agency as I have no contract with them. 
XXXX XXXX : The reported balance of {$760.00} is disputed as I believe it should be lower. 
High Balance Discrepancy : The reported balance is higher than the High Balance, indicating an error. 
Date Verification : Please verify Date Opened and Date of First Delinquency. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} ) Inflated Balance : I dispute the reported balance of {$270.00}, as I believe I owe a lower amount. 
Past Due Reporting : Please remove the Past Due amount as this account is closed and charged-off.

Direct Contact : I intend to contact the creditor to resolve this issue and request that this account be marked as disputed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

Account Name : XXXX XXXX XXXXT Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

I would like to formally dispute the hard inquiries listed on my credit report, as I believe they are fraudulent. Please investigate these entries and take the necessary steps to remove them from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNTS BELOW : ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

Revenue Assurance Professionals collection accounts have been removed from my credit report because the accounts could not be verified. Since the removal of the account Revenue Assurance Professionals have reported late payments under Other Loans on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX amount {$5900.00} showing that this account is open and past due. This is not correct. 

XXXX XXXXt XXXX XXXX  ) {$1300.00} showing a past due balance. This is not even my account. 

XXXX XXXX {$1000.00} showing a past due balance. This doesnt belong to me. 

XXXX {$120.00} showing a past due balance. I never had an account with this company. 

I have submitted several letters requesting the inaccurate information removed from my credit report. I have asked for proof that these items belong to me and they have failed to provide me with documentation. 

Please see the credit report attached with the items circled.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022, my parked car was hit by a person in a hit and run. I filed the police report and submitted my claim to insurance as a hit and run victim. My wife is trying to get insurance and add me to her policy, but when the insurance company checked my background via the LexisNexis database, it states that the accident was my fault and I received XXXX points on my license because I was at fault. I contacted both my insurance company and the reporting police department and confirmed that I was not at fault and I received no points for it.
Product: Checking or savings account

There were couple of fradulent ATM trasnsactions occured from my citi debit card. One from my checking account for the amount of XXXX dollars and another from saving account for the amount of XXXX dollar. Citi bank is not honouring their claim of XXXX liability against fraudulant transaction. I submitted police compliant with my claim that it were fradulant and was not done by me. WHile they honoured my XXXX dollar claim and gave my money back. But they are not accepting the XXXX dollar claim. XXXX dollars atm withdrawal happened on XX/XX/2021 at XXXX XXXX and XXXX dollars atm withdrawal happened on XX/XX/2021 XXXX XXXX. There was an email at XXXX XXXX which says my debit card was unlocked using citi customercare representative. But it was not me who called the bank. Citi bank accepted the XXXX dollar claim and gave my money.But for XXXX dollar they are denying my claim. Both the ATM transaction occured on same day with XXXX mins difference.
Product: Credit reporting

I get an account with XXXX XXXX who still showing open. This account was satisfied on XXXX 2015 and supposed to be closed. I want this information to be updated with Equifax case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet. I feel like Im being ignored and taken advantage of because I am disputing so many items on my credit report. Section 611 ( a ) of the FCRA plainly states that a failure to investigate these items within 30 days prompts the immediate removal of those items from my credit report. It has been over 60 days, so they should be deleted. I demand these items be deleted immediately or I will file for litigation due to the stress that this situation has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 


Creditor Name : NETCREDIT/XXXX  Date of Inquiry : XX/XX/2022 Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.
Product: Debt collection

This letter is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this.

I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Product: Checking or savings account

Still not letting this go! Wells Fargo has showed how classless it actually is. this is the 5th complaint on the same issue and the bank refuses to take responsibility for the dispute that is entirely its fault. why do I have to jump through hoops to prove my innocence on the back of a security breakdown of the bank. I have been through so much with my family and countless hardships due to the lack of compassion on the banks part and my family has been put in jeopardy because of it. ive done exactly as I was asked by all parties involved and still as a loyal customer of 20 years, am being asked to eat everything I have in all my accounts combined and the banks has not even offered as much as a XXXX of compensation. 

I will not stop these complaints Ever. until I have what was stolen from me I will not stop. its complete XXXX that the bank said they tried to get my money back from the XXXX XXXX that allegedly got my funds. ive done my due diligence and I am not willing to let this slide. im contraction every news outlet and im blasting this story. enough is enough. im tired of being blamed for your mishap and im tired of doing without while the bank looks down its nose at me and my family getting robbed while it fails to meet expectations of security and loyalty. grow up and make this right. I want every cent that was lost not a dollar more or a dollar less. im not in this to get a free payday. I just ask that I get back what I worked for months so hard for. just asking for decency. refer to my past complaints for details. if you are my case worker reading this put yourself in my shoes and imagine looking at my wife and XXXX XXXX XXXX girl and explaining why they didn't get a XXXX last year and why food is scarce. not a pity party but reality. use the contingencies that the bank has to make this right. do something opposite of the greedy world and help those who invest there money into a banks protection and rely on it to keep its word. protect those who are employed by the bank because of our business. ive more than proved my own innocence now lets see the bank do the same. 

God Bless The XXXX family