23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I fell behind on payments due to health. I secured $ XXXX from Florida 's Hardest Hit fund to pay Ditech/Greentree. Ditech/Greentree misapplied these payments I can prove through just looking at my credit report. I applied for a mortgage modification. Ditech would say they did not receive my paperwork and would have to resend. They kept saying they did not receive. I was working with Florida 's Hardest Hit and we called once again and they said I was denied for no reason. I have no debt and a steady income. They sold the house to themselves at auction for $ XXXX I've been here for 17 years making payments. Despite making payments for all of XXXX and some of XXXX and providing them an addt $ XXXX for principle my balance kept going up. I don't believe they ever intended to provide me a modification and just mishandled everything so they could foreclose on me and steal the house to flip and make more profit.
Product: Credit reporting or other personal consumer reports

I did not make the following inquires. It does not look like it resulted in the creation of a line of credit. I request immediate removal of the following inquiries : EXPERIAN : XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 US. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? I have attached some documents that you can clearly see what I'm talking about. incorrect dates and amounts. 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. 
ACCOUNT NAME ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit file. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It may concern : Ive had identity theift for years and have contacted the police and their response to me was since it is small amounts each time it was nothing that could be done but if it was a lump sum then action could be taken. I have written serveral letters to the credit bureaus asking for debt validation and orginal contracts stating what is being reported on my credit report is accurate, and it comes back as verified but I never recieve written documention showing its actually an account I have authorized. I was also a victim of the XXXX data breach in 2017 and looking at my XXXX report I also see that my personal information in being viewed on a daily basis. I will attach documents for the certified letters that Ive written also proof showing my personal information has been compromised. Ive writtent certified letters to not only the the credit bureas but the collection agenices that are incorrectly reporting on my report. Ive also done my due dillegence and have documentation showing that the listed companies are illegally trying to collect a debt are unauthorized to collect in my state of Ohio. If the attached documents are not clear please visit nmlsconsumeraccess.org. Listed below are the companies XXXX ) XXXX XXXX XXXX ) I XXXX XXXX XXXX ) XXXX XXXX  XXXX ) Amsher Collection Services XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act these accounts have 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 an account without my written instructions. 

I have also attached a copy of my ID I did not attach my SSN considering the data breach and my personal information being compromised, but if there is any other documentation that is needed from me please let me know. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Ending account number 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 


XXXX XXXX
Product: Money transfer, virtual currency, or money service

CASH APP Hi XXXX, Looking at your account, I can confirm that this {$710.00} payment was successfully sent to XXXX XXXXXXXX. Cash App is unable to cancel or refund completed payments. 

If the recipient is having trouble accessing that account, please have them contact us via their app. 

Feel free to pass this info along to the recipient, and let me know if you have any questions. 

If you have any other questions, feel free to reach back out to Cash App XXXX.

Warm Regards, XXXX Cash App XXXX Manager I sent this money to my daughter old cash app that she didnt have access to for an emergency once we realize that it was the old cash app we called to see if we could have the money sent back to me or sent to her new cash app and they never helped us they basically rob for money that they seen but never issued it back to me or my daughter. My daughter reached out to them gave all her information to verify she was in fact the person and verify with cash app that it was her cash app and never sent her or I the money its just sitting on an old account and they wont give us back our money.,. Please see the message from cash app.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : DEPTEDXXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have previously reported these items was incorrect. It is not my account, i believe i am a victim of identity thief. The following accounts needs to be deleted : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1900.00}
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA XXXXONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Product: Credit reporting or other personal consumer reports

I have a lot of hard inquires on my credit report and I would like them remove and deleted due to 18 USC 1028A.

If you violate 18 U.S.C. 1028A, you are guilty of aggravated identity theft and will face a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

HARD INQUARIES XXXX  XXXX ( BANK ) XX/XX/XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX ( BANK ) XXXX XXXX XXXX XXXX  ( BANK ) XX/XX/XXXX XXXX  XXXX ( BANK ) XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX  ( BANK ) XX/XX/XXXX XXXX XXXX  ( BANK ) XX/XX/XXXX XXXX  XXXX ( BANK ) XX/XX/XXXX XXXX
Product: Debt collection

I received a credit monitor alert for things I have no knowledge or applied for. I contacted XXXX XXXX, XXXX, XXXX and AFNI collection company about fraudulent accounts being on my credit report. Someone obtained a phone account with XXXX XXXX XXXX XXXX in the amount of {$290.00} in XXXX of XXXX. It was removed from my credit reports with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX after my complaint and report of identity theft and now the exact same charges of {$290.00} from XXXX XXXX XXXX is back reporting through another collection company called AFNI located in Florida. I want these unauthorized fraudulent accounts to be deleted. I have filed numerous complaints but yet, AFNI and XXXX XXXX XXXX continues to attempt to collect a debt that is not mine and not owed repeatedly putting it back on my credit reports.
Product: Vehicle loan or lease

My business with Consumer Financial services was for a car loan. The car was totaled. I contacted  CFS  to inform them not to take the next payment because the car was totaled and that my insurance company will be in contact with them. The insurance company contacted them and informed them of the same information I provided. They were also, given a claim #. Within in the next day or so they withdrew money from my account after I asked them not to because the vehicle was going to be paid off. A few days later, I go into the establishment to pay off the lo an  XX/2016 . I as ked how much and wrote a check on the spot. Balance became {$0.00} received a receipt to prove the balance was {$0.00} A few days later I was told that I still owe an amount. I was dumb founded because I paid them the amount they told me I was paid in full. Fast forwa rd  XX/2016  CF  S w as calling me non-stop everyday all day for about a month about money they claim I still owe them. They attempted to take money out of my account again without my knowledge or consent. Recently, CFS have also, ran my credit again without my knowledge or consent. The call and harass references and tell them my personal information on a car loan was clearly paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Mortgage

Ocwen is not complying with the Ocwen National Servicing Agreement and the National Mortgage Settlement. Ocwen is relying on a fabricated document to conduct a foreclosure sale. The mortgage transfer filed in XXXX XXXX was filed by a known robo-signer, XXXX XXXX. According to the National Settlement website, " The consent order addresses Ocwen 's misconduct during the mortgage servicing process. It also covers XXXX companies previously purchased by Ocwen, Litton Loan Servicing LP ( " Litton '' ) and Homeward Residential Holdings LLC ( previously known as American Home Mortgage Servicing, Inc. or AHMSI ). Ocwen must also pay XXXX to the nearly XXXX Ocwen, Litton, and Homeward borrowers who have already been foreclosed upon and Ocwen must adhere to significant new homeowner protections. 
The consent order requires that Ocwen follow the servicing standards set up by the XXXX National Mortgage Settlement ( NMS ) with the XXXX largest banks. Ocwen 's compliance with this settlement will be monitored by the same professional monitoring team currently in charge of enforcing the NMS, led by former North Carolina Banking Commissioner XXXX XXXX. '' According to the United States Department of Justice News Release, " The court documents filed today also provide detailed new servicing standards that the mortgage servicers will be required to implement. These standards will prevent foreclosure abuses of the past, such as robo-signing, improper documentation and lost paperwork, and create new consumer protections. The new standards provide for strict oversight of foreclosure processing, including third-party vendors, and new requirements to undertake pre-filing reviews of certain documents filed in bankruptcy court. The new servicing standards make foreclosure a last resort by requiring servicers to evaluate homeowners for other loss mitigation options first. Servicers will be restricted from foreclosing while the homeowner is being considered for a loan modification. The new standards also include procedures and timelines for reviewing loan modification applications and give homeowners the right to appeal denials. Servicers will also be required to create a single point of contact for borrowers seeking information about their loans and maintain adequate staff to handle calls. '' Ocwen is continuing with the foreclosure abuses of the past by relying on this robo-signed document and by listing our home for foreclosure sale while it is being reviewed for a loan document. All documents have been received for the loan modification by Ocwen as of XXXX/XXXX/XXXX. Ocwen 's account analyst from the Consumer Ombudsman nor Ocwen 's legal attorney, XXXX XXXX are familiar with the new servicing standards or the Ocwen National Servicing Agreement and the National Mortgage Settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to emphasize that the inquiry in question is not associated with me in any way.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with the second unsuccessful attempt to remove fraudulent items from my credit file. Despite my continued efforts to rectify this matter, the fraudulent entries persist on my credit report, causing significant distress and negatively impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my initial attempt to correct these inaccuracies. Unfortunately, the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urge you to conduct an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this second complaint and outlining the specific steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6400.00} - tXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$690.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$68.00} ; XXXX XXXXXXXX Balance : {$2500.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research account I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account dont belong to me Please remove this account of all 3 credit report agencies, look here the accounts to delete 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to XXXX XXXX XXXX - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) ) 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
Product: Mortgage

To follow up with further documentation, as I relayed I put my home up for sale, I was not at that time behind on a payment! I right away had a cash buyer, Wells Fargo drug their feet on this sale, said that HUD wouldnt let me sell. This was not true. I even spoke with HUD they said I should be fine to sell.I again spoke with Wells Fargo & the lady said I should be fine. So when my realtor put through the work they said I had a problem with my loan. They fabricated this problem. All this took weeks & I thought I was just waiting to close, then because of their dragging their feet Im now 1 payment behind they new I had a cash buyer so they caused my home not to sell so they could sell to my cash buyer & they made the profit. 
Im am sick from being treated like I didnt speak to both parties say I should be able to sell. They fabricated an inner issue to cause be to have to Short Sale. I was absolutely a victim in their illogical activity. Im discussing this with a layer this time. I suggest this be looked into further. There should even be recorded messages with my being told I could sale as well as documentation with HUD that if I had a cash buyer I could sell. 
Wells Fargo needs to finally be stopped with these illegal actions against innocent people, in my case I was targeted as a single women & easy to bury illegal practices. I know what I was told. When I talked to these people it always said our conversation s were being recorded, so why arent those checked. I was forced into signing paperwork acting as though they were reconstructing my loan not stealing my escrow, my cash buyer waited patiently through this entire process & Wells Fargo saw this & took advantage of this with illegal Short Sell transactions.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.