23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting this complaint in reference to my previous complaint. To XXXX XXXX XXXX for debt of validation. I never received a validation of debt, I received a billing statement, and a letter head with the company name on it which was not what I requested.

In my second request I am requesting a copy of the Original Signed Contract, Per the Fair Credit Reporting Act, 15 USC 1681, and 15 FDCPA 1692g. I also as a consumer who have had my rights violated under the FCRA. and FDCPA statues violations : The listed below statues have been violated : XXXX XXXX XXXX - 15 USC 6802 Obligations with respect to disclosures of personal information - 15 USC 1681 A consumer reporting agency under false pretenses or knowingly without permissible purposes - 15 FDCPA 1692e ( False Deceptive or Misleading means in connection with the collection of any debt. 

You XXXX XXXX XXXX, has violated FCRA 1692e in your attempt in collection of thsi debt. By, making said statement since the debt was sold/ bought by you, that you own the debt. Which, is a false statement and is misleading. That you own the debt without providing proof of the Original Signed Contract. WHICH YOU DO NOT HAVE, THEREFORE COMMITTING MISLEADING REPRESENTATION IN CONNECTION WITH THE DEBT. 

You are in federal violation of all the listed stautory violations listed. In summation I am going to request again that you provide me a copy of the Original Signed Contract. Do not send anymore billing statements, of credit card information, nor a letter head with your Company name. 

PLEASE, SEND ONLY THE COPY ORIGINAL SIGNED CONTRACT OR DELETE THIS ACCOUNT FROM EXPERIAN CREDIT REPORT..
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$130.00} XXXX # XXXX XX/XX/XXXX -- {$610.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$41000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1400.00}
Product: Credit reporting or other personal consumer reports

In XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items
Product: Mortgage

Dear Sir/Madam, I am reaching out to you because XXXX XXXX XXXX   sold my loan to Selene Finance. Over the past 2 years, I have struggled to be consistent with payments and when I have brought my account current, Selene Finance, has found ways to add fees to my account in an attempt to keep me behind on my mortgage. Last year, when I brought my account current they sent me a letter indicating that my account was assessed {$2000.00} in late fees ( some of which I had already paid ), and corporate advance fees which included numerous property inspection fees. I contacted Selene Finance and they indicated that they would investigate the origin of the fees. Needless to say, they never fully explained the resolution but indicated that some of the fees would not be charged. On XX/XX/20, I made a payment which brought my account current and included an extra {$20.00} to be applied to my principal. On XX/XX/20, I received several notifications from the credit bureaus that Selene Finance reported my account late which was not correct. To add insult to injury, Selene Finance assessed me two fees of {$15.00} on XX/XX/20 which I presume were inspection fees. However, it appears they charged me twice to cancel out the monies ( {$20.00} ) to be credited to my principal balance. I sent them a letter last month inquiring why they are conducting inspections several times a month when I have consistently maintained contact with them on a regular basis throughout the past year. They indicated that it's done at the discretion of the service provider. This was odd since I thought Selene Finance is my service provider,  however they are quick to state that they are a debt collector. If that is the case, then why is the only correspondence I receive about my mortgage is on Selene Finance letterhead? It is becoming apparent that Selene Finance does not have the consumer 's best interest in mind. It appears they are subjecting customers like myself to questionable practices which are meant to keep them delinquent in being able to make mortgage payments which may allow them to seek refinancing through another lender. I admit that I pay my mortgage towards the end of the month due to my pay schedule which makes it late. However, I asked a Selene Finance Customer Service Rep if they could accept my payments on biweekly basis and they indicated that they could not. I have made a conscientious effort to improve my credit scores so I can obtain financing elsewhere but with Selene Finance submitting a false report of my account being late made my credit score drop at least 20-30 points. I have read similar complaints from other Selene Finance customers and I need to find out who do I need to contact regarding their business practices. Clearly they are not as transparent as they should be at the expense of their customers. Thank you for your assistance with this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.
Product: Mortgage

Loan # XXXX Complaint : Taxes paid from escrow account that were from another property owner for unsecured debt over 30 years old. Ocwen will not remove and cancels appt 's. Ocwen returned wire to reinstate loan 1 week after receiving. 

XXXX I was doing a loan Modification in XXXX and discovered that Ocwen had never paid my taxes on the XXXX parcel and it was going up for auction. After many calls trying to get anyone to understand this Ocwen finally paid the bill XXXX. I was assured by the relationship manager that when they finalized the modification the back taxes would be included. After analyzing my escrow account I realize that they not only did not include these amounts in the loan modification but that they paid some on else 's taxes. There were taxes paid that were from XXXX XXXX/XXXX/XXXX {$2000.00} on another borrower of the property that was unsecured. Ocwen keeps changing the payment amounts so I could not keep up with the payments as I am XXXX. Now I am trying to reinstate my loan and I can not come up with all this money that they are adding on my account. 
I have a reinstate on my statement amount of XXXX, XXXX XXXX/XXXX/XXXX Talked to Ocwen XXXX/XXXX/XXXX to try to get help with loan and was told that I had to pay all the old taxes to that were not mine. 
Received reinstatement amount on XXXX/XXXX/XXXX that says XXXX. I then did the research on amounts due and found all the escrow errors on my account. XXXX I called CA tax collector and got them to email the information regarding the taxes that were paid for someone else out of my escrow account. XXXX I emailed XXXX XXXX XXXXXXXXXXXX with all the information. I made an appt to talk to Ocwen XXXX, they never called, looked on computer and apt was deleted. I created another apt for XXXX/XXXX/XXXX, I checked for the apt XXXX and it was deleted again. I rescheduled again for XXXX/XXXX/XXXX and no call. XXXX I received letter from XXXX totally ignoring what I said about the taxes. XXXX I called the taxes department XXXX and talked to person id # XXXX and explained the whole issue. I was told they would research and call the tax collector I had talked to and I should hear back in 2 days. I heard nothing and I could not wait to talk to someone so I sent my statement with the amount due to reinstate, wired the XXXX on XXXX/XXXX/XXXX to Ocwen. As of XXXX/XXXX/XXXX the payment had not been credited to my acct. On XXXX/XXXX/XXXX the appt. to talk to the relationship manager was cancelled. I went back in the computer to reschedule again ( not XXXX/XXXX/XXXX ) and noted that I had paid the amount that was due on my statement. On XXXX/XXXX/XXXX the monies paid we suddenly returned to my bank account.
Product: Checking or savings account

I changed my maiden name back in XXXX. My address changed in XXXX. Since I opened my Capital One account while living at XXXX XXXX, I changed my address to reflect the permanent address. However, their system still showed all this old information. The fact my maiden name was still listed makes no sense. I have not used XXXX since XXXX and that was 7 years before opening my credit card. I called in to correct it all. I spoke with a supervisor named XXXX. His employee number is XXXX. He insisted I mail a completed W9 and my drivers license to Capitol One. I explained that I did not want to send my personal identifiable information via mail since I have been a victim of fraud twice ( once was mail fraud and the fraudsters stole my IRS check ). Capital One has the capacity to accept documents via an upload if they send an email with an upload link. I have uploaded documents this way before, so I know it is possible. XXXX refused. I also explained that Capital Ones controls failed since there was not an appropriate process in place to ensure something like this would not happen. XXXX was not interested in appropriately handling this situation and correcting Capital Ones mistake. He pushed me off even after I said I was going to file a complaint with the CFPB. He said ok, if that is what you feel you need to do. Logically, Capital One could pull a credit report and see my last name is XXXX and that appears on all of my personal documents. I also asked XXXX to verify when my Capital One credit card was opened because that would show evidence that the card was opened long after I changed my name in XXXX. XXXX told me he could not see the opening date. This makes no sense. He works for Capital One. I assume he just didnt want to give me the information because that would substantiate my complaint that Capital One should not have had my maiden name in the system. I called back to ask for a different supervisor and spoke with XXXX and she said her employee number is XXXX. However, one has a 5-digit number and the other has a 6-digit number, so I suspect someone didnt give a correct employee number. XXXX also refused to work with me on this issue. I expressed my concern to her about missing the checking account bonus deadline because their turnaround time to process a name change is 5-7 business days after receiving my W9 via mail. Once that is corrected, then I still would have to go through the process of getting my new account funded in time. XXXX offered no assistance in working with me even though this mistake was entirely Capital One. So, after all this, Capital One may cost me a bonus that I should be entitled to just like every other customer.
Product: Credit card or prepaid card

A account was opened fraudulently in my name Ive reached out to resolve it and have it removed and nothing has happened its affected my credit and personal life tremendously
Product: Credit reporting or other personal consumer reports

I contacted transunion and I noticed that I have these hard inquiries in my credit report, I do not recognize these and they were not authorized to be carried out by me, this is causing me a serious problem since my credit score is falling too much due to this, below I list the hard inquiries which I need to be removed immediately from my credit 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
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an account listed on my credit report from XXXX XXXX Account # XXXX ). I believe this account is being reported inaccurately and violates provisions of the Fair Credit Reporting Act ( FCRA ). I request an investigation and the deletion of this account from my credit file. 

Reasons for Dispute : Inconsistent Information Across Credit Bureaus : The " Date of Last Activity '' is reported inconsistently : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Similarly, the " Date Opened '' is reported as : XXXX : XX/XX/XXXX Experian and XXXX : XX/XX/XXXX These discrepancies violate the XXXX requirement for accurate and consistent reporting ( 15 U.S.C. 1681s-2 ). 
Potentially Inaccurate Future Reporting : The " Date Reported '' by XXXX is listed as XX/XX/XXXX, a future date, which raises concerns about the timeliness and accuracy of reporting. 
Incorrect Account Balance and Status Details : While the balance is reported as {$0.00} across all bureaus, the remarks indicate it was " Charged off as bad debt '' and " Purchased by another lender. '' These notations are misleading and may inaccurately suggest unresolved debt. 
Inconsistent Credit Limit Reporting : The credit limit is reported as {$500.00} for XXXX and Experian but {$0.00} for XXXX. This discrepancy can negatively impact my credit utilization and overall score. 

Failure to Reflect Dispute Status : The report lists " Account not disputed '' across all bureaus, even though I have initiated disputes. This failure to update the account status demonstrates non-compliance with FCRA Sections 611 and 623 regarding dispute resolution and proper notation. 
Requested Resolution :
Product: Mortgage

Ocwen mortgage company took over financing my house from GMAC. Immediately they claimed I hadn't enough insurance. Next they were taken my insurance payments from my mortgage but didn't pay the insurance that was due to XXXX. They claim they couldn't reach them. They allowed my insurance to lapse by not paying XXXX although they had collected the money with my mortgage payment. Next they were trying to strong arm me to accept another insurance company at a much higher rate. Once I found out they purposefully lapsed my insurance I inquired why they hadn't simply paid XXXX insurance. I had never paid XXXX directly since I bought the house. Now my insurance doubled from {$1400.00} a month to {$3200.00} a month. All because they just decided not to pay XXXX. Every month now I have to pay more. This company is totally aggressive in hurting homeowners. Can they be held responsible for causing my insurance to double? Plus they continue to make me pay over my contractual agreement month after month ... My principal had hardly decreased since they took over my mortgage. They are responsible for my insurance lapsing. Can they be held responsible? Thank you
Product: Credit reporting or other personal consumer reports

I have sent multiple good will letters to XXXX XXXX bank to remove late payments when I was going through hardship during XXXX under the care act. They did not change anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted proper documents to Experian, XXXX and XXXX   showing I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they repsonding. This is impacting my score and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these items several times and also I have reported XXXX XXXXXXXX to the Nation Credit Union Administration also I will be making an OCC complaint followed by and Attorney General Complaint if I am unsuccessful with remedy this time.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, XXXX XXXX, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX Fraudulent accounts unauthorized identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX fraudulent addresses connected to fraud never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to express my extreme frustration and anger about the account on my credit report that shows an inaccurate balance. XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX : {$5500.00}. Let me clarify that this was due to an error, and I demand that you remove this account from my credit report immediately. I already submitted a dispute to XXXX and XXXX regarding this issue, and they have already removed it from their records. They found an error and were able to verify it. I'm confused how you've verified this account while the other bureaus have already removed it. Please delete this account from my file. It is inaccurate, erroneous, incomplete, or unverifiable. I was the victim of this error, and I'm not sure why the credit reporting agency is not complying with the law. The other bureaus have followed suit. I'm very confused why this one seems to ignore my requests. Also, The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. Please see this account is removed from my file at once. If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed. U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Product: Debt collection

This is a followup complaint to CFPB Complaint ID # XXXX. XXXX XXXX XXXX, XXXX sent documentation in response to that complaint which proves that I am not the person they are pursuing with the debts which they reported to my credit. 

1 ) I have never resided at the address that they have listed for " XXXX XXXX '', which per the attached documentation is XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) I have no associates or dependents or family members named " XXXX XXXX '' or " XXXX XXXX. '' 3 ) No members of my family or myself took ambulances on XX/XX/2014. 

Therefore, I am not the person who owes this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union and XXXX are reporting a credit agency XXXX XXXX XXXX. on my credit report illegally, the is closed and is over 7 years old. Per the law negative and closed accounts only remain on a credit for 7 years. I have tried to dispute this item, but the item continues to be reported on my credit report and no explanation as to why.
Product: Mortgage

I refinanced to get a better rate for my mortgage in XX/XX/2020. The new company that took on my mortgage was called BSI Financial Services. I paid my mortgage in full for XX/XX/2020 on XX/XX/XXXX. Then, in XX/XX/2020 I got a letter informing me that " the servicing of your mortgage loan is being transferred effective XXXX XXXX '' and " BSI will stop accepting payments received from you on XX/XX/2020 ''. As of XX/XX/2020 my mortgage was with XXXX XXXX. 

On XX/XX/XXXX, I checked my bank account, and I can see that XXXX XXXX took my full mortgage payment on XX/XX/XXXX, AND BSI had taken a full mortgage payment on XX/XX/XXXX. The payment BSI took is identical to the XXXX Payment I made. I have the bank statement to prove they took my money. 

I called BSI on XX/XX/XXXX and they assured my that my automatic payments were shut-off, and that my account is no longer with them. They said they have no records of taking my money in XXXX. I spoke with a BSI representative named XXXX, and she said all I can do is e-mail XXXX. I e-mailed BSI on XX/XX/XXXX, detailing the whole situation, and they never go back to me. I sent another e-mail on the XXXX and asked for a response within 24 hours and still got no response. Calling and e-mailing this company hasn't been working. The XXXX  mortgage payment BSI took of {$2800.00} is still gone from my account.

I XXXX   BSI and s
aw that they have had lawsuits with the Consumer Financial Protection Bureau before. This worries me because I don't want this company to get away with taking my money. And since they did it in  XXXX, I don't know how to stop them from doing it again in XXXX. I thought about flagging it as fraud with my bank ( XXXX XXXX XXXX ), but I figured I would try to contact the CFPB for help first since you have dealt with BSI before. All I ask is that I get my {$2800.00} back in my account, and written confirmation that they won't be taking any more of my money in the future ( since I am now with XXXX XXXX and they legally shouldn't be taking my money anymore ). 

Please contact me so I can provide you with my bank statements, the e-mail attempts with BSI, and the physical letters I got in the mail saying my mortgage was transferred and that BSI wouldn't take any money for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple XXXX XXXX XXXX accounts reported past due. Account reported open X/2006 with a balance of {$5500.00} is not my account, my XXXX account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I contacted XXXX and the basically said if pay for their monitoring service then they would consider my request more seriously other than that they wanted more proof that I was me I am attaching exactly the letter that I sent to them along with my ID. I want this resolved as soon as possible