23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

It has taken years to find out how/where to pursue this complaint. 1997 I had this loan server Ocwen. They had not cashed my payments for three months and were attempting foreclosure I had just had XXXX to stop it I filed bankruptcy. Ocwen took me back to court three times during I had receipts that showed payments were never late and their claims were false. I hired an attorney Ocwen refused to speak with my legal representatives. Ocwen blocked 3 Refi attempts by not providing timely docs. I received notice of additional money owed at end of bankruptcy Ocwen had been charging ( Thru 6mo after b/r ) fees that " prepetition payments '' " alt payment '' " partial suspense '' etc I was told these were charges added because of extra paperwork from bankruptcy but continued until I refinanced away from Ocwen. During Refi as docs were being processed Ocwen increased dollars and escrow covered increases to make loan clear. Exigent circumstances. A year later I received an overpayment for same increase sum. Ocwen was rude, unprofessional, harassing, refused to acknowledge communications and I believe Ocwen took additional fees under cover of bankruptcy and subsequent closing process. Ocwen represented the worst in mortgages as they blocked all attempts to discuss my concerns or credibility to their docs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( addresses, account, or inquiry XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : XXXX XXXX XX/XX/2022 XXXX 
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Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The people we dealt with or were involved with this were XXXX XXXX, XXXX XXXX, XXXX XXXX, all claimed to not work on commission. When we spoke to them, they told me I was making a good financial investment & promised things would be positively different each time things got worse. They enticed us saying that we can actually make money from it by renting it out hence gaining rental income. Another profit would be if we decide to sell it because the resale value would go up. We were told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered it's our last chance at the lowest price. They opened a credit card for us but was not approved, they never gave us a copy of the application and were not properly educated of the fees involved. Everything was rushed especially when they didn't even gave us ample time to read through the contract and understand it's contents so we can be fully aware of the contents of the agreement. They also used threatening statements such as ruining our credit and possibly go to jail. We weren't properly informed how to cancel. Though they informed us how many days to cancel and we were able to send cancellation request but obviously it was never cancelled. We have copies of communications sent to them. We felt we were profiled, we were XXXX y/o at the time and we feel like our age were taken advantage of. We experience stress because of this timeshare, sickness, headaches, can't sleep, stopped going out due to fear and given our age, it just doesn't help plus the medical condition we're dealing with ( XXXX ). Having this timeshare just makes our situation worse, the pressure when we spoke to them, not allowing time to read the contract, telling us we'll lose out on the deal if we wait. All we got is being stressed out ever since we had this timeshare. We were simply defrauded, lied to and was taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX, someone who is not me was able to open up a credit card under my name, email and home address. They spent over {$200.00} at Children 's Palace. I received an email of these charges and notified Children 's palace in which they cancelled the order. I had just changed phone numbers in XXXX XXXX XXXX because I was constantly getting spam messages, emails and calls. Then i received an alert from XXXX XXXX that a new line of credit had been added. I HAVE NOT HAD AN OPEN CREDIT ACCOUNT SINCE XXXXI was able to sign into the online account of Childrens whatever because they signed up with my XXXX and old phone number. From there I was able to see the name and address of criminal who is impersonating me and using my credentials to open accounts. i have reached out to all three credit bureaus and put a freeze on them.
Product: Debt collection

On or about XX/XX/2018 I received a debt collection notice for Debt Recovery Solutions out of New York, alledging I owed a debt to XXXX XXXX XXXX. 

I researched XXXX XXXX and found that they appear to be out of business so I could not contact them directly. I wrote a letter to Debt Recovery asking for verification of the debt that must include my signature as validation that I had agreed to any such services. First letter mailed on XX/XX/18. 

Second letter to Debt Recovery mailed on XX/XX/18 advising that I had not received any response and to ensure they removed any and all debt collection trade lines from my credit report. 

The few days later I received a response with some computer generated statement as their attempt to validate the debt. 

I sent another letter on XX/XX/18 disputing the validity of the debt again and disputing their documentation since it was computer generated and anyone could have created it and it did not include my signature or any authorization from me for said services. 

I have received no response to my 3rd letter. Debt Recovery has refused to respond to my reasonable demands that they prove I owe this debt. They are harming my credit and my reputation with their trade lines and I should not be obligated to pay something to some third party if they can't show written evidence I agreed to anything. 

As far as I can tell I do not owe this debt.
Product: Debt collection

On XX/XX/2018 we indicated to our rental agency that we would be exiting the rental property that we lived at by XX/XX/2018. We paid our prorated rent in full for that time frame. During this time we were in the process of buying a house so things were very confusing. We asked XXXX to work with us which they chose not to do. After some changes and attempts to stay longer we eventually left on XX/XX/XXXX as originally indicated. After we exited, XXXX attempted to collect the remaining balance of the rent for days that we were not there. They additionally falsified receipts and made up records to say that we didn't clean the house. We have video and email records to indicate the house was clean, the keys were left on the counter and all money that we owed was paid in full. XXXX XXXX in XXXX XXXX South Carolina has a history of scamming renters.
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 XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

Subject : Request for Removal of Inaccurate Charge-Off Accounts from Credit Reports Complaint Details : To Whom It May Concern, I am submitting this complaint to request the removal of inaccurate charge-off accounts being reported on my credit reports by XXXX, TransUnion, and XXXX XXXX The accounts listed below no longer represent valid debts and are inaccurately reported, as the amounts in question have been canceled and considered taxable income by the IRS. 

According to IRS regulations, canceled debt is treated as income and is reportable to the IRS via a Form 1099-C. Such income can not simultaneously be reported as outstanding debt on credit reports, as this practice creates a misleading and unfair representation of my creditworthiness. This issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accurate reporting of credit information. 

The accounts that need to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my FTC Identity Theft Report ( Report # XXXX ) for reference. 

Requested Resolution : I am requesting that XXXX, TransUnion, and XXXX remove the above-listed accounts from my credit reports immediately. Additionally, I request confirmation of these actions and a copy of my updated credit reports. 

Complainant Information : Name : XXXX XXXX Email : XXXX Address : [ Insert Your Address ] Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX Attachments : FTC Identity Theft Report # XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene The Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Consolidated Credit Solutions to consolidate my debt and make payments on my behalf. I was falling behind and i did not want my credit to suffer. They told me they could help me. After i enrolled with them, they told me as long as i made my monthly payments to them, that they would make my monthly payments to my creditors. They did not do this. Instead, they. waited for me to finish paying off my total package to them, then they turned around and paid all my debts. Meanwhile, instead of fixing my credit, it made it worse than before because since they were not paying what they said they would, the debts were just showing up late on my credit report. I have tried to reach out to the company and they have been no help and now me and my fiance and XXXX XXXX  are struggling to get a home loan because of my credit score. They were supposed to help me and have really made my situation worse. And i have paid them IN FULL.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I live on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, I was born on XX/XX/year>, my social is XXXX, my phone is XXXX, my email is XXXX. Please update my information.
Product: Debt collection

My previous complaint included the following statement " In XXXX of 2022 Seventh Avenue reported to the credit bureau 's that I owed them {$150.00} for an order that was placed on their website. I had never heard of this website, did not order anything, and did not receive a package. When I looked further into it they had completely gotten my gender wrong by saying it was for a " XXXX '' ... .I 'm a female. It also was addressed to an address I haven't lived at for over 2 years. When I disputed this with XXXX, I also took the initiative to call the company and ask about it myself. I have a recording with a representative of Seventh Avenue 's billing department where they state that the issue has been looked at and will be removed from my account. It is now saying that it is my debt and is continuing to impact my credit. I have been lied to and mislead. Upon looking at other reviews it looks like this is a common tactic that the company uses to force people into debt with them. This company needs to be investigated. '' They claimed that they sent me an affidavit, which I never received. They have not even attempted to contact me in any other way. My credit continues to get hit and lower from these late payments. I need a resolution. THIS IS NOT MY DEBT
Product: Credit reporting

I have an item on my credit report that does not belong to me. It says the status is closed, sent to collection for XXXX dollars. Says customer unable to locate consumer. I 'm XXXX military and have lived at this address since 2002. Same phone number, etc.
Product: Credit reporting or other personal consumer reports

I am a survivor of human XXXX, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.
Product: Checking or savings account

I have been communicating with Chase customer service staff since late XX/XX/XXXX about suddenly excessive overdraft fees and the timing/placement of the cleared transactions. I also contacted them about the fact that : - despite banking with them well over 25 years and actively using their mobile push and email alerts as a means of managing my account for at least 7 years, all of a sudden the alerts STOPPED coming to my phone around the time the overdrafts were hitting - I wouldn't get email notification until a FULL 24 hours AFTER the overdraft occurred - All of my recent messages sent to Chase about this issue were suspiciously deleted by them less than 30 days after being sent, when their policy is to delete messages of 90 days or older. 

I use the alert system to prompt me to make transfers before the fees hit ( by XXXX XXXX the same day ). I have been using this for YEARS with minimal issue. But since XX/XX/XXXX, the alerts have been nonexistent EXCEPT for AFTER the fees hit and ONLY if I log into the Chase app which by that point, its too late. 

I have requested several courtesy reversals Several times, because its quite obvious that something is going on internally with them as a means of increasing their fee income. They have taken HUNDREDS of dollars in fees since XX/XX/XXXX and I keep getting canned responses and overall indifference about this issue. They take fees causing a bigger negative balance, for which they can collect EVEN MORE fees. Completely predatory. 

As you all know, this behavior has been a decade-long issue with many commercial banks, and have resulted in more than a couple of class actions as a result. 

I have attached screen shots and the recent messages between myself and customer service. These are the only ones I could access since the others were deleted by them from ALL of my accounts.
Product: Student loan

My loans have an extraordinarily high interest rate and I am not able to refinance them.
Product: Credit reporting or other personal consumer reports

I've mailed a dispute letter to Equifax after I've noticed several accounts and information that's reporting to my consumer report without my consent and which is also inaccurate or invalid. Equifax is reporting an account that doesn't belong to me and reporting under multiple violations. How are they reporting a debt if there aren't any agreements by me to report it? How can I owe a debt if me and the creditor never had any existing agreements on a balance in order for this debt to occur? I have no knowledge of this company reporting this account in which Equifax should be able to see that we haven't agreed on anything. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account shouldn't be reporting.

Violations committed : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Debt collection

THIS DEBT COLLECTION AGENCY NATIONAL CREDIT SYSTEMS IS REPORTING/SUBMITTING FALSE INFORMATION TO XXXX. I CALLED THE AGENCY AND SPOKE TO A REPRESENTATIVE WHEN I SAW NATIONAL CREDIT SYSTEMS REPORTED ON MY CREDIT. THE REPRESENTATIVE I SPOKE TO AGREED TO MAIL A LETTER AND EVIDENCE PROVING THE ALLEGED DEBT IS MINE HOWEVER THE WOMAN NEVER SENT ANYTHING. FURTHER LOOKING INTO WHAT IS BEING REPORTED ON XXXX I SEEN THAT THE DEBT COLLECTION AGENCY IS REPORTING LATE PAYMENTS DURING MONTHS ( XXXX 2017 ) THAT I HAD NO SERVICE OR RELATION WITH THE ORIGINAL CREDITOR AS WELL AS AN INCORRECT BALANCE OF XXXX ( WHICH SHOULD BE NO BALANCE ). UPON DISPUTING THIS INFORMATION THIS AGENCY STILL HAS NOT CEASED ON REPORTING FALSE INFORMATION AND HAVE NOT REMOVED/DELETED THIS INFORMATION FROM MY CREDIT REPORT WITH XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with TransUnion, XXXX  and XXXX  on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the FCRA you are in violation of reporting late payments on my credit cards 15 U.S.C. 1666b timing of payments XXXX XXXX XXXX and XXXX XXXX XXXX credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$11000.00}
Product: Mortgage

we filed a chapterXXXX, 5 years ago, which was discharged XXXX XXXX, 2015. Our mortgage was independent of the Chapter XXXX. For those 5 years we paid our mortgage on time and found out recently Chase Bank never listed those payments at the credit bureaus, thus, we have a bad credit rating. All our payments for the last five years are up to date. Somehow Chase listed our bankruptcy as at Chapter XXXX, which we were never in. Our attorney contacted them a couple of months ago stating this should not have happened, ( documentation attached ). He along with us has contacted the bank on numerous occasions to no avail. Also we did have a equity line which was written off in the chapter XXXX because we were under water in our mortgage. when we filed our income taxes they sent us XXXX coded as a F ( agreement ) instead of a A ( bankruptcy agreement ) which our lawyer said we should not have received because this was equity was discharged in the bankruptcy by the court ( documentation attached ) and Chase coded it wrong as if it were a Chapter XXXX instead of a chapter XXXX. All of our other bills have been cleared through the Chapter XXXX and correct on the all three credit bureaus except Chase Bank. Our interest rate has been high XXXX and we would like to get into the Harp program, but our credit is bad because of Chase making a mistake. Can you please help us. We have made our payments on time and may have been late when my spouse was on strike but all payments are presently up to date for the last five years. We need this corrected at all XXXX credit bureaus, so we can go forward with our lives.. Can you please help us to correct this situation, we purchased our house at XXXX now on worth only XXXX. Thanking you in advance for investigating this unnecessary and hurtful situation. XXXX bless.