23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. 1692 XXXX  account # XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 States : That a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus continue to report a bankruptcy on my credit report. The information is inaccurate and I can not get it deleted. I have attempted to dispute with the three major bureaus, they pass me to the data furnisher ( XXXX ) XXXX XXXX then passes me back to the court, the court refers me to the credit bureaus. 

It is a horrible circle and very frustrating. I just want the bankruptcy and accompanying erroneous information about me deleted. The XXXX was never filed, yet they continue to report that it was on my wife and my credit reports. 

Please help us.
Product: Mortgage

Hello!  In XX/XX/XXXX, I applied for a loan modification at the encouragement of Ocwen to assist with lowering my mortgage payment.  I was told I would have to do a trial period from XX/XX/XXXX to XX/XX/XXXX, which I completed successfully.  After this, I was told I would received permanent loan modification.  It took 3 months for Ocwen to send me the new terms and conditions of the loan, which had to be notarized.  I completed the paperwork and sent it back.  2 months later (in XX/XX/XXXX), I received a phone call indicating that the paperwork was rejected due to the co-borrower not signing (my ex husband).  I was very upset by this because my ex husband and I have been divorced XX/XX/XXXX.  He signed a quit claim deed back over to me and I sent that, along with my divorce decree to Ocwen the year we divorced.  I think the mortgage company was GMAC at the time.  Regardless, I resent the quit claim deed and Ocwen was able to find my divorce decree.  At this time, I contacted the Ombudsman through Ocwen.  They offered to have a notary come to me to resign the paperwork.   The notary came to my work and I completed the paperwork and then received a call a few days later that it had been rejected due to not signing correctly.  I was told that I needed to sign the paperwork with my married name, and then aka with my current last name, as it appeared on my quit claim deed.  The notary who came out initially was given the wrong direction and while meeting with me, called for clarification.  When this was rejected, I received another call from Ocwen and they sent another notary out to my home. This was on XX/XX/XXXX.  While there, she wanted me to sign the paperwork with my legal name and no aka.  I told her no, that was wrong, but she didn't have any further instruction.  After she left my house, I received a phone call from the title company who sent her and I let them know what happened and they called the notary back to my house and I signed the paperwork the way I was supposed to.  3 weeks later, I receive a phone call from Ocwen, and they tell me that the paperwork was rejected, as of XX/XX/XXXX, and I need to have the co-borrower sign!  They are referring to my ex husband and here we are back to square one.  I am going in circles with them.  I almost had XXXX on the phone with them and immediately called the Ombudsman again.  I am waiting for a call back now.  I am so frustrated because this has affected my credit score, as Ocwen is reported my account to be delinquent, as this has not been updated to the credit bureaus.   I have a 592 credit score because of them and there is absolutely nothing I can do, which is why I am reaching out to you.  If there is anything you can do to expedite this and to right the wrong they have done with my credit score, I would appreciate it.  I am a hard working person, I don't qualify nor want any state aid.  I have a good job.  I just fell behind due to my divorce.  This modification is taking 9 months now.  This is so unfair.  I couldn't even get a loan or refinance if I wanted to.  Please help.
Product: Debt collection

on XX/XX/19 I was contacted by Credit Protection Association L.P ( CPA ) using an automated robo call.  The call itself was news to me since I had not received any notification in the mail of any debts owed. The call was also highly suspicious due to there being 1+ minute long pauses in between information being said. 

I called the number back and found out that XXXX XXXX had sent my account to collections. After I found out the information I needed to I told them not to contact me again or I would take legal action. 

I immediately called XXXX XXXX to ask what was going on, since I had an agreement ( or so I thought ) and payments were being made each month to pay down the balance. At this time I also paid the balance off in full directly to XXXX XXXX and requested a letter that showed this. The letter was sent the following day on XX/XX/19. 

I followed up with CPA telling them that there was no longer any money owed to XXXX XXXX, and that I am requesting that they remove all information they have about myself from their system. The refused. 

I spoke to someone in client services at CPA and was told they would call XXXX XXXX right now to confirm the payment and would call me back, neither of those things happened. 

A few days after the 24th a letter finally arrived notifying me of the debt, which at this point had already been paid. I disregarded it as I was still waiting at this point for the woman from client services to call me back and I had a letter from XXXX XXXX telling me it was paid. 

Fast forward to today XX/XX/19 and I have received a second letter from CPA identical to the first. The first one is dated XX/XX/19 the second XX/XX/19, They send a second letter to me before I even received the first one.

So I called CPA back to speak to someone about why they still have my information in their system and why they have sent me this second letter that they sent out a day after the debt was paid. I asked to speak to a supervisor and they transferred me to a phone line that rings once and then just stays open on the other end. This happened to me 4 times. They had no real intentions of dealing with this situation. 

I finally got a hold of a supervisor name XXXX, who I have spoken to before. Instead of giving me any answers he just referred me to their legal department ( as he had done previously ). However from the first time I know that their legal department is just one person named XXXX. When transferred to her it always goes to voicemail. 

Today I was able to get a hold of XXXX I had the operator keep me on hold until she could get her for me. XXXX however did not want to answer questions and told me that I should be worried about paying my bills on time. This was quite rude as she does not know what has or hasn't happened with my bills. She then told me that my Girlfriend left me and that I was destitute, again XXXX doesn't know anything about me so why would she say that? I asked for her bosses name and she refused.
Product: Mortgage

On XXXX XX/XX/XXXX I emailed a copy of my Tax Exemption certificate to AmeriHome 's Tax Exemptions Department. The same day ( XXXX XXXX ) I received a notification that the document was received. 

On XXXX XX/XX/XXXX I contacted the Tax Exemptions Department of AmeriHome Mortgage to verify they did not need any additional information and to inquire about my mortgage bill and how to proceed when the first payment was due ( Payment was due XXXX XX/XX/XXXX ). I was assured that my paperwork had been received and that it would be processed and that I would not need to make payments until the bill has been corrected because I could wait to make my payment up until XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, I received an email stating that the documents I sent would be sent to the Tax Department. 

On XXXX XX/XX/XXXX I again contacted AmeriHome to inquire about the status of the tax exemption, as my first bill due date had just passed. I was again told it was being processed and that it should be completed/updated by XXXX XX/XX/XXXX and that I could wait to make payments. 

On XXXX XX/XX/XXXX I made contact with the Tax Exemptions department of AmeriHome to follow up, as my bill was still showing the incorrect amount due. I was told that my tax information was being processed and that they had to verify the information with the Tax Assessor 's  office. When I requested additional information about when to expect this to be completed and whether or not it would be before my '60 day grace period ' had expired, I was told they had no further information and to just wait or pay the full amount. 

On XXXX XX/XX/XXXX I made contact with AmeriHome Tax Exemptions office and again inquired on the status of my tax exemption and billing update. The representative refused to give me any further information or to give me any estimated timeframe for this to be corrected. 

On XXXX XX/XX/XXXX, I submitted the full billed mortgage amount, which included the tax amount, as I did not want to fall behind on payments, requiring 2 months ' payment all at once by mid-XXXX. 

On XXXX XX/XX/XXXX I contacted AmeriHome Tax Exemptions office, as I am now in receipt of a letter and a paper bill stating that I am Past Due on my mortgage. I was placed on a hold and then told that my exemption status was being reviewed. Prior to contact with AmeriHome, I contacted my County Tax Assessor 's Office. I was reassured that if AmeriHome had contacted them, they would send the information, but that the only information they had for them was the letter that I had already submitted.
Product: Debt collection

I am filing this complaint because Midland Credit Management ignored my request to provide me COMPLETE documents - specifically the contract I signed obligating me to this alleged debt. Or how about the proof of identity that I must have provided at the time of incurring this debt, as this company is required to obtain this identification per the Patriot Act. 
Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Mortgage

XXXX XX/XX/2021, I submitted a complete loan modification application with XXXX c/o PHH Mortgage Services ( Ocwen ) and XXXX confirmed receipt thereof ( see attachments ). On XX/XX/2021, on a telephone call with Mr. XXXX XXXX ( my assigned single point of contact ) was told by Mr. XXXX that my loan modification application had been approved and loan modification paperwork requiring my signature would be mailed out within the next several days. As of XX/XX/2021, I have NOT received said promised loan modification paperwork and my home is set for a foreclosure sale date of XX/XX/2021. I am a CA homeowner who along with my family been impacted by COVID and I have been trying struggling with XXXX to complete my promised loan modification and keep my home. If the XX/XX/2021 foreclosure sale happens, my family and myself will be homeless. XXXX acts above the laws ( California Homeowner Bill of Rights, and Federal laws and mandates ) that protect me as a homeowner. During this entire loan modification process, I have had an ACTIVE foreclosure sale date hanging over my head. Large amounts of people have been at my home due to the XXXX foreclosure sale endangering my self ( I have underlying medical issues ) and my family ( below the age of vaccination ) health and possible lives. Dual tracking is clearly what XXXX is doing and has not been held accountable for it/s unlawful actions. Single Point of Contact - Mr XXXX ; I cant get a hold of him unless I make a 2 week in advance appointment with him. Further, Mr. XXXX speaks with a heavy accent which makes it very hard to communicate with him. XXXX keeps adding unauthorized fees and has placed forced insurance on my home all the while increasing my balance. XXXX has not offered my any information concerning avoiding foreclosure. I have continued to call XXXX requesting them for my approved loan modification paperwork and I get no response. My house is set for a foreclosure date of XX/XX/2021, during XXXX season - what company does that? 
I want to keep my home, please send me my approved loan modification paperwork.
Product: Credit card or prepaid card

I request that the late payment be removed from my account as I have consistently made on-time payments for this account. It is unacceptable to see this inaccurate information on my account. I have provided the necessary documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX XXXX has appeared on my Transunion account without my knowledge or consent and it needs to be removed. I have contacted transunion in regards to this and no action has been taken. I do not know who this account is or why it has appeared nor did I give consent for it to be displayed on my Transunion Consumer Report.
Product: Money transfers

On Monday XXXX XXXX I attempted to transfer XXXX from my Wells Fargo savings account To my Wells Fargo checking to cover a check I had written on Sat XXXX XXXX. Wells removed my XXXX and applied it to a Wells XXXX creditcard account with " XXXX '' balance. XXXX at credit services states that my money will not be transfered back to my checking account for approximately 30 days while research is being done, due to the large amount. Meanwhile the check written on the XXXX was covered by overdraft, to which I will be charged fee 's. XXXX ( XXXX XXXX wells customer care case # XXXX ) confirmed they will not return money until researched. 
they were able to remove the money immeditely but now want to hold for THEIR benefit.
Product: Mortgage

My mortgage was sold to Select Portfolio Servicing and it has been modified at least twice and I was told that my final mortgage payment was due in XX/XX/year> at which point a balloon payment of {$50000.00} would come due. I asked for them several times to please send me a new amortization schedule and they did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus, XXXX, Equifax, and XXXX  have misreported information on my credit reports that should be removed immediately. XXXX XXXX I submitted dispute documents, drivers license, and social security card to all three bureaus to have information deleted or removed ( see attached files, also notarized ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX so I was looking to get a house as well as loan and i saw i had damages on my credit report. I have numerous unauthorized charges and I have tried to get these issue resolved as they are affecting me. I am a single mom and this is hurting me big time I am not able to accomplish anything because my credit report has so many damages. According to the 15 U.S.C 1681 law there should not be any damages on my credit report as a defamation to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to follow up the previous Complaint I submitted last XX/XX/XXXX, as well as the Dispute letters I sent on XX/XX/XXXX. I believe that the Credit Reporting Agencies are not actually doing their job XXXX have became negligent of the Federal Regulation. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that the consumer identifies as an item resulting from the Identity Theft. I am requesting to the Credit Reporting agencies to please remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$6700.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Once again, if the Credit Bureaus would claim that the disputed items are verified and belongs to me, I need the Credit Bureaus to send me copies of proof of verification, proof of ownership, or any documents bearing my signature to support the Credit Bureaus claims. Failure to present me documents I seek must result in immediate removal of the items in dispute.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


1. XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

This company said I owed XXXX XXXX for an account that I closed a year and half ago. 
i contacted XXXXXXXX  and they tell me no money was owed and no records. 
I was being chared XXXX XXXX XXXX on a auto pay credit card and when I called to ask them why they said i wasnt them and had no record of any debt owed and suggested I report it as fraud and checked with another deptment in XXXX who stated the same thing. 
they said there was no debt owed and report it as fraud. i got a letter from a collection agency that said I owed XXXX and I asket them to dispute this and they didnt and just put it upon my credit report without giving me any chance to validate who they are or if this is legit and what its for. I have worked very hard for credit and this just detroyed my rating and canceled one of my credit lines and lowed the limit on others. thia is wrong. 

Send any written disputes to us at : Credence Resource Management , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We paid all the dues regarding the rent for our apartment before moving to a different condo. We got the receipt as full and final settlement from the estate manager of the apartment complex. IQ data international contacted us as the collection agency of the apartment complex and we have explained and provided the documents. Still they have reported this as debt to credit agencies resulting in impacting my credit report and score negatively. Despite reporting the credit agency and disputed the debt, it is still showing up. IQ data is not taking any action to withdraw the debt.
Product: Credit reporting

EQUIFAX lists the following address:XXXX , TX XXXXThis has never been my address and I have never used this address. 
My XXXX credit card was hacked in XXXX, 2015, and I believe this address was reported at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with XXXX, XXXX and Experian and they have failed to provide me relief. 

I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. 


Pursuant to 15 U.S. Code 1692e.False or misleading representations US Code 1692 notes that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX and XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX all have filed profit and loss statements pursuant to the IRS they should have administered a 1099-C. Which in turn means they were paid for the alleged debt. When did credit reporting agencies start reporting income? 


I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. 

XXXX BANK XXXX XXXX I The reporting of these accounts are also violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

Pub. Res., No. XXXX Requiring payment in gold/coin/currency against public policy and shall be discharged, XXXX XXXX eliminates ability to pay debts and allow discharge, 31 USC 3123g Ovt obligated XXXX