23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

First of all good morning and thank you for taking the time to help me. My issue is with Ocwen, who is a debt collector, supposedly working on behalf of a XXXX XXXX. I know with certainty the product is not regarding a mortgage, though that is what I have been led to believe all along, so am choosing the " mortgage '' option as a default. The product sold to me is more like an installment loan with patents, copyrights and trademarks behind it but that is not what my complaint today is about. 

Regardless of what the underlying instrument actually is on the " mortgage '' account in question, I, a woman, have been trying in good faith to settle the account for quite some time now. Not only is this debt collector engaging in unfair and deceptive business practices, but they also leaked an internal email to me clearly showing collusion and collaboration among their employees and outside counsel. I made a monetary offer to settle and the internal employees ganged together saying this would not be an option and the account in question would accelerate to foreclosure if I did not accept the unsolicited modification they offered me - is n't that like the XXXX asking for a protection payment or something? Sure, the world of debt collection is a dicey proposition but this seems to reach above and beyond fair debt practices. 

I am a reasonable woman, looking for a reasonable solution. I am not interested in more chicanery and deceit with Ocwen or its affiliates. 

I am also attaching a letter from an independent auditor regarding the instrument in question. This may or may not be useful in your investigation of this matter. 

Thank you for your time. I really appreciate it.
Product: Vehicle loan or lease

One Maine financial has lied to me since XXXX causing overdraft fees and saying they will reduce my loan. I have XXXX and each time I have to explain my situation and get told something different.
Product: Credit card or prepaid card

On XXXX XXXX I decided to buy an pohne XXXXXXXX XXXX XXXXXXXX as a gift for my mom for XXXX XXXX. I decided to pay installments with my apple credit card. I paid {$100.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I paid off the current balance of {$380.00}. On XX/XX/XXXX I received a charge for the first installment of {$54.00} which I paid the card again with {$200.00} more and they received the money on XX/XX/XXXX. I kept making payments on time at the end of the month to avoid charges on APR. On XX/XX/XXXX I paid off the balance plus I paid {$500.00} towards the installment. On XXXX I contact them because with all the money paid I realized they were charging me more and the amounts did not match. They had me on the chat until 2 am and then they closed the chat. On XXXX I contacted them again and spent 4 days telling them if was their mistake because the amount they think I owe is not true. At the end they hung up saying that I owe what is says. Today I contacted them again, and the problem continues. 

If I financed {$1200.00}, and I have already paid 9 months of {$54.00} since XX/XX/XXXX that means I have paid {$480.00} so far plus adding the {$500.00} I paid in XXXX that is a total amount of {$980.00} If you calculate : {$1200.00} - {$980.00} = {$310.00} ( this is the total I owe them to pay off the phone ) and not {$430.00} as they keep saying. 

I feel they never applied the proper charges to the account making a mess and are making me pay more. On XXXX I sent a letter with all the statements and payments because they did not want to provide their name on the chat and deny to provide a fax number and emal to send the papers. I do not feel I owe more money and if they made this worng. it is their mistake and their problem. I am havign track o what I have paid and they do not want to listed. I feel they are overcharging more money and even if they say I did not paid until XX/XX/XXXX which is not true, I still do not owe more money.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and 60 days late in both XX/XX/XXXX and XX/XX/XXXX. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXXam submitting this formal complaint against TransUnion and Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included an account from XXXX XXXX XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 

Violations 1. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law. 2. FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ( a ) ( 2 )
) Permissible Purposes of Consumer Reports A consumer reporting agency can not furnish my report to a third party without my written consent, which I never provided to XXXX XXXX XXXX.

3. 15 U.S.C. 1666B Creditor May Not Treat a Payment on an Open-End Consumer Credit Plan as Late for Any Reason The reporting of this account as late is in direct violation of this statute, which prohibits creditors from treating a payment as late under an open-end consumer credit plan. 

Please investigate this matter and take appropriate action against these credit bureaus for their failure to comply with federal consumer protection laws. 

Thank you for your time and prompt attention to this complaint. Please keep me informed of any updates regarding this issue.
Product: Debt collection

I checked my credit score and there was a debt listed that I owe Bank of America over {$3000.00}. I sent a debt validation letter requesting proof that I owe this unsecured debt. They failed to respond in the allotted time so I would like this debt removed from my account and from the major credit bureaus ( XXXX, XXXX, XXXX )
Product: Debt collection

REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Product: Credit card or prepaid card

Pnc bank is reporting that I have a core credit card with them with a balance for XXXX with them I have never opened this account
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY THIRD COMPLAINT! I DONT KNOW UNDERSTAND WHY EXPERIAN IS NOT DOING THIER JOB. WHY SHOULD I HAVE TO FILE ANOTHER COMPLAINT TO GET ANYTHING DONE. BOTH COMPLAINT I HAVE FILED THEY HAVE CAME BACK WITH A ROBOT ANSWER. WHO CARES IF IT WASNT ME XXXX XXXX I HAVE A DELETION LETTER FROM XXXX XXXX SAYING THE COLLECTION NEEDS TO BE REMOVE. WHY THE XXXX IS EXPERIAN GIVING ME SUCH A HARD TIME WITH THIS.. BY LAW IF THE COLLECTION SAID IT REMOVE THEN THE BUREAUS SHOULD HAVE TO COMPLY TO IT. I WILL NOT SAY THIS IF THIS IS NOT REMOVE I WILL SUE!!!!!!!
Product: Credit card

Bought TV from Best Buy some bank had the account for awhile and them was turned over to citiXXXX. was then charged XXXX they say for interest on a XXXX TV. I send then a check and put on there paid in full they honored the check cash it and then some time later say I still own then and of course adding interest ect. I wanted to record the phone call and they would said no. it was approved at XXXX time but I can not prove it. I tell them I will only communicate on email or text so I have prove. They are now calling up to XXXX times a day like yesterday which was Sunday. I told them to send my money back if this is not paid in full I am getting constantly harassed.
Product: Consumer Loan

I called Ally Bank on XXXX/XXXX/16 for a loan extension I was told it was accepted then from XX/XX/XXXX to date I have been getting collection calls from XXXX something more than 4 a day. I called Ally and spoke to US people three times over 5 hours on the phone with promise of call back and resolution never a call back. The on XXXX/XXXX/16 I posted this on Ally XXXX XXXX called from Florida and said she would call back and never did I left many voice mails. XXXX even asking to do a extension now never a call back
Product: Credit reporting or other personal consumer reports

I have checked my credit report and noticed several inaccuracies regarding late payments. These do not align with my usual payment habits. Kindly correct these errors and adjust my account information. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report, added without my knowledge or consent. These XXXX unauthorized accounts and XXXX inquiries were placed on my report without my permission. 

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 XXXXXX/XX/XXXX I have already submitted a report to the Federal Trade Commission ( FTC ) regarding the identity theft and am requesting the prompt removal of these fraudulent items to correct my credit report.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit card bill from Citi Bank national for the amount of {$3600.00}. I found out about this when they severed a court order XXXX XXXX XXXX. I 'd submitted an answer stating I do n't have any knowledge of this account. We went to court and XXXX XXXX Dismissed without Prejudice on XXXX XXXX, XXXX. It was not been removed from my credit report. I can submit the court documents if need be.
Product: Credit reporting or other personal consumer reports

The company is stating that I did not turn in my pool key and is therefore charging me an excessive amount of money. This issue is preventing me from being able to rent another apartment.
Product: Debt collection

Spring oaks capital called and said I owed for purchasing jewelry from a state I do not live in and I told the that it was fraudulent and to send me the paperwork on it but have yet to receive any information and I am still being called daily about this debt that's not mine
Product: Credit reporting or other personal consumer reports

they have an incorrect name on my credit report and i have asked them multiple times to remove it and they still havent
Product: Credit reporting, credit repair services, or other personal consumer reports

I am buying a home and Equifax is not reporting a credit score. I call several times and still no reporting. This is costing me alot of money and need some intervention.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which 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 remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX report is XXXX pages. My transunion report is XXXX pages and my XXXX report is XXXX pages. My reports are not accurate. I have multiple names and alias listed. I have dozens of addresses in states Ive never lived in. There are jobs and employers Ive never had. There is a bankruptcy showing. On one report its listed as a XXXX and on another report its listed as a XXXX, XXXX, or XXXX. There are auto loans shown as charged off or included in a bankruptcy that is not true. Both vehicles were repossessed and resold. I have no idea where they are getting this inaccurate information and they refuse to investigate. I have actual video footage of one of my vehicles being repossessed. There are many closed accounts from over 7 years still on my account to include several student loans I paid off now showing as transferred to another lender. I have tried to dispute this online and in writing to no avail. They refuse to investigate and delete these items. Another issue are late payments on a leased vehicle. The payment amounts are incorrect. I paid {$6000.00} in advance and the car company XXXX did not apply it to my account and reported non payment to the credit bureaus. I sent bank statements to all 3 showing the payments. I tried disputing it online. How is this legal? These credit agencies are ruining me. I am now unable to refinance my mortgage because my score is too low due to inaccurate information and hard inquiries I did not give written permission to make on my behalf. I am requesting that my credit report be investigated and updated.
Product: Debt collection

I applied for a XXXX XXXX XXXX Credit Card in 2004. I had a {$2500.00} limit. I was laid off and also was in a motorcycle accident and could n't work. I could not afford to make payments. XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX. I never knew I had a judgment on my credit report until they contacted my employer to garnish my wages 6+ years after the judgment was filed. McCullough, Payne & Haan, LLC is now handling the collection. The {$2500.00} now is over {$12000.00}. I have the judgment, garnishment paperwork, and a fact sheet to attach for a better understanding of what has taken place.
Product: Mortgage

In XXXX of this year LoanCare LLC took over the servicing of my mortgage after the bankruptcy of XXXX. The first statement from LoanCare showed an additional {$12.00} added to the amount I was supposed to pay and categorized as " Total Fees and Charges ''. There was no explanation as to what these fees were for. The amount continued to show up on successive statements. I continued to pay the mortgage amount that XXXX 's final statement indicated. 

On XX/XX/XXXX of this year I sent a letter to the customer service address indicated on the back of the statements. I have not received a response to this day nor has there been any effort on LoanCare 's part to resolve this issue. 

It was not my choice to have this company service my account. I had no choice in the matter. I feel that they are not honoring their commitments and are not dealing fairly. I think it's likely they are doing the same thing to other XXXX customers that had this situation thrust upon them.
Product: Checking or savings account

It is practically impossible to have a conversation with PNC call center people. I have called them 4 times today asking for a manager or supervisor on the call, but with no luck. Some of them hung up the call on me, some transferred to the wrong person, some refused to let me speak to a supervisor. I have no clue how many checking accounts PNC has opened under my name, and if any accounts has been opened at all ; I have no idea whatsoever. I received an email communication from a PNC executive office employee who I could not get in touch with, my emails and phone calls were not returned. All I know is PNC call center operators and executive office is unprofessional and arrogant. I want all my applications and accounts with PNC to be closed with immediate effect.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC XXXX CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX XXXXXXXX XXXX fraudulent account XXXX XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXX  XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution XXXX and Zelle failed to investigate my claims adequately.On or about XX/XX/year>, {$2000.00} was taken from my account and on or about XX/XX/year>, {$870.00} was taken from my account. XXXX and Zelle informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. I trusted my bank and Zelle to have top of the line security. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than XXXX days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained about unauthorized accounts to my consumer reports multiple times. I reviewed my consumer report and have seen they are still reporting and now an extra collection has appeared out of nowhere after disputing the current unauthorized account. This is blatant and willful violation of my consumer rights and my privacy. I have not given any consent to furnish any unverified information. This is heavily damaging my character and credit worthiness.
Product: Checking or savings account

FIFTH THIRD BANK NA, IT'S AGENT, REPRESENTIIVES AND OR EMPLOYEES COMMITTED FRAUD BY TYPING MY CHECKING ACCOUNT NUMBER ENDING IN XXXX, INTO XXXX XXXX ON THE DEPARTMENT OF THE TREASURY W9 FORM. 

PUTTING THEMSELVES IN A POSITION TO DEFRAUD ME OUT OF {$490000.00} INTEREST AND OR DIVIDEND INCOME PAYMENT SUBJECTING THE {$490000.00} TO FEDERAL WITHHOLDING INWHICH FIFTH THIRD BANK NA CAN CLAIM A NOMINEE OR MIDDLEMAN OWNERSHIP, RATHER THAN THE TRUE BENEFICIARY OWN, XXXX XXXX XXXX, SOLE MEMBER OF XXXX XXXX.
Product: Debt collection

Phoenix Financial reported an account on my credit report on XX/XX/2021. I had not received any documents from this company before they reported this account on my credit report. This is against the law! The company sent a settlement letter to me dated XX/XX/2021. See both attachments. You will see the date the account was reported on my credit report and you will see the date of the settlement letter, which is after the account was reported on my credit report. Again, this is against the law. A COMPANY CAN NOT REPORT AN ACCOUNT ON MY CREDIT REPORT WITHOUT FIRST SENDING A LETTER ADVISING OF THE ACCOUNT AND GIVING A XXXX  DAY PERIOD TO REQUEST VALIDATION. PHOENIX FINANCIAL DID NOT PROVIDE THIS LETTER THAT IS REQUIRED BY LAW BEFORE THEY REPORTED THIS ACCOUNT ON MY CREDIT REPORT.
Product: Debt collection

XXXX XXXX has been reporting to the equifax credit agency under the given account # XXXX for a " credit card '' in the amount of XXXX, the information provided prompted me to inquire directly with the company, and their response to me is that they acquired XXXX XXXX in 2003, and as of 2003, credit information related to XXXX ceased being reported to credit reporting agencies by the bank and that it appears that someone is false reporting this debt under the XXXX entity 's name