23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

So my grandmother passed away in XXXX of XXXX and she had insurance title insurance home mortgage everything and because of family members lying and doing fraudulent activities I wasn't informed until the property being foreclosed until 2 days prior and when I asked they kept telling me they couldn't inform me because I wasn't verified and next thing you know the house is a foreclosure and when I verify that I am success or interested in tell them that my mother passed away so I was next to XXXXXXXX XXXX XXXX and that my cousin 's weren't they apologized and they said they would inform me about you know what was going to happen okay about a month later they informed me that I was approved for loss of the nation and I was only successor and interest but because my aunt did what she did the house I went for foreclosure and new rest Shell point they informed me had nothing to worry about but now the lady that the highest bidder has been threatening me coming by and she also put a judgment on me to where they're supposed to be coming to take me and my kids property and when I look online she is using my grandma 's from XXXX was paid off so she inherited my property from my grandmother which me and my grandmother didn't know who she was and because of this we're losing our home and my kids and I keep trying to find lawyers or someone to help and I can't find anyone to help I asked for a lawyer and I was denied and they gave me less almost maybe almost 2 weeks to move out since we've been here since XXXX I have XXXX kids and they gave me not even 2 weeks is there anything I can do for anyone that can help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to remove my fraud alert and security freeze temporarily for 3 months, Please send me the pin to lift the freeze.
Product: Mortgage

Ocwen is my mortg. company that just in at best, the past 5yrs to date, I have had countless issues, paid my own way through escalated foreclosures that I had to hire an attorney as well as was awarded a very small " award '' & acknowledgment from the government 's Independent Foreclosure Review Board for their illegal practices that are still continuing today, XX/XX/XXXX. For over a month I have been yet another victim to their many tactics. XX/XX/XXXX, I contacted Ocwen regarding various mortgage options avbl. to me & the requirements for them to send me the modification packet as I requested. For the next month, as I followed up every week, Ocwen stated they never rcvd. the authorization from my attorney to discuss my acct., as required. After that point, my Atty faxed another letter on XX/XX/XXXX. Ocwen stated it takes 2-3 days to update receipt of paperwork so when I folliwed up XX/XX/XXXX, Ocwen stated my Atty. neglected to put my case # on the authorization that was faxed. They & my Atty. we 're immediately contacted to clarify & rectify the situation yet Ocwen insisted they still could not move forward until a new letter with the case # was faxed by my Atty. I followed up with both parties every 3 days & after speaking to Ocwen Monday of this week & after having choice words with my Atty, I was provided w/ a copy of the XX/XX/XXXX letter they faxed to Ocwen that low & behold, has all the info. I was instructed by Ocwen needed to appear, including the case #! On XX/XX/XXXX, When I confronted Ocwen with my Attys. proof of the letter, I was then told, yes, it dies have the case # they spent a mth. was not included, but now stated the wording in the authorization also did not suffice, prompting my Atty to have to submit yet another letter faxed XX/XX/XXXX. Ocwen has instructed me to check back w/ them on XX/XX/XXXX to confirm their receipt of the letter & see if it allows me to receive the modification documents as I requested.
Product: Debt collection

agency posted against my credit report with no prior attempts at contact. Reported against XXXX different bureaus using XXXX different names " ONLINE COLLECTIONS XXXX '', XXXX and " ONLINE IN XXXX '', XXXX. 
They reference an original creditor, " XXXX XXXX XXXX '', with an account open date " XX/XX/XXXX '' and last reported date " XX/XX/XXXX ''. 

I have not lived in Florida since XXXX. 

After disputing the claims against my credit report, one of them dropped off on XX/XX/XXXX, 7 days after I filed the dispute. The agency then proceeded to re-post the same thing against my report again, today on XX/XX/XXXX. 

While it 's possible that " XXXX '' may have sent " bad data '' to this agency or someone may have used my information to open this account, that is all irrelevant as they have violated the law by failing to contact me, in writing before making any claims against my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I have reached out to the FTC and to my local police department and have been doing this on my own behalf. I went and look at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit card

Earlier, I filed a complain regrading how amex issue and authorize me for two XXXX XXXX platinum cards. After signup for both, I was never able to access the account that I never used that card myself being totally unaware, was decided to be charged for the annual fee. I paid the remaining balance which my roommate made purchases with ( without my knowledge ). When I updated and informed them with that. They still decided to charge me the annual fee keeping the so called " balance ''. I have decided that I'm NOT going to pay that annual fees as is it totally unfair practice on the amex side. I've never had balance on ANY of my cards ever. But today, I had it all, I tried using my other cards which were ALWAYS paid on TIME ( AND NEVER MISSED A SINGLE PAYMENT ), it got declined saying I had balance on some account. 

So moving forward, I am writing this to you CFPB, if you are so called decision making authoritative organization. If you have any power try to reach them out any get it resolved, if not I won't be paying any balance on any amex card and would NEVER be their customer! THANK YOU!
Product: Credit reporting or other personal consumer reports

Ive identified hard inquiries on my credit report that were not authorized by me. In accordance with 15 USC 1681c-2, I request these be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX 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 XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Complaint Against : Company Name : Consumer Financial Services ( CFS ) Account Number ( Last XXXX Digits ) : XXXX Date Opened : XX/XX/XXXX Issue Summary : I am disputing the way Consumer Financial Services ( CFS ) is reporting my auto loan account on my credit report. The account has been charged off since XX/XX/XXXX, yet the balance has significantly increased, which is inaccurate and unfair. 
1. Balance Discrepancy : My original loan amount was {$7900.00}, but my current balance is {$16000.00}, which is more than double. 
The company has charged off {$7600.00}, yet they continue to report a balance due that exceeds the original loan amount. 
I have not made any recent payments, so the balance should not have increased.

2. Credit Reporting Issues : The account is still being reported as charged-off each month, which is negatively affecting my credit score.

According to FCRA ( Fair Credit Reporting Act ) guidelines, charge-offs should not continue to be updated monthly in a way that continuously harms my credit. 
The account is scheduled to remain on my report until XX/XX/XXXX, but the ongoing reporting practices are making it more damaging than necessary.

3. Request for Resolution : I request that CFS provide a detailed breakdown of how the balance increased to {$16000.00}.

If the balance increase is due to unlawful interest or fees, I request that it be adjusted to the correct amount. 
If the account was charged off, the continuous negative monthly reporting should cease. 
I request CFPBs assistance in investigating this matter and ensuring that my credit report reflects accurate and fair information. 

Supporting Documents : I have attached screenshots of my credit report showing the account details, balance, and payment history to support my claim. 
This account was deleted off of XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Account Portfolio Rc disputed XX/XX/year>. No updates received.
Product: Credit reporting or other personal consumer reports

XXXX am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-ott. The account in question Is listed as tollows : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should onlv be reported once. corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following information on my file. This item, XXXX XXXX Credit Card Account # XXXX is inaccurate because the account was opened on XX/XX/XXXX, not XX/XX/XXXX. I am requesting that the item should be updated as it is affecting my credit.
Product: Checking or savings account

On XX/XX/XXXX, My bank ( Key Bank ) recently charged me fees ( {$15.00} on 4 occasions totaling {$60.00} ) associated with excessive transfers/withdraws from my savings account. When I reached out to them to see if there was any way they could be revrsed since I was not aware of these restriction on my account, the representative falsely said, " Those fees are federal regulated fees and are unable to be waived. '' But according to my research, Regulation D was waived in XXXX. XXXX and at least in the interim, was left up to individual banks discretion. After I pointed this out to the representative through an informed back and forth, where he repeated that this was federal regulation and there was nothing he could do, he ( XXXX XXXX changed his tune and admitted that it is in fact an institutional decision. At which point I asked to speak to his manager.

The manager waived the fees as a " courtesy. '' So I managed to get out of this situation... but I wanted to file this report as a record of Key Bank 's misconduct misleading consumers about what is and what is not federal regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Debt collection

Subject : Demand for Strict Debt Validation and Proof of Assignment To Whom It May Concern, This is a formal request for full debt validation and legal documentation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Please note : I do not acknowledge or accept any responsibility for the alleged debt referenced in your communications and credit reporting. I am exercising my legal rights to request strict proof of your authority to collect and report this account. 

You are required to provide the following : XXXX. A complete chain of assignment from the original creditor to your agency, including the original assignment or purchase agreement. 
XXXX. A copy of the original signed contract or agreement that specifically links me to the alleged obligation. 
XXXX. A detailed breakdown of the full amount claimed, including itemized charges, interest, fees, and any payments. 
XXXX. Proof that you are licensed and authorized to collect debt in my state, including your license number and issuing agency. 
XXXX. The exact name and address of the original creditor, along with the full history of the account from inception to present. 

Legal Basis : - 15 U.S.C. 1692g ( b ) : You must cease collection activity and credit reporting until validation is provided.

- FCRA 623 ( a ) ( 1 ) ( A ) : You may not report unverifiable or inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Validation requires substantive evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Collectors must conduct a meaningful investigation.

The account in question is listed as follows : HARRIS & HARRIS LTD XXXX Communications Account # : XXXX Amount : {$410.00} If you are unable or unwilling to produce the requested documentation, this constitutes your admission that you lack legal standing to pursue or report this account. In such case, I demand immediate cessation of collection efforts, removal of this item from all credit bureaus, and written confirmation that no further action will be taken. 

Any further reporting or collection attempts without proper validation will be considered a willful violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General. 

All future communication must be in writing only. Phone contact is not authorized. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor, Bank of America, has violated my rights XX/XX/2023. Under 15 USC 1681 section 602 states I have a right to privacy. 15USC 1681 section 604A section 2 it also says a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer and credit plan as late for any purpose.
Product: Bank account or service

On XXXX XXXX, XXXX, the State of California Franchise Tax Board ( FTB ) Vehicle Registration Collections placed a levy on my checking and savings accounts at US Bank. The FTB took {$260.00} from my checking account and US Bank took an additional {$100.00} from my checking account as a " levy fee. '' The levy should never have been taken because I did not have any delinquent vehicle registrations. The FTB was ignorant to the fact that the vehicle in question was purchased from me by the State of California in XXXX under their Vehicle Retirement Program. I spoke with the FTB yesterday and they agreed to release the levy and put the {$260.00} back into my checking account. However, even though US Bank is aware of the fact that the levy was invalid, US Bank is still refusing to refund me the {$100.00} they took as a levy fee. I know that the law provides remedies for situations like mine where the state and my financial institution have raided my private bank account under the pretext of a delinquent vehicle registration collection program. I would like to pursue every legal remedy to recover for my damages.
Product: Credit reporting or other personal consumer reports

For the last XXXX  days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, XXXX, and Experian. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have XXXX inquiry on Experian, and I have XXXX inquiries on XXXX and XXXX as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The XXXX following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the XXXX following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last XXXX  days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, XXXX, experian ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, XXXX, Experian** XXXX XXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a XXXX  day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these XXXX items off all XXXX bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, XXXX, Experian** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to my understanding of FCRA 605B, we need to remove any inaccurate accounts from my credit report. Can you check the documents? There are inaccuracies in the reporting, amounts, and dates of some listed accounts.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I received a notice from " the Administrator for U.S District Court, XXXX XXXX, XXXX, Oregon XXXX XXXX. 
It stated that I could receive a cash payment from a Class Action Settlement against Wells Fargo Bank. The notice listed : Loan # ending in : XXXX, Loan Date : XX/XX/XXXX, Borrowers XXXX XXXX XXXX and XXXX XXXX XXXX, Vehicle XXXX XXXX XXXX, VIN ending XXXX. 
CPI Class Action Settlement Tracking Number : XXXX I emailed XXXX XXXX and she responded that Wells Fargo had started sending out refund checks and I should receive mine, Middle XXXX. Didn't come, so emailed again, should have check by end of XXXX. " ABSOLUTELY NOTHING '' Contacted FDIC to file a complaint, they referred me to the CFPB, therefore this complaint. Not my first rodeo with Wells Fargo, not paying me or a Class Action Lawsuit that they lost.
Product: Money transfer, virtual currency, or money service

2 payments of XXXX $ USA totaling XXXX $ were sent to account. XXXX XXXX XX/XX/XXXX, the send in XX/XX/XXXX The payments were later found to be fraudulent in the event, and I was not able to receive my money back when setting up an investigation. I called the claims department via chase my banking institution, and the person on the phone made the entire conversation lean towards the sounding of scam event, rather then a fraudulent event, I believe so that they could put it down as record to deny my case. 

I documented the entire phone call for my own records, and I notified the person on the phone I was doing so, I informed them that once the call was over I would call again to insure they actually submitted my claim. 

After which I called again, to verify if my claim was submitted successfully by another agent. The agent informed me it had been and a decision was already made and my case was denied and closed instantly. I did not receive any notification, any information on the decision as to why the decision was made etc. this happening less then 30 minutes after 1st contact with my banking institution chase.
Product: Debt collection

A notice was sent to me on XX/XX/XXXX by Columbia Debt Recovery ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Original creditor XXXX XXXX date opened XX/XX/XXXX in collections amount of {$410.00}. This is not my debt, I dont know where this place is but Ive never been there.