23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern, after going over my credit reports I found several issues. I have listed them below and asked that you please help me remove these inaccurate accounts. I have included my ID and social and an FTC report. Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Amount : {$25000.00} 15 usc codes 1681c 1681b 1666b 1692c 1605ai
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under Section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL be removed : 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

The company took more then 30 days to days to respond to my complaint which violates the standard set forth by federal law and the FCRA. A proper investigation did not take place. They failed to produce my written consent allowing XXXX XXXX XXXX XXXX XXXX to release my private information. I have no proof of contract with this company XXXX XXXX XXXX  # XXXX.
Product: Debt collection

Repeated phone calls from Ditech stating we need to contact them about a debt we owe. No one in our home has ever used Ditech or Green Tree and none of us have outstanding debts. I suspect they are using our information to try and find someone we 're related to, or an ex. Probably bought this debt from the last XXXX we reported for the same scam-type behavior.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Discover card thru my online account by chatting. I was upset about there high interest rate since I had a problem with them before. I was asking how I could close my account after I found out my balance and the account was clear. At the end of the chatting session I thought I was pretty clear I would call back at my convenience and close after I had physically paid off the account. The discover associate took upon himself to close my account anyway. I called Discover and talked to a Supervisor. He assured me he would look into the chatting session and return my call in a couple days. Never herd back from him and I am concerned this online customer service agent has access to my personal information and will use it in a negative or fraudulent way
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and XXXX  XXXX. 
I never sat across a table from any of the alleged creditors and XXXX  XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All alleged contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
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. 

Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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: Money transfer, virtual currency, or money service

Ive had an account with Wise ( Transferwise ) for a whole year. I made the account to send and recieve XXXX etransfers from my family and business in XXXX. I had always received and sent these transfers and there was never a problem until last month when I received my usual transfer from my XXXX XXXX. Wises system asked me to provide proof of income I had a feelings there system was confused so I called and let them know it was asking me this they said I should provide them with a contract from my XXXX XXXX as proof I requested it from my XXXX sent it out and then received and email that my account is being closed. I immediately apppealed it stating there must be some sort of mistake but they proceeded to close my account. I received another email stating my transfer would be canceled and sent back to the sender. After 3 days there was no transfer back to sender. I called they asked me to provide bank account details to receive the refund because they cant locate the sender. I sent the bank information and then 4 days later I received a email saying that I should actually send a direct deposit form which I did. That was 3 weeks ago I have no money at all, Ive missed my mother and my sons birthdays with no money to buy gifts and my car has been in the shop for a month all because wise is doing this stupid stuff to me. I dont want to lose my car Ive already endured enough from this company unnecessarily please can you help me
Product: Mortgage

Once again for about the 8th time this year I am registering a complaint against Ocwen. They simply refuse to contact my XXXX to have them refund the money that that illegally sent Ocwen to have them ( Ocwen ) pay my XXXX. over {$27000.00} from an illegal and bogus bill that my XXXX sent them while this was being disputed in the court system which had not even been settled yet. And it was settled out of court and the XXXX was entitled to no penalties or fines for which they were paid from Ocwen anyway. 

Ocwen is constantly being sued and loosing on near daily basis for illegal activities. The SEC may also want to get involved with this investigation because I believe their stock is being manipulated too. Ocwen 's stock has went from an all time high of approx. $ XXXX per share to approx. {$6.00} per share for no reason. They constantly rip consumers off who probably do n't no better and disrupt peoples lives on a daily basis. As of right now Ocwen has completely ruined my credit along with my XXXX XXXX XXXX XXXX and their law firm XXXX XXXX XXXX. This needs to be addressed right now before Ocwen goes out of business and I am left without a home because of XXXX and XXXX XXXX condo assoc. nonsense and illegal activities. 
Also, when I look at all of the complaints on CFPB, Ocxen seem to have far more complaints than any other mortgage/banking firms operating.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> I REACHED OUT TO EACH OFTHE 6 CREDITORS LETTING THEM KNOW THAT THESE ACCOUNTS WERE COMMITTED AS FRAUD ON MY CREDIT REPORT. THERE WERE DONE FRAUDULENT. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TYPE ( S ) OF FRAUDULENT TRANSACTIONS. SEE ATTACHED DOCUMENTS BELOW.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting and Non-compliance with the FCRA Dear Sir or Madam, I am submitting this formal complaint against the credit reporting agencies XXXX, Experian, and XXXX as well as the listed creditors and collection agencies. Despite detailed previous disputes and complaints, responses have often been inadequate, comprising pre-written standard form letters that fail to address the specific merits of each case. Such practices are not only unacceptable but also illegal, as they violate the provisions of 15 U.S.C. 1681i, requiring that each consumer dispute be addressed individually based on its particular merits. 

My communications have been consistently disregarded, and there appears to be a systemic issue with how disputes are processed, often implying an illegal delay based on the erroneous assumption that they are third-party interventions. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which mandates that all data included in a consumer 's file be accurately documented and validated.

I demand immediate and thorough validation of the following accounts, which reflect inaccuracies and unsubstantiated derogatory information : XXXX XXXX XXXX Account Number : XXXX Dispute : Unverified late payments, request for Metro 2 compliance in reporting. 
XXXX XXXX XXXX Account Number : XXXX Dispute : Incorrect reporting of payments, update required to reflect payments made on time. 
XXXX XXXX XXXX XXXX Account Number : XXXX Dispute : Charge-offs and late payments reported without proper documentation. 
XXXX XXXX XXXX Account Number : XXXX Dispute : Late payments inaccurately reported. 
XXXX XXXX XXXXXXXX Account Number : XXXX Dispute : Charge-off reported without substantiation. 
XXXX XXXX XXXX Account Number : XXXX Dispute : Incorrect charge-off and late payments. 
XXXX XXXX Account Number : XXXX Dispute : Charge-off and balance inaccuracies. 
XXXX XXXX XXXXXXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX Dispute : Multiple discrepancies in charge-off and payment history reports. 
These accounts reflect discrepancies that can not be overlooked, including duplicate reporting, unverified late payments, and charge-offs that significantly impact my creditworthiness. The accuracy of your credit reports is crucial, and the alleged discrepancies listed do not meet federal or state requirements for reporting and can not be substantiated. 

I kindly request that you handle this matter with the utmost care and diligence. Each account mentioned requires verification and validation, including the requisite certifiable Metro 2 Compliant Reporting Format Standards and processes related. If the claims can not be validated, they must be removed immediately from my credit report. Failure to process my requests promptly will compel me to consider legal action to enforce my rights under the FCRA. 

Thank you for your immediate attention to this matter. I expect a detailed response within the statutory timeframe. 

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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian : 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 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 or other personal consumer reports

Attorney and I requested proof of ownership after CFPB Vs. S.N.A.A.C. ( CIVIL ACTION : 1:15-CV-401-WOB, 2017-CFPB-0013 ) was settled and XXXX XXXX XXXX XXXX XXXX XXXXlosed their doors . They failed to provide proof of ownership over the Title and Loan. At a later date they sent a modified contract with their name as the beneficiary of the loan, falsely removing " XXXX XXXX XXXX XXXX XXXX '' from Original Contract and replacing it with " XXXX XXXX XXXX ''. Thus creating a fraudulent document. XXXX XXXX XXXX has been sent a cease and desist letter on two separate occasions. They failed to comply and caused further damage to my credit report. They threatened to repossess the car while I was XXXX XXXX XXXX XXXX XXXX  and did not comply with The Service Member Relief Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the accounts listed below & they told me I've never missed a payment, yet XXXX, Equifax and XXXX refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, Equifax and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$12000.00}
Product: Credit reporting, credit repair services, 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 XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 # XXXX 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 ( AX ( 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. 

I have sent multiple disputes regarding these accounts that have ALL come back Verified Accurate/Complete, but when I sent my last dispute of accuracy and completeness of reporting, I included documents from transunion, XXXX and XXXX which show different information being reported, I was prompted with an Updated Credit report that is STILL INCOMPLETE and/or INACCURATE. there should not need to be information added/updated if an account is being reported to its completeness with 100 % Accuracy. 

These fraudulent reports have adversely affected my creditworthiness to competitors, therefore I request immediate removal of the following incomplete/inaccurate accounts from my credit report : XXXX  XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX
Product: Credit card

I am writing to formally file a complaint against PayPal regarding a misapplication of my payments which led to an unjust interest charge of {$400.00} on a special promotion that expired in XX/XX/year>. I have been a long-time user of PayPal Credit and have consistently paid off my special promotions on time without any previous issues. 

In the past, I contacted PayPal to understand how payments were allocated between regular purchases and promotional balances. I was informed that payments would be automatically applied to the balances not accruing interest, such as promotions, and any extra payments would then be applied to the remaining balance. 

Before the promotion expired, I called PayPal to confirm the amount required to avoid interest charges on the expiring promotion. I was instructed to pay {$1000.00} twice, which should have been sufficient to cover the promotional balance. Despite this, an interest charge of {$400.00} was still applied to my account. When I called to clarify the reason for this charge, I was informed that I needed to call and allocate the payment specifically for that transaction, a requirement I had never encountered before. 

This new requirement is highly suspicious and bothersome, especially considering that this was the highest promotional balance I have carried. During my call, I asked how much more I needed to pay to cover the promotional balance and have the interest refunded. The representative told me {$490.00}, and I subsequently paid {$500.00}. However, when I called again after receiving a refund of only {$0.00}, I was told that the previous representative had provided incorrect information and that it was now too late to rectify the error. 

I feel deceived, manipulated, and taken advantage of by PayPal 's handling of this situation. This experience has caused me significant distress and financial inconvenience. I am seeking a resolution to this matter, specifically the refund of the unjustly charged {$400.00} interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 my credit report shows 2 hard inquiries. Both of these are fraud. Neither company can find my info in their systems or can they tell me where they got my info. Both companies say they will do nothing about it because they don't show it on their end. I assure you it's there. I am applying for a mortgage and these people are hurting my credit with all of these hard inquiries. The 2 companies are listed below. 

Flagship Credit-XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Dear CFPB, First of all I want to report that a notice of default has been recorded by XXXX at our XXXX XXXX County Recorders Office on my property located on XXXX XXXX XXXX XXXX, CA XXXX. Their is a projected sale date schedule for XX/XX/XXXXI have repeatedly sent several letters to dispute the alleged debt and validity of the recorded documents recorded at our XXXX XXXX County Recorders Office to XXXX, XXXX XXXX AND XXXX XXXX. These XXXX ENTITIES HAVE FAILED TO VALIDATE, MUCH LESS VERIFY AND AUTHENTICATE THE ALLEGED DEBT. Moreover, these XXXX ENTITIES continue to violated my consumer protection rights pursuant Fair Debt Collections Practices Act ( FDCPA ) and Truth in Lending ( TILA ). See enclosed Notice of Default served to me by XXXX XXXX. 

These is a list of letters I have served these entities via certified mail and faxes ( Attached ) :1. XX/XX/XXXX : Notice of Dispute and Demand for Verification letter certified mail served to XXXX. 
2. XX/XX/XXXX : XXXX XXXX XXXX XXXX Disputing and challenging validity of recorded instruments and assignments at our XXXX XXXX County Recorders Office. 
3. XX/XX/XXXX : CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT COMPLAINT against XXXX and XXXX XXXX. 
4. XX/XX/XXXX : Notice of Non-negotiable Non Transferable NOTICE OF DIPSUTE applicable to all successors and Assigns, served to XXXX and AFFIDAVIT REQUEST TO XXXX XXXX XXXX, XXXX VERIFYING AND VALIDATING ACCOUNT # XXXX, as a matter of law and equity. 

5. XX/XX/XXXX : Demand for Debt and Validation of Proof of Claim served to XXXX. 
6. XX/XX/XXXX : Cease and Desist and Notice of Invalid Instruments : Trustee in foreclosure liable for damages under California Homeowners Bill of Rights. Served to XXXX and XXXX. 

PLEASE NOTE that XXXX County Civil Grand Jury here in CALIFORNIA just released an audit conducted ( enclosed ) by XXXX XXXX " INTEGRITY OF LAND RECORDS IN XXXX COUNTY '' where it uncovered the same allegations that I have been alleging and also concurred with the violations addressed by California Homeowners Bill of Right. 

I 'm demanding that these XXXX ENTITIES, XXXX, XXXX XXXX and XXXX XXXX to identified themselves, to validate and respond to the above requests along with AFFIDAVIT of AUTHORITY TO CARRY OUT A NON-JUDICICAL FORECLOSURE. All I 'm demanding is just fair treatment according to my consumer protection rights under FDCPA and TILA so I can work out an amicable resolution with the legal and lawful authorized entity. 
I can be reached at XXXX XXXX XXXX XXXX. 

respectfully, XXXX XXXX