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

I am writing to express my deep frustration and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and assurances from your company, these fraudulent charges persist, causing significant stress and financial concern. 

I have made multiple attempts to report and rectify these fraudulent charges, but each time, the resolution has been temporary or insufficient. It is disheartening to see that despite my diligence and your assurances, the fraudulent items remain on my account. 

The presence of these fraudulent charges not only damages my financial reputation but also undermines my trust in your company 's ability to protect its customers from fraudulent activities. It is imperative that these charges are promptly removed to prevent any further damage to my financial standing. 

I demand immediate and effective action to permanently remove these fraudulent items from my account. Additionally, I request a thorough investigation into why previous attempts to rectify this issue have failed repeatedly. 

Furthermore, I expect to be compensated for any financial losses or damages incurred as a result of these fraudulent charges, as well as for the inconvenience and stress caused by having to deal with this situation repeatedly. 

I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), I am submitting the required documentation and a letter from an advocacy organization assisting me due to XXXX XXXX resulting from XXXX XXXX This situation is covered under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I respectfully request that you remove the associated information from my credit report within four business days, in compliance with Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking involving debt bondage, I am seeking the removal and blocking of all listed accounts from my XXXX credit report. 

The accounts in question are : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXXxxxxxxxxxxx, XXXX XXXX XXXX XXXX Acct # XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX / # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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

DEBT RECOVERY SOLUTIONS REPROTED INACCURATE INFORMATION TO THE CREDIT BUREAU. NO CONTACT WITH THIS COMPANY NOR THE COMPANY THEY SAY I OWE.
Product: Credit reporting, credit repair services, or other personal consumer reports

FAIR COLLECTIONS AND OUTSOURCE is in violation of the FDCPA and FCRA after multiple attempts for them not removing the false account. I will seek litigation if this false account is not removed. See attached PDF.
Product: Mortgage

I FELL BEHIND IN MY MORTGAGE DUE TO UNEMPLOYMENT AND I HAVE TRIED TO GET HELP BUT THE BANK HAS DENIED MY REQUEST MULTIPLE TIMES WITH OUT ANY REASON
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.

| 15 U.S.C 1681 section 602 A. Stales 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 an 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. 

XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. Loan # XXXX, Tax Parcel # XXXX. Has filed a claimed against a Loan in the lower courts in the State of Delaware under the name of XXXX XXXX. XXXX XXXX allegedly sold the note to Ocwen Loan Servicing, a debt collector. Ocwen Loan Servicing is refusing to help the next of kin or Transfer the Deed to the heir of the property. Thus, not allowing the Personal Representative to be able to obtain a modification and pay on the property that the family wants to keep. XXXX XXXX  has hired an aggressive attorney in the State of Delaware to foreclose and Owcen is playing a lot of games. Ocwen refuses to tell the family how they obtain the loan? when did they obtain the loan? What was the balance when transferred? how much was paid on the loan when the deceased was living?
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$39000.00} XXXX XXXX XXXXXXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE XXXX TIME TRYING TO FIX THIS ISSUE SEE LETTER ATTACHED
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, privacy and confidentiality under 15 U.S CODE 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX 15 U.S CODE 1681 section 602 A. States I have a right to privacy.

15 U.S CODE 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a copy without my written instructions.

15 U.S CODE 1681c. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer 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 CODE 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: Debt collection

In XXXX of XXXX, I was in debt. In XXXX XXXX credit card services wanted a minimum payment due of {$190.00} with a 29 % interest rate. As a single mother, homeowner I could not manage. I asked XXXX to work with me reasonably. They did not want to offer anything more than the above. They called day and night and were relentless for months. Then I started to receive communications from Law Offices of Howard Lee Schiff, P.C.. They asked that I pay over {$9000.00} to them. I only had a credit limit of {$6000.00} with XXXX. I was bombarded with documentation from them and finally, I would receive communication I was being sued. I went to court numerous times without an attorney and was made to feel very stupid. The last time I went to court I was basically bullied into a payment agreement with the Law Offices of Howard Lee Schiff P.C. if I was to receive a partial amount of my mortgage money that they in fact executed and levied. It caused me and my bills to spiral out of control I found myself facing foreclosure due to the loss of money becoming late and then behind in my mortgage payment due. I was completely devastated. XX/XX/XXXX the same thing has happened my entire direct deposit was levied and executed by Howard Lee Schiff, P.C. They are making my life a living nightmare. They got awarded a judgment order for over {$9000.00} by default and I was never given the notice or opportunity to defend myself. This firm is so shady I have found countless complaints about them. FACTS that they have been sued for violating the Fair Debt Collection Practices Act more than once, XXXX XXXX a long time attorney of the firm has been suspended 4 times for failure to pay the client security fund fee.In an article online I found their firm brought more than 8000 small claims to court in XXXX! There are tens of thousands of people who have been bullied by this firms predators. I will give an abundance of information to the CFPB and pray you help me so I can help others.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

XXXX XXXX : collection account - A charge off with a 3rd party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have Equifax, the consumer reporting agency delete this from my report immediately and indefinitely. XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

In 2019 my family was going through hardship as both my wife and I lost our jobs. When I was called to receive a cash loan, the interest payments were not explained to me. Especially the fact the interest was 500 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that XXXX XXXX/XXXX XXXX XXXX had reported a {$200.00} Charge Off on my Experian, XXXX, XXXX  and XXXX report in XXXX. 
I disputed this item as not mine with the all four of the bureaus in XXXX and according to the bureaus XXXX XXXX  verified with them in XXXX. 
I then wrote XXXX XXXX  requesting information regarding this debt. XXXX XXXX did not respond to my XXXX to them. 
I received a notice from a collection agency in XXXX and so I wrote them a letter requesting validation of the debt. The collection agency then sent me a letter stating that this account would be sent back to XXXX XXXX. 
I have spent hours trying to get any type of clue what this account is for with the credit bureaus yet all they can tell me is that it is verified, and I have yet to receive anything about this. Yet it is still being reported to my credit bureaus. I asked all bureaus to give me the method of verification and they gave me the number to XXXX XXXX  and they are no help over the phone or in writing. 
This is not my debt this is not my account and it appears on my credit file in error. Experian, XXXX, XXXX  and XXXX somehow verifies this, yet I am unable to even find out what the debt is for. I am at my wits end with Experian unlawfully reporting invalidated and unverifiable information on my credit file.
Product: Mortgage

Wells Fargo advertised Covid Relief, my mortgage went into a 3 month forbearance to end XX/XX/XXXX. They refused to make arrangements to alter loan until XX/XX/XXXX, leaving payment due XX/XX/XXXX. Until this time no payment toward XXXX mortgage could be made without triggering 3 months payments due in full. ( it took 3 hour+ phone calls and escalation for them to even admit this ) I am now today, XX/XX/XXXX blocked access to my online account in order to make the payment due. I've called the number on the screen, got transferred ( they say mistakenly ) to brokerage services who could not help me and said I had to go back to the online banking number. Guess what, you get to go back to the end of the hold line! Still on hold 32 min. later. This is clearly a concerted effort to force customers to miss deadlines and incur fees and catastrophic financial consequences. I'm able to navigate hours on the phone, but we all know most don't have the wherewithall. I've been able to use my husband 's online access to make my payment. However, there is no option to set up auto-debit payments going forward and no direction or search item available to let you know what to do. I'm calling again now ... .. 
Wells Fargo wants you to miss payments, there is no other possible explanation for these shenanigans. If I could choose a servicer I would NEVER choose them.
Product: Debt collection

I first contacted National credit system XX/XX/17 when I was notified of the collection placed on my report from XXXX. I do not owe the balance of {$2300.00} that has been stated I owe I have spoken with the corporate office of Villages of Hikes point they confirmed that I do not have an account nor do I owe an balance. I have disputed this debt several times with no resolution between the furnisher or the credit bureaus there was no notice given letter mailed or contact the company just slammed the debt on my credit report. once i began to dispute i started receiving harassing calls and threats to damage my credit report without a proper conversation for me to deny I owed the debt I have also spent numerous amount of money on repair companies to have this removed nothing resolved i always pay my debts but I will not pay an account that I do not owe. however this has brought many damages to my credit rating
Product: Debt collection

Encore Capital, Midland & MCM attempt to collect a debt that was past the statue of limitations, and reported the wrong amounts on my credit report and refused to correct it.
Product: Checking or savings account

I subtmited a merchant dispute for merchandize not received with my bank on XX/XX/XXXX XXXX, the bank never sent any letter of the status of the claim. I called XXXX XXXX to know about the case and I was informed that the case was closed without any advice to the customer because the bank sent me an email to a different email address I provided. They have my last name of my email wrong. 
So I opened the case again on XX/XX/XXXX with the information requested, that was the invoice showing that merchant must sent items to my address. 
I sent it and on the same day the bank said that on the invoice is not written, and it is. Is wirtten that shipment service was included and also the address where must be sent. 
The bank didnt follow the instruction I gave them by phone, to start the merchand dispute. Also didint follow the regulation E and Z procedures.
Product: Credit card or prepaid card

I paid off my credit card in full with Captial One on XX/XX/20 the bill was due on XX/XX/20. At XX/XX/20 The company charged me interest on the amount I paid off so I called them to rectify the situation. I was told since my statement says " If you pay your New Balance in full by the due date each month, we will not charge interest on new transactions that post to the purchase balance ''. I was told " each month '' was the key word and that since I did not pay off the bill in full for consecutive months I get charged the interest for every day I had that balance prior to paying it off. The statement used the ambiguous terminology of " each month '' which sounds like each month you have a chance to pay the balance in full to avoid paying the interest.
Product: Debt collection

On XX/XX/XXXX, I was contacted regarding a debt for rental collection that I did not assume. I sent a cease and desist letter to the company, COLUMBIA DEBT RECOVERY LLC DBA GENESIS. They continue to contact and harass me. The debt is in reference to an apartment rental in XXXX, GA. I have never been a resident of the state of Georgia nor the City of XXXX.
Product: Credit card or prepaid card

Credut Card forgot number as well as other complaint was rejected {$4300.00} and {$1000.00} Deposit without any reason. I sold rare merchandise and was a wire transfer from a legitimate international bank. I used same buyer many times. Wanted to know why refunds was returned? I didnt know. No answer given to me but has it yet. Buyer assured it was legitimate and nothing wrong from that bank. There was currency exchange to make up for my proceeds. Now, no money, no accounts, no credit cards, no checks. All taken after all cleared before frozen and closed accounts by XXXX  fraud department. The funds was good as other banking explained. Now nothing. XXXX  has given medical problems than I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has placed a Delinquency and charge off on my credit file. This is INCORRECT. The correct file entry should be " late payment ''. No balance, on the account is inconsistent with something being " charged off ''. The difference is a cascade effect it has had on my credit score and potential 7 years of visibility on my file vs 6 months for a late payment. 

The beginning of the cascade issue is XXXX reducing my credit from {$12000.00} to {$1500.00}. Once again NEVER LATE - NO BALANCE. 

Since ALL credit card companies use this file, the accuracy of the information is directly correlated to my score. 

This is unacceptable since NO HARM was done to BofA, and this action will cost me thousands for YEARS.
Product: Credit reporting or other personal consumer reports

My account with CONSUMER PORTFOLIO SVC was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I checked my credit report and these came up as hard inquires. Please remove them from my credit report. Thank you. 
XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card or prepaid card

I am trying to make a payment through XXXX Comenity payment portal but the site has been down since XX/XX/XXXX. They have turned off the customer service phone lines and there is no way to contact a rep nor any way to make a payment. Most importantly, there is no estimate as to when systems will be back up. This is messing with peoples credit.
Product: Money transfer, virtual currency, or money service

I have been a loyal customer of Robinhood for over 3 years. I trade crypto and own about $ XXXX in stocks that I trade about once a year - just to do some speculative investing. I have had my cash position in the account since XXXX and have traded several crypto currencies. I recently decided to move some of my portfolio to an offline 'cold ' wallet for my peace of mind. I purchased the XXXX using my available funds and went to transfer it - and the account got restricted - that was about a month ago- they have had me verify my identity everytime I log in, ( full DL pics and video selfie ) to do anything on the account - and the restrictions never get lifted. My DL expired 4 days ago and now I am using my passport to verify and they keep saying my access will be restored on XX/XX/XXXX, then the XXXX, then the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and then finally today was the big day again- and now it's " we dont know when it will be lifted ' I am a big proponent of safety and security - so the measures made sense in the beginning of this- but now with well over 20+ verifications, including ones where they are live on the call with me, enough is enough.
Product: Debt collection

i was informed of this debt in   XXXX   XXXX   they said i started an apartment lease with centerport landing apartments in forth worth i have tried several times to get information inregards to the lease. the lease is not mine and they keep telling me it is. I have sent several letters and the FTC identity theift report plus a police reports.   i need this off my record and have my name cleared