23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LOAN  #  XXXX   LOAN  MODIFICATION WITH  OCWEN  

ON  XX/XX/XXXX  WE  REQUEST  A  BASIC  LOAN  MODIFICATION  FROM  OCWEN  LOAN SERVICING  www.ocwen.com  TOLL  FREE  XXXX   AFTER  6  MONTHS  WAITING  THEY  OFFER THE  NEW  PAYMENT  PLAN  BUT  THEY CHARGE  US  OVER  USD  9000  AD  TO  THE  PRINCIPAL  WITH  OUT  ANY  INFORMATION  OR COST  DETAIL    MY  HUSBAND XXXX XXXX  NEVER  AGREE WITH  THE  USD  XXXX BUT  TO  AVOID  MORE  CREDIT DAMAGE AND DELATE  THE  PAYMENT WE  SIGN A  TEMPORARY  AGREEMENT WITH OUT A  LAW FIRM  AND  WITH  OUT  NOTARY  - ON  XX/XX/XXXX  OCWEN  SUPPOST  TO  GIVE  THE  INFORMATION AND  AFTER  2  MONTHS WAITING  STILL  WE  DO NOT  HAVE ANY INFORMATION    ALSO  EVERY  MONTH  THE CHARGE  US  USD XXXX  ESCROW  FOR  XX/XX/XXXX .  
ALSO  OCWEN  REFUSE  TO  PROVIDE  THE  XX/XX/XXXX PAYMENT  REPORT  FROM  US    WE  DO  NOT  KNOW  HOW  MUCH  WE  PAY FOR  PRINCIPAL  YET    . OUR  LOAN  BALANCE  ON XX/XX/XXXX  WAS  USD  XXXX  AND  NOW  IS  OVER  USD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as the 3 credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX XXXXccount number XXXX and XXXX XXXX  Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, Transunion was contacted regarding a dispute. I advised they were in violation of 15 USC 1681 ( b ) and Section 609 ( a ) ( 1 ) ( A ) of the FCRA. On XX/XX/, I asked XXXX to re-investigate and to provide all documents with my written consent to report any information 15 USC 1681b ( 2 ) and their method of verification15 USC 1681. They did not provide their method of investigation and they did not accurately verify the information that is listed on the report. I provided a driver 's license to show the true name. I also advised them of 15 USC 1681 ( 4 ) to exercise their grave responsibility with fairness and impartiality. They did not do so. I also advised on the Gramm Leach -Bliley Act regarding my privacy. They list these creditors as public information. The only public information is if there is bankruptcy and criminal charges. They are in violation of 18 USC 894. They have a negligence and a willful non-compliance. I also advised them on my copyrights to all variations of my name with the recording number in my state along with my fee schedule for violating and injuring me. The send me back a letter stated they are unable to process because they do not know the nature of my request. The letter/affidavit specifically stated to re-investigate.
Product: Debt collection

This company is in violation of the FCRA Section 611 ( A ) ( 1 ) by failure to validate an alleged debt in a timely manner and or providing proof of contractual obligation. " sum owed {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 I submitted a written letter with ID and XXXX card sent it to Equifax because I was unable to view or obtain my credit report or score. I have been doing so for the for the pass XXXX years and I still have not be able to review or see my credit profile or score this has prevented me from obtaining credit and buying a home. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of an item which Is UKNOWN to me : Please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of Fair credit Reporting Act.XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Checking or savings account

My Account with XXXX bank was opened in XXXX, since then I never had a returned check from any items I ever deposited. On XX/XX/XXXX I deposited {$3200.00} from a XXXX emergency disbursement via mobile banking, at the time of the deposit I was not notified of a possible hold ( this is the third check from this company that I have deposited ). This morning XXXX checked my account and the money is not visible as if I never deposited it, I started chatting with the agent XXXX and she tells me the check is being held until XX/XX/XXXX, this check doesnt meet the hold req for reg cc yet they dont want to release it. I asked for a supervisor, she stated her name is XXXX and she too is simply repeating the automated message, I asked to cancel the deposit and it was refused so I can not go to XXXX to cash it and XXXX will not release the funds until the XXXX despite me being a client since XXXX with no history of problematic deposits. I even offered to send proof of disbursement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 


XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}
Product: Credit reporting or other personal consumer reports

I got XXXX loans from the US Department of Education one opened on XX/XX/XXXX for the amount of $ XXXX second was opened on XX/XX/XXXX for the amount of {$3500.00} amounting to a total of {$5600.00}. This reporting to my credit is in violation of the Family and educational, and Privacy act of XXXX. I've filed previous complaints with the CFPB to try and resolve this matter. I have trying contacting the company pertaining to these reporting XXXX and nothing has been done, and it is hindering me from living my life.
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the fraudulent items and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken until this issue is fully resolved. With this, I am asking for your assistance to or remove the fraudulent items : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX : {$5200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX and Experian do not honor the FTC laws related to the removal of fraudulent credit items. XXXX  customer service is primarily outsourced and most do not have a clue about proper procedure. Experian is also primarily outsourced and their staff withhold information as to why they arbitrarily choose to not block items that are supported by a FTC ID Theft report. These people do not care if your life is adversely affected by their inaction. 

I would like to sue both companies, as I have read the consumer protection laws and they are not following the laws as they are written. These entities can not play XXXX with people 's lives in this matter. Are their attorneys that specialize in this area that can litigate cases like this?
Product: Credit card

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 601 A section 2 it also states a consumer reporting agency can not furnish account without my written instructions. Under 15USCS 1666B a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I do not know much accept that when I found out that a credit account was opened with XXXX  XXXX bank without my knowledge, so I did a credit report with XXXX and it showed that another inquiry was made without my consent or knowledge on XX/XX/year>XXXX  with CAP ONE NA.
Product: Checking or savings account

I went to the ATM today to take money out of my Chase Bank account. I had a checking, savings, and had recently opened my daughter a bank account as well. It would not let me withdraw money from the ATM so I went inside. They told me they had closed my accounts, without warning or prior notice, and that my money was restricted. After over an hour, I got the majority of my money from them. They could provide any explanation as to why they closed my accounts. The VP Branch Manager XXXX XXXX was able to do a conference call with myself and corporate office number to try to get an explanation. I was advised this was a recorded call, so it will be available if they allow it. They told me they did not have a reason to close my accounts, that if I looked at page XXXX, and referenced exact details of my account agreement, that it stated they had right to terminate a relationship at any time. She went on to explain they did not need a reason to decide they did not want to do business with a customer and can terminate it without reason. I said that banks still usually have a financial reason and they don't seem to have one in my case. I informed her that after doing a quick XXXX review, I discovered Chase has been accused of targeting conservatives. I am not a registered XXXX but as unaffiliated have voted in a few XXXX primaries, and believe they discriminated against me due to perceived political affiliations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act JPMCB and XXXXXXXX XXXX has violated my rights. Under [ 15 U.S.C. 1681 ] section 602, states I have the right to privacy. [ 15 U.S.C. 1681 ] section 604A section 2, it also states the consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 1666B ] a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late, for any purpose.
Product: Consumer Loan

This complaint is focused on the fact that 5/3 Bank did not need to secure a hard copy of my credit report because the XXXX pre- personal loan application failed before it went to underwriting.On XX/XX/2016 I applied for an unsecured line of credit in person at 5/3 bank and brought a XXXX credit report on myself dated XX/XX/2016.I met XXXX XXXX from 5/3 face to face to go over my complete credit info on XXXX XXXX the application date.I told him I was requesting a pre approval application before 5/3 bank hit my credit report for a hard copy.He refused as I requested to get underwriting on his speakerphone and He was just too lazy to do conduct a pre-application approval.On XX/XX/2016 I received a letter from 5/3 underwriting which detailed the XXXX reasons why the application was refused based on my XXXX credit report they did not need to acquire.The XXXX reasons were ; insufficient credit experience and number of credit inquiries which were XXXX they reported which matched The XXXX credit report I brought in to XXXX XXXX on XX/XX/2016.In addition all of the creditors listed on my report dated XX/XX/2016 exactly matched the ones listed on the duplicate report from XXXX dated XX/XX/2016 requested by 5/3 bank. 

This is nothing more than 5/3 bank malisciously abusing their authority and ability to secure unnecessary credit reports which as you know are terribly damaging to the consumer. All the Bank had to do was look at the XXXX credit report I presented which matched exactly the XXXX report they requested on XX/XX/2016 and the pre-application would have been denied after discussing my credit report dated XX/XX/2016 with 5/3 underwriting.Now I have to endure the unnecessary pain caused by 5/3 bank to my FICO score. 

I am asking the CFPB to demand that 5/3 bank request a redaction of the XXXX credit report request since they did not follow well established bank policies.I am XXXX years of age and have dealt with 5/3 and it 's excellent predecessor XXXX.I always for any loan application have been given a chance to pass the pre-application process before going to underwriting ; from real estate to installment loans both encumbered or unencumbered this is a very basic tenet of the banking business.XXXX has attempted to take an easy shortcut so He could not fulfill my request for a pre-application loan approval.He was too busy discussing a non issue by underwriting on my credit report with me that had to do with a PAID tax lien All He had to do was put XX/XX/2016 underwriting on the speaker phone and after discussing the findings from the XXXX credit report I brought then underwriting would have denied the pre-approval application.
Product: Bank account or service

RE : XXXX-PRIVILEGED AND CONFIDENTIALCOMPLAINT : XXXXDear Wells Fargo Bank : I am in receipt of your regular mailed letter thot mirrors the online letter I IMMEDIATELY RESPONDED. Now, let ME, XXXX, provide clarification. 

The rental deposit annual interest payment is mandated for ALL LANDLORDS to paying tenants annually. I received the {$1.00} check dated XX/XX/XXXX sometime late in XX/XX/XXXX. I was unable to cash or deposit {$1.00} official XXXX check ( does not contain remarks noting 'void ' ) If the money has not been returned to the sender, then the money should be sitting in a bank ACCOUNT collecting interest. 

I WANT ALL MY MONEY AND ALL MY INTEREST. 

Sincerely and Respectfully, XXXX
Product: Debt collection

Express Recovery sent my account to collections XXXX XXXX. I have been paying {$150.00}. A month starting in XX/XX/year>. Every month since on automatic bill pay and have the records. I would like them to take this off of my credit reports in the collections section as I have been paying regular payments each month.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Formal Complaint on Citibank Diamond Preferred Credit Card Citibank Reduced Credit I have a Citibank Diamond Preferred Master Credit Card ending in XXXX. I have a 22+ year credit history. The credit card was never paid late nor did I reach the credit limit. I have maintained the credit card in excellent standing. I am writing to document how I have been mistreated, request for personal login and passcodes to my checking account and my credit score negatively impacted by Citibank : 1. ) Citibank removed over {$2000.00} of  available credit on my Diamond Preferred Master Credit Card not once but twice within a 60 day period without any prior notification. 
2. ) The original credit limit on the card was {$5000.00} and the balance was {$3200.00}. 
3. ) XX/XX/2020, Citibank lowered my credit limit to {$3500.00} leaving available credit XXXX 4. ) XX/XX/2020, Citibank lowered my credit limit again ( 2nd time ) down to XXXX without any prior notification 5. ) I called Citibank to request they restore my credit limit back to {$5000.00}. They refused to because they said it was their prerogative to select accounts for credit limit decreases 6. ) The lower credit limit placed my account at a 99 % utilization rate, which caused XXXX XXXX ( {$13000.00} ), XXXX XXXX {$2000.00} ), and XXXX XXXX ( {$800.00} ) to remove my available credit lines as well. Again, no late payments triggering these decisions 7. ) To improve my credit score and utilization rates, I paid {$1600.00} to Citibank on XX/XX/XXXX to reduce my balance. Citibank bank refuse to post the payment to my account because it was larger than any other payment I had made. 
8. ) So, they refused to post my payment for 14 days. After 8 days I was wondering why the payment wasn't posted. Citibank said if I wanted the payment posted sooner, I would have turn over my XXXX XXXX log-in information ( User name, password and account # to them to call XXXX XXXX to verify the payment actually came out of my checking account. 
9. ) Why would Citibank request my confidential log-in and password # s to make a call to my bank? The other option was to conference in the Citibank Customer Service Rep on the call so, they could personally hear XXXX XXXX confirm the payment out of my account. 
10. ) How humiliating this was to be forced to conference in a Citibank customer service rep in order to have my payment posted to my account. This can't be a legal practice. This ordeal left me in tears. I had never been treated this way before. 
11. ) I could no longer continue with refinancing my home for a lower rate now that my credit score had significantly decreased due to Citibank, XXXX XXXX and XXXX XXXX decision to take away available credit lines and cause my credit utilization to rise to 99 %.
Product: Credit card or prepaid card

I made a purchase at XXXX for 2 bikes on XX/XX/2020. I used my Apple Credit Card. I never received the merchandise and have disputed the charge 6 times over the last 6 months with Goldman Sachs ( who issues the Apple Credit Card I used to make the purchase ). I go into an endless loop when trying to resolve it with them : - I dispute the transaction. I never received the merchandise from this merchant. 
- Apple Card agent files a report and credits the transaction fee temporarily - A few weeks later I get the letter forwarded below that says The merchant provided sufficient evidence that you made the purchase- I call to get the information provided expecting a tracking number or some other form that evidence that the merchandise was shipped and received ( which I know doesnt exist as I never received the merchandise ). 
- The agent always replies with- well it doesnt really show that we received anything from the merchant - I will refile your dispute. 
- A few weeks later I get the letter forwarded below that says The merchant provided sufficient evidence that you made the purchase I ordered this merchandise on XX/XX/2020. So as you can see I have been dealing with this for over a YEAR! I have filed no less than 5-6 disputes. I have requested information about the evidence the merchant provided over 5-6 times. I never get anything. I have tried to contact the merchant multiple times through phone calls and letters over the last year. I never get a response- so I know that agent/ team isnt getting one either. Yet the letter keeps saying The merchant provided sufficient evidence that you made the purchase. This just isnt true and is a fraudulent claim. I made the purchase - I told them that- not the merchant. I never received the merchandise and I believe the merchant went out of business during the year of COVID. I gave the merchant ample time to deliver before filing the dispute as I assumed Covid was delaying shipments. However, the merchandise never arrived and now I have found other merchandise to take its place. I cancelled the order for non-receipt about 6 months ago.