23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a response to an old case XXXX. 
* Ocwen has now commented fraud by signing Schedule A in modification plan * Ocwen did not answer the first response with how modification plan was delivered *Attached evidence shows Ocwen over charged a forced placed insurance over 32k in 1 1/2 years as Ocwen never showed how it was refunded besides their faked out paper work. 
*Ocwen did not show who they paid City school tax to in XXXX, XXXX, XXXX as attached shows true evidence that XXXX XXXX only chrages for school taxes. Ocwen charged me as much as the entire yearly taxes just for city school tax. 
*Trail is set for XX/XX/2017 as I have now file a counterclaim and have no attorney.
Product: Debt collection

I have been subject to collection activity by Ltd Financial services i have disptuted this debt and collection me methods myself and through my attorneys. so far, neither my attorneys nor i have been able to get veriification of the debt owed. after a settlement for violation of of FDCPA in retaliation LTD reported to XXXX, XXXX and XXXX this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : 1 ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2020 ; 2 ) XXXX XXXX, Inquiry Date : XX/XX/2020 ; 3 ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On my Equifax Credit Report under Associated Addresses the following information appears : " Equifax XXXX XXXX XXXX XXXX XXXX OHIO XXXX ''. I have never lived at that address. I am not even sure if that is a real address. I lived at " Equifax XXXX XXXX XXXX XXXX XXXX OHIO XXXX ''. That address on your report is correct. Please remove the incorrect information. Thank you for your time and consideration!
Product: Credit reporting or other personal consumer reports

The accounts been negatively reported are in litigation. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' The Affidavit of XXXX XXXX XXXX  will explain the fradulent concealment of facts regarding money creation and allege loans or credit, hence a debt never existed. 
There is no basis for reporting allege debts associated with a fictional legal entity, not me the living flesh by the registered DBA.
Product: Prepaid card

I had XXXX worth of fraudulent charges that I even made a police report about and reported the card lost disputed the charges they said no errors occured this was between XXXX and XX/XX/XXXX all online purchases
Product: Debt collection

The company Midwest Recovery Systems has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company that this account is not mine as I have not signed a contract with them. This account is fraudulent and was made without my consent. I tried to explain to this company that this doesn't belong to me. They have sent no verification of debt or a right to dispute the debt before reporting on my credit. This is the only thing on my credit profile that's holding me up and it's not my responsibility. This company is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These Fraudulent-inquiries, accounts and addresses. 

XXXX XXXX  XXXX I also have never worked at XXXX XXXX XXXX nor XXXX XXXXXXXX Nor have I worked at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE DO NOT PLACE AN ALRET ON MY CREDIT REPORT I WILL KEEP AN EYE ON IT. 

By law part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( XXXX XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about the accounts, addresses & companies that I am disputing. 
DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Thanks for your help and speedy response, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Request Regarding Capital One Sak - False Late Payment Reporting To Whom It May Concern, I am writing to formally request the intervention of the CFPB regarding an issue with Capital One Sak. The bank has falsely reported a late payment on my credit report, which has negatively affected my credit score and financial standing.

I wish to bring to your attention that this action may violate 15 U.S. Code 1666b, which governs the timing of payments and the assessment of late fees for credit transactions. According to this statute, creditors must comply with the requirements regarding the posting and timing of payments to avoid the unlawful imposition of late fees. In my case, I have made all payments on time and in good faith, and the reporting of a late payment is erroneous and without basis.

Despite my attempts to resolve this matter directly with Capital One Sak, they have failed to correct the mistake. I respectfully request that the CFPB take immediate action to cease this false reporting by Capital One Sak and require the removal of this incorrect late payment from my credit report. 
Thank you for your prompt attention to this matter. I trust the CFPB will help ensure that my rights under federal law are protected.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/year> -BALANCE {$13000.00}
Product: Mortgage

During the time frame of approximately XXXX to XX/XX/XXXX, and ongoing, Carrington Mortgage, the current servicer of a mortgage I have with them, has repeatedly called and solicited me in an effort to sign up for their Mortgage Assistance Disaster Area Declaration, or similar offering. I had requested that this company cease communicating with me during a phone call with one of their representatives named " XXXX '', who due to his unprofessional behavior, forced me to terminate this call. I had, prior to the call received from XXXX, received a previous call for a representative. This representative was told to ensure my roof repair claim was resolved, and cease calling me about their other offerings include this disaster protocol. She assured me that this would be consummated, however, i have received a barrage of continuing calls from Carrington Mortgage from a ( cyber ) representative named XXXX XXXX who continually re offered the same unwanted reject program.
Product: Mortgage

I have an escrow account for payment of my property taxes and homeowners insurance. My payments have been made timely and there is more than enough in the account to cover the disbursements needed. Property taxes were due XXXX. 

On XX/XX/XXXX I noticed that my property taxes had no been paid ... contacted via email and servicer confirmed they did not need any additional information and they would be paid by XXXX XX/XX/XXXX noticed funds still not dispersed from account so called servicer who confirmed no payments were made and no pending payments existed, asked me to send a copy of my tax bill to their email address and they would pay within 10 business days. 
XX/XX/XXXX - still no payment so called again ... was advised that it was marked to be completed that day XX/XX/XXXX - still no payment so called again and was told they would escalate the case XX/XX/XXXX - called again as there is still no payment made. Advised it is marked to be processed by end of month. 

Have been assured numerous time that it is being paid by x date and each time that date passes with no payment. I am not waiting any longer without filing a complaint as charges are accruing on a daily basis and liens are placed after 90 days.
Product: Vehicle loan or lease

In XX/XX/2019 an old work supervisor begin to harass and purchase several gifts for me in an attempt to date me. He purchased a XXXX XXXX and presented it to me. I then filed charges against him and took out a stalking warrant and was granted an order of protection. I was unaware that the vehicle in question was through Credit Acceptance. As he said he fully purchased the vehicle. I have been trying to get them to remove the loan and pick up the vehicle as I didnt want it. They never did until last month but refuse to stop reporting the fraudulent loan. I filed a police report as well because of this. My name isnt even correct on the loan. Please stop these fraudulent charges.
Product: Credit reporting or other personal consumer reports

To make a long story short, we bought the discounted 2 night vacation card from XXXX XXXX and committed to a 90 minute presentation to receive the gift. The presentation was with XXXX XXXX  and was supposed to be a quick 90 minute, no pressure presentation. We went to the presentation in XXXX XXXX on XX/XX/year>. We were kept in a meeting room with sales personnel for 8 hours, bribed with food, belittled and lied to over and over by sales personnel that would not take no for an answer. We were pressured and told we HAVE to do this for our kids. When we finally submitted to their ridiculous ongoing tactics, we were put into a room to sign paperwork. We were told we have to go through a " read aloud '' and speak loudly and answer with " I agree '' to all statements and if we had questions, we can ask them after the recording. We were NOT shown required paperwork regarding the Public Offering Statement that they had us sign documents saying we were shown and understood. We also did NOT receive any notarized paperwork or deeds regarding the timeshare. The sales rep we worked with did NOT have a realtor license and did NOT provide a last name. The tactics they used to pressure us are illegal. The contract was entered into based off of fraudulent information and tactics and by law is not a viable contract. The company has been given mounds of evidence to prove our claim and has not cooperated an has not condemned the tactics of their sales personnel. We now have a mortgage loan over {$35000.00} for a timeshare we have tried multiple times to use since we were bribed and conned into signing the paperwork and nothing is ever available. It is not worth continuing to pay for something that is not what it truly is. We have contacted other authorities and submitted complaints as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$310.00}
Product: Checking or savings account

On XXXX XXXX, I discover that there were 2 transaction on my checking account " Chase Bank '' ATM withdrawal for {$200.00} each. Each transaction only separated by just several minutes apart. The next day I called the bank and reported it and the bank refunded me the amount. The following week someone did a quick pay using my account with a name that I do not know for {$400.00} and the bank also did returned the funds. Before this transaction made, someone already requested an new ATM without my approval.The bank charged me {$5.00} which also they refunded. I requested to closed the account but bank refused to closed it because of ongoing investigation according to them. I waited for them to finish they 're investigation and I just found out that they are charging me back the 2 separated {$200.00} transaction worth of {$400.00} without receiving a courtesy call or anything to informed me. I went to the bank and asked what is going on. The banker told me to call the executive office XXXX to find out. The person I spoke with told me that the decision was already made by the bank to reversed what they refunded me because my ATM has a chip and can not be hacked. I explain my side but with no avail, they said they already made the decision based with the chip. I can not understand why I suffer for the bank that they can not protect my account. I leave here in XXXX, California and the transaction was made in XXXX Texas according to the bank customer service I spoke with from the Executive office. I told him it 's absolutely not me and I have never been in XXXX Texas. I am sure this is not only happened to me, I am sure there are lots of consumer suffering this particular problems. Please call me at XXXX or email me at XXXX
Product: Debt collection

Calls on multiple different numbers, but calls repeatedly during the days, weekends, and though out the week also. Calls are over seven times within seven days
Product: Checking or savings account

Refused to allow me to do banking as a XXXX person.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  # XXXX -Date Opened XXXX BALANCE {$0.00} XXXX  XXXX # XXXX Opened XX/XX/XXXX - BALANCE {$8400.00} XXXX XXXX XXXXXXXX Opened XXXX BALANCE {$7900.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX - BALANCE {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened XXXX BALANCE {$37000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX - BALANCE {$13000.00} XXXX  XXXX XXXX XXXX XXXXDate Opened XXXX BALANCE {$0.00} XXXX  XXXX # XXXX Date Opened XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - BALANCE {$6100.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX Balance : {$530000.00} ; XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

Subject : Urgent Request for Response on Fraudulent Accounts & CFPB Compliance Dear Columbia Debt Recovery, I am writing to formally demand a response regarding the fraudulent accounts on my credit report associated with the following creditors : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I previously submitted the required documentation to your fraud department to dispute these accounts. However, I have yet to receive any response from your company regarding my case. Despite my efforts, these fraudulent accounts remain on my credit reports, which is unacceptable. 

Under federal law, you are required to respond to disputes and complaints submitted through the Consumer Financial Protection Bureau ( CFPB ). Failing to do so may result in legal consequences, as non-compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) is a violation of my consumer rights. 

I am demanding that Columbia Debt Recovery immediately remove these fraudulent accounts from my credit report and provide written confirmation of their deletion. If I do not receive a response within [ reasonable deadline, e.g., 15 days ], I will escalate this matter further, including filing additional complaints with the CFPB, the Federal Trade Commission ( FTC ), and any other applicable regulatory agencies. 

Please consider this my final notice before I pursue legal action. I expect a written response at the address listed above or via email at XXXX XXXX
Product: Checking or savings account

Every week Id have XXXX or XXXX random charges that wasnt me. XXXX and other random charges would hit my account in the middle of the night. I never could get any of the money back, the most they would do is block any future charges. I had to close my account. My wife had similar problems with her account too
Product: Checking or savings account

I was notified by wells fargo bank and also a law firm called XXXX XXXX XXXX about opting into a class action lawsuit against wells fargo bank for unauthorized accounts and also unauthorized charges made to those accounts. I currently have a checking, savings and also a brokerage account with wellsfargo bank. I have been charged several times in overdraft fees and had to have some rembersed because of bank error. I believe wells fargo bank has been using my personal information to open up accounts and also have made unauthorized charges to my account.
Product: Mortgage

In XX/XX/XXXX, My wife and I submitted an application to the Bank of Ozark in XXXX XXXX for a refinance of a commercial income property, along with a copy of our XXXX tax return, rent roll, and lease agreement of property to be refinanced. Sometime in XXXX, We were told over the phone that our refinance request was approved and that they would order an appraisal of the property upon receipt of a signed lease agreement on the property being refinanced. We submitted the signed lease agreement XX/XX/XXXX. On XX/XX/XXXX, we received a call from loan officer XXXX, and he said that the bank need us to verify our bank accounts ( Verifications of Liquidity ) by submitting copies of our statements. I told him that we never had to verify accounts with any other bank in past dealings, and I asked if other customers were required to do the same, and that I think we are being treated different than other customers are being treated. He ask was I refusing and I said yes. I didn't hear back from him until I contacted him on XXXX the XXXX, XXXX to inform him that we haven't receive a letter of credit denial, and he stated that they didn't deny us the refinance, he said that he assumed we withdrew our application. I told him that we have not withdraw the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a loan on my credit report that I never opened. The loan is for almost {$3000.00} says that I am past due for the payment. I've contacted XXXX XXXX they couldn't give me any information on the account because they couldn't find it. From what I see on XXXX XXXX the account was opened on XX/XX/XXXX of 2022.
Product: Checking or savings account

On XX/XX/2018 I set up a automatic transfer of $ XXXX. from my savings account to my checking account. I have direct deposit for a service-connected XXXX. I gave my debit card to a friend to pay bills and send me money while I was XXXX. I also gave him my laptop for safe-keeping. 

In XX/XX/2018, after not hearing from my friend and sensing something amiss, I wrote at least two letters to my US Bank branch , which it neither replied nor have any record of. On XX/XX/2018, in addition to the auto-transfer of {$500.00}, another {$360.00} was also transferred. This transfer could only be happen with access to the Online Banking which I never gave my friend permission. The only access with the laptop. 

On XX/XX/2018, US Bank tells me it found fraud on the account. Instead of contacting the account holder ( me ) of the fraud, US Bank disabled only the Online Banking but left access to transfer funds at any ATM. The account was finally completely blocked after someone requested 6 new debit cards in two weeks. While the new debit cards triggered letters and red flags to my account messaging, there are no messages or red flags around the date of XX/XX/2018. 

During fourteen months, I received {$14000.00} of VA Disability.  Less {$7000.00} for auto-transfer and {$410.00} remaining in the account, leaving a loss of {$6800.00}. I feel US Bank acted negligently when receiving concerns by me in XX/XX/2018, the bank did not reply. A second incident occurred on XXXX XXXX, 2018, in that the bank discovering fraud on the account, merely disabled Online Banking, and therefore, exposing the account to further fraud. There appears to be very little information available from US Bank. 

At one point, the friend went into Online Banking and changed the phone number and the email address, yet there was no notification of that change was provided at the time. Had US Bank acted in the best interests of the account holder, the bank would have blocked all debits until it heard from the account holder.