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

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information. The reporting of excluded information pursuant to 15USC1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. Before you think to reply that this account has been " validated '', lets be clear that I am NOT asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collections/Charge-off Status WITHOUT mailing me a copy of IRS form 1099-c Cancellation of Debt. Equifax and the creditors reporting collections/charge-off, late payments/ other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If these derogatory accounts information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

This account is not owned by me ; I have never had any services from this service provider and therefore owe no balance as stated in my credit files. Please provide me with relevant information that you are using to validate this account such as ID used to open this account ; when and where this account was opened ; signatures etc., so that I may add it to my current and ongoing investigation.
Product: Mortgage

My name is XXXX XXXX and Ocwen has been my mortgage servicing company for approximately 10 years under loan # XXXX I am now unemployed as of XX/XX/XXXX, and Ocwen will not grant an unemployment forbearance/ modification since I participated in The HAMP Program 9 years ago. 

A forebearance is necessary in order to stave off foreclosure. This is my primary residence. 

Consequently, I would like to place a complaint against Ocwen. Additionally, every month I receive a bill from them which is extraordinarily high, meaning approximately 5 times the amount of my monthly mortgage payment. 

Kindly advise me of the next steps in this complaint process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company on XX/XX/XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : 1. 
XXXX BANK XXXX, Opened Date XX/XX/XXXX, Balance {$7100.00} 2. XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1400.00} 3. XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$170.00} I am attaching all the documents I sent to them earlier for your reference
Product: Checking or savings account

On XX/XX/year> @ XXXX am I made an online purchase using my Credit Karma money spend debit card but accidentally entered the wrong CVV code, the transaction should've been declined however it was approved. I made another small transactions and used the wrong code again that transaction was also approved. I screen recorded the second transactions for proof. I contacted Credit Karma spend account customer service at XXXX am PST on XX/XX/year> and was immediately told that it was a glitch in their system and that I'd have to file a dispute. Which I disagreed because the dispute would go against the merchant which it is not their fault that the bank approved the transaction. I spoke with a supervisor and again was told that I'd have to file a dispute. After being on the phone for XXXX minutes, I was disconnected. I called back and explained that I had proof of this happening finally I was emailed a link to upload the video which I did. Never heard anything. So I contacted again and then was told that they don't support videos, so XXXX screen shorted pictures directly from the video and sent them in. It is now a day later and I have yet to hear anything from them. So basically anyone could use my card number with any random CVV code and the transactions will be approved. I also requested information wanting to know each transaction that was made using the wrong code and they said they don't have that information.
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 the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX Opened XX/XX/2024 Open Balance {$130.00}. I have no knowledge of this account! I have no contract with this company. This had affected my credit score.
Product: Mortgage

I had a mortgage for XXXX years with XXXX XXXX XXXX My original payment started out at about {$1600.00}. The next year when the analysis was done they lowered it to {$1400.00}. They recently sold my mortgage to seneca mortgage and I have received a letter from them on XXXX XXXX 2015 stating that my mortgage will be going up to {$1900.00}. I called to inquire and was told that my escrow had a shortage and I could also pay the shortage in a one lump sum. I do n't have that kind of money. I then called XXXX who sold my mortgage to seneca and was told that who ever did my analysis made an mistake and did n't include my pmi insurance but not to worry because they paid it for me. I find that hard to believe. I want to know how the new company can charge me this money when the previous company made an error in the analysis.XXXX said they were aware of the mistake but no one took the time to call us so that we could have rectified this before it got to this stage. I had spoken to the new company and they are not willing to work out anything other than payment in full of back escrow or up my payment $ XXXX.How is it our mistake when the bank created the problem.I 'm sure if we made a mistake they would be the XXXX ones on the phone to get their money.This is like selling a car to someone and then realizing you could have gotten more and then go back to that person for the difference.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries were added to my credit report on XX/XX/scrub>XXXX XXXX XXXX XXXX without my permission. I promptly contacted each creditor to request documentation showing proof of my submission or consent for these inquiries, but none was provided. Despite my efforts to have the inquiries removed, they remain on my credit report and are having a detrimental impact on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked out my credit report. I see two accounts from Midwest Recovery Systems for the same amount of {$1000.00} from two different payday companies. I have emailed Midwest and XXXX   the two payday companies and there is no information on them. Midwest has not emailed me back. I did not open these two payday loans as Midwest Recovery has stated. I need them off my credit report.
Product: Mortgage

I have had nothing but u=issues since day one trying to make payments. An earlier complain remains open unaddressed concerning the re submission of a payment they CLAIMED they never received but after I made payment submitted the first check and then charged me return fees. I have had nothing but difficulty making my current payment since their data base is non functional- see attached email and their automated attendant does not work. Trying to reach them and anyone who any type of capability during this Caronavirus ineffective. I understand that but as they continually remind people they are a BILL COLLECTOR- etc and they make that known and their response in returning or crediting money they should NOT have charged leaves a lot to be desired.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax Regarding Inaccuracies In My Personal Information As Reported In My Credit Report.

Details Of The Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, but my credit report shows an outdated address as : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX. I request that employer be updated to reflect the correct information. 

Supporting Documentation : I Have Enclosed Copies Of Supporting Documents To Verify The Accurate Information Provided Above, Including : A Copy Of My Driver 's License Or Passport Displaying My Correct Name.

A Recent Utility Bill Or Bank Statement Showing My Current Address And Current Employer.
Product: Debt collection

XXXX is XXXX pulling a scam. XXXX confirmed my cancellation and recieved all the proof they asked for but still has not resolved this issue and claiming I owe for a phone which is a complete lie ( proof provided ).
Product: Vehicle loan or lease

Please treat this as a dispute of the amount that Bank of America, N.A. claim that I owe and the amount that Bank of America, N.A. has been collecting from me since the origination of my automotive loan. To be specific, based on the information that I recently learned, Bank of America, N.A. erroneously charged me and has been collecting from me an amount that falsely included a XXXX XXXX XXXX XXXX ( Option Code : XXXX, Form Number : XXXX ) warranty ( Warranty ) which was wrongfully and unilaterally cancelled by XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, ( Dealership ). Herein, I am disputing the principal balance, calculated monthly payment, interest and any fees or costs that Bank of America, N.A. claims I owe or that Bank of America, N.A. has collected from me to date since no warranty, no notice of cancellation, and no refund have been provided to me in exchange for what I have paid to Bank of America, N.A. I am requesting an investigation and response to my dispute raised herein and an explanation of whether or not any amounts have been refunded by or to Bank of America by either XXXX or XXXX as it relates to the Warranty and my automotive loan.
Product: Mortgage

have been in a foreclosure for 7 yrs mortgage company finally foreclosed because of fraudulent docs.i have proof of fraudulent promissory note as well as fraudulent deed of trust finally the mortgage company got the documents it needed forged they never had a valid deed of trust with proper signature or a promissory note with proper signature, But hey got this papers forged .I have papers where the notaries stamps are marked out I have papers that state the note was lost and they are adding in a blank note which is illegal I need help to stop the sale of my property which is up for sale on XXXX XXXX 2016 I cant take this case back to superior court and the XXXX board of appeals will not consider any new evidence in this case so I would like for criminal charges be filed against the XXXX attorneys and the judge that handled this case but I fear for my life as well as my family based on a case that was filed against a judge and mortgage company out of XXXX XXXX .the judge that ruled on this case in XXXX XXXX XXXX the person he ruled against was called SUNNY XXXX OR XXXX LAST NAME XXXX XXXX or XXXX was found dead shortly after .I know that the attorneys for the mortgage company has international ties so that is my problem of being murdered if I bring charges against attorneys and mortgage company as well as the judge who ruled on this case.But I will not be intimated by fear I am XXXX yrs old so if death be an issue in me persuing just by these crooked lawyers and judges let it be but I want these XXXX prosecuted.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative. I recently received an " updated '' reinvestigation of an innacurate tradeline from my Experian credit file, and noticed that the innacurate tradeline is still showing up on my credit report further destroying my good name. 

XXXX XXXX XXXXXXXX is still being reported by Experian despite my multiple requests for them to reinvestigate and delete it accordingly. 


According to the Fair Credit Reporting Act, 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 sent a letter asking EXPERIAN to make sure everything is complete and accurate and TO PROVIDE HOW THEY VALIDATED THE INFORMATION. They sent my investigation back and said everything was complete and accurate, but if you check my attachment everything is not complete and accurate, and according to 15 USC 1681i 5, they are suppose to do this : ( 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 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 according to this law, they are suppose to provide me a DESCRIPTION OF THE INVESTIGATION according to 15 USC 1681i ( 7 ) : But AFTER MULTIPLE REQUESTS BY ME, they did not do that as well. 

I have repeatedly asked them to provide me with the * signed application for credit *Terms of the Agreement * credit card statements * receipts with my signature.

*the name of the person requesting the validation from Experian, and the name of the person providing the information from XXXX And despite my multiple requests, they continue to provide me with NOTHING.
Product: Money transfer, virtual currency, or money service

Hello, Id like to first state how PayPals customer service is the worse of the worst Ive ever experienced. To say the least is quite an understatement. The agents are rude and dismissive with no integrity whatsoever. This issue is in reference to ( ID - XXXX ). On XX/XX/XXXX  I received a message from XXXX XXXX stating why there was a permanent limitation placed on my account. Which states there was a high level of risk associated with my account, specifically, a history of sending and receiving payments from another PayPal account in my name. Yes, that is correct. When did it become an issue to send money to myself in which I have been doing so for a little over 5 years now ( DUE TO MY CONVENIENCE WITH NO ISSUES UNTIL NOW ). Both accounts under XXXX and XXXX belong to me. One is used to send money and the other to make purchases. Upon the temporary limitation being placed on my account, I was asked to provide certain documents and an explanation on specific transactions and the reason given was very much clear. XXXX XXXX also states that PayPal reviewed my Account and determined they were unable to mitigate the risk associated with my Account and determined the explanation was not sufficient for my payment activity. I was personally sending money to myself. How else am I supposed to explain that and why is that an issue almost 6 years of doing so??? Seems like PayPal needed an excuse to permanent limit my account after they put a temporary limitation on it, also, after the confirmation of my identity. If me sending money to myself is the reason why my accounts has been suspended than that should have been stated in the very first few messages Ive received. Yet, instead Ive received different reasons concerning why my accounts has been permanent limited. To sum it upPayPal was not 100 % clear nor was there clear communication on their end of comprehension referring to the suspensions of my accounts. On both accounts Ive done absolutely nothing wrong that contributes to PayPals policy. I am very well aware of my rights and this is against the law. I have contacted my attorney, he also stated that there was absolutely nothing in the user agreement that qualifies for the limitation being put on both of my accounts. Ive already taking this matter to the small claims court, as I feel this issue has become inconvenient for me and has gone way further than needed. I would like both of my accounts reinstated. If my issue is not resolved I will be force to take this situation to the federal courthouse. 

XXXX XXXX
Product: Credit card

I just spoke with XXXX at carnival cruise master card through Barclays. They told me theres a balance from the interest on the account that was closed and was supposed to be 0 % to begin with. That was from the previous complaint, but since they responded to that one, I was unable to add this additional, new issue.
Product: Payday loan, title loan, or personal loan

Applied for a personal loan through lending tree, was contacted by a XXXX XXXX from XXXX XXXX XXXX @ XXXX, then onto a direct number @ XXXX out of Georgia on XX/XX/18. He stated I could set up a loan to pay off some hospital debt and clear up my credit, with a personal loan. I had to purchase insurance for it, by linking my account with XXXX XXXX XXXX  purchases totaling {$800.00}. He says they mobile deposit through your bank account login with a check from XXXX, XXXX for the {$800.00} to make it credited that day. Then the routing number is set up for the loan/automatic payments, and you reset your login/password. The deposit becomes fraud, and is not accepted by the bank. He said they write reports to the FTC to report for credit scores, therefore trying to convince the consumer into a loan program for helping you. 
I also received a strange threatening voicemail from an unknown caller in a voice altered tone, the day after blocking both numbers. Just said ( my name ), your next. I was being bombarded with loan offers and still continue to get calls and emails, so Im not sure if this was related. After applying through lending tree, I felt preyed upon being a low income single parent
Product: Credit card or prepaid card

I opened a Bank of America card. Made 1 purchase. Made a payment-got a letter a week later that my bank reversed the payment. I confirmed that my bank did not reverse any payment and in fact BOA did not attempt to take a payment at all. This has now happened 4 times. I call a live person at BOA to confirm my account information and they process another payment, give me a confirmation number, then I get a letter a week later, my bank reversed the payment. I have several thousand dollars in my account and BOA has my correct payment information. BOA is not taking payments and then tacking on late fees and reporting me to the credit bureau. I have excellent cred and this is affecting my credit, costing me fees, causing me extreme stress, and I am spending a ton of time on the phone with BOA and never get anywhere. It appears that I have not made a payment in months!! I am at a loss and have never had this problem ever! I feel this is intentional and fraudulent to get fees out of me and the problem is not me. I just want to pay by bill! 

I recorded all calls with BOA
Product: Credit reporting, credit repair services, or other personal consumer reports

" US SM BUS ADMIN ODA  '' - XXXX XXXX is in violation of 15 USC 1692d ( 1 ) - damaging my reputation in regards to my credit report. I did not consent nor benefit from the following information being reported on my credit report. Remove items and report positively on my credit report.. 

XXXX XXXX XXXX XXXX  -XXXX XXXXXXXX also is in violation of 15 USC 1692d ( 1 ) - damaging my reputation in regards to my credit report. I did not consent nor benefit from the following information being reported on my credit report. Remove items and report positively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. This is affecting me from getting my house for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report below
Product: Debt collection

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX  XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy Discharged CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently having issues with my capital one credit card. I made a payment on the credit card at the branch located on XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX. I made a payment using the ATM and the machine was out of paper and I didn't receive a receipt. 

The Payment was for {$300.00} that I made in cash and the ATM informed me t hat the payment went through. This happened nearly a year ago in XXXX of 2021. Since then I have been having issues with the bank as they are not recognizing the payment and have since closed my account.which has negatively impacted my credit score. Since then they have not only added fees to this account but also I have never received any communications from the bank in regards to this account. I only came to find out that it was closed and impacting my credit score after reviewing my credit report with a Financial Advisor.