23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax stating that they had violated 15 U.S Code 1681b Permissible purpose of consumer reports which states that : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I stated to Equifax that I gave them no consent to report anything on my consumer report. 
I told Equifax to delete these inaccurate accounts off my consumer report. 
They instead verify the inaccurate information. The accounts that I disputed are enclose in the pdf I attach to this complaint. I also enclose the dispute letter I sent to Equifax.
Product: Mortgage

Ocwen Mortgage company took over my mortgage approximately XXXX to the best of my memory, and I did not know who they were or anything about them. I had no choice in this matter and did not seek another mortgage company, they picked my mortgage to exploit for profit. As it turns out I discovered they are merely a collections agency that got into the mortgage business during the XXXX housing crises. They are a nonlending mortgage company that finds people that have had mortgage payment problems and then exploit this by raising the mortgage payments without explanation or remorse to force the sale or foreclosure of the house. They have raised my mortgage payments on a 30 year fixed rate loan ignoring requests for an explanation for the increases in my payments. I was forced to hire a lawyer in XXXX trying to deal with this company and forced into bankruptcy only because of them and trying to not lose everything I have worked for my entire life. 
In approx XXXX XXXX they had raised my mortgage by over {$800.00} from the original payment amount and there was no way I could pay it I sought help from them still not knowing they were merely predators seeking profit. I was instructed by their representative XXXX XXXX to get 3 house payments behind allowing them to do a mortgage reconstruction dropping my interest rate and house payment. This was a tactic that when I was behind 3 payments I would not be able to refinance with another mortgage company and would literally be locked into a mortgage reconstruction with them. I did as i was told got 3 payments behind and began the mortgage reconstruction making my 3 trial payments of {$1100.00}. They sent me te paperwork to sign and my principle had gone from {$210000.00} to {$220000.00}. When I inquired and asked for a written explanation for this {$13000.00} they refused and would not explain it and told me to just sign and send the contract. I refused without seeing a written explanation. I tried to make the fourth payment and Ocwen refused my payment and within 5 days sent me foreclosure papers. It has been a legal battle ever since then costing me money without seeing any relief. 
Ocwen is well known to CFPB as they were shut down from obtaining new mortgages for the doing to others as they have done to me. Unfortunately, they see the CFPB as a toothless tiger and have merged with another company PHH Mortgage and continue to operate using the same tactics as always. I am now doing battle with PHH Mortgage and my lawyer that admits I was forced into bankruptcy only because of Ocwen has done nothing for me yet has had me send money to the mortgage company that has done nothing to help my situation. In effect it has ruined me, a XXXX veteran that is a XXXX  and I am going to be forced out of my house with nothing. Ocwen/PHH Mortgage are destroying the lives of people every day and disregard every government agency that slaps them on the wrist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX XXXX XXXX XXXX Account XXXX. 
This account is found on my Trans Union Credit Report. I am disputing the accuracy and legitimacy of this account charges. When these charges initially surfaced, I contacted XXXX and reported the charges fraudulent. The largest of the largest charges, I was able to track to a furniture store who provided me a copy of the signed document receipt. They provided information that an older female signed the invoice and the delivery address was not my address nor was it an address I had ever lived. I provided XXXX  this information and subsequently, I provided XXXX all local Police Reports, and Federal Identity Theft Task Force reports of the identity theft and fraudulent use of the card. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and Trans Union have failed to do either. The other two credit bureaus, XXXX  and XXXX  have removed this account, with prejudice, from my credit report. 

A second matter is related to a bankruptcy, XXXX filed XX/XX/XXXX. The filing is subject to a mandatory removal XX/XX/XXXX. I have repeatedly disputed this reporting based upon the fact the bankruptcy court dismissed the case without any discharge and that all creditors were paid satisfactorily. While your position is that Trans Union reserves the right and ability to report the information for ten years, you have no statutory obligation to do so. I continue to labor under the reporting of this bankruptcy and it has a major impact on my credit report and FICO Score. I am asking respectfully that you remove this bankruptcy from my credit report early and allow me to move forward in the current dire circumstance.
Product: Credit reporting or other personal consumer reports

The date-of-last-activity you are reporting for this account does not match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX XX/XX/2024 XXXX
Product: Credit card

On XX/XX/XXXX, I noticed my credit card had numerous charges that were fraudulent and made without my consent. I believe my credit card information was stolen and used to make 32 fraudulent charges totaling {$1000.00}. Charges were made on my card when I was out of State, resulting in charges in two States over the same period of time. On XX/XX/XXXX, I cancelled the card and filed for fraudulent activity with TD bank. I received no response on the dispute. On XX/XX/XXXX, I called the bank back and found that my case was lost by the bank as TD transferred 3rd party vendors. Again on XX/XX/XXXX, I filed the case for the charges totaling {$1000.00}. My claim was denied by TD bank based on the basis of chip on chip and card in possession. This finding is not accurate as charges were being made on my card from one State ( New York ) while I was physically using the card in another state ( Illinois ). 

I again filed the claim with another TD bank representative in XXXX of XXXX and was told I would have to call back to receive the status updates and would receive nothing by mail. I do not believe the case was ever re-filed for review. 

I again filed the case on XX/XX/XXXX reiterating to the TD bank representative that the charges are fraudulent and I could not have made some of them as I was not physically in the state of transaction and I had my card in my possession. I believe my card information was stolen and loaded onto a fake card, but I can not get any traction with TD bank. My claim was again denied for chip on chip and card in possession.
Product: Checking or savings account

Navy Federal charged customers surprise overdraft fees on certain ATM withdrawals and debit card purchases, even when their accounts showed sufficient funds at the time of the transactions.
Product: Bank account or service

I have been a victim of identity theft and have filed reports with local law enforcement as well as the FTC. In relation to this identity theft, I have submitted fraud claims with Bank of America for unauthorized funds that were taken from my business accounts. Bank of America has refused to honor these claims in light of the aforementioned identity theft, even though the funds are FDIC insured.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. XXXX5 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 an account without my written instructions.
Product: Prepaid card

I bought XXXX {$50.00} dollar gift cards at a XXXXXXXX XXXX  in XXXX XXXX the girl behind the counter did not activate the cards correctly None of them worked The store owner was no help would not take or return my phone calls i reported them to XXXX. vanilla gift cards sent them the information they wanted pictue of cards and a credit card receipt with the store and purchase amount on it ( the girl at the store didnot give me an actual reciept because the printer was out of paper and she didnt know how to fix it. they put may case in a report and didnt get back to me for XXXX months it was always under review the case is now closed and im out {$430.00} the credit card statement reciept was not good enough they told me nothing they could do?????
Product: Debt collection

This debit was a fraud and was taken off due to it back in XXXX as this does not even match my name. This debit is also aged out, showing from XXXX, and violates the fair credit act of fraud and aged debt. They are also texting me, which I have never agreed to. Please remove all postings and cease contact with me.
Product: Checking or savings account

I'm refiling a complaint against my personal bank, PNC for 2 provisional credit reversals of {$500.00} totaling {$1000.00}. Their reason for denying my dispute is because of miscommunication with the " language '' of the dispute ... ..? Honestly, I'm really XXXX  with their response. As a consumer, I provided all of the necessary documents in a timely matter to ensure that I would be in compliance with my Account Agreement. Unfortunately for me, PNC was not in compliance with the Account Agreement in regards to my personal account.
Product: Debt collection

While in the process of repairing my credit I noticed an alleged debt from Harvard Collections Services LLC opened in XXXX of XXXX being reported for something that does not belong to me. On XX/XX/XXXX at XXXX XXXX  XXXX I contacted Harvard Collection Services in regards to an alleged debt from XXXX in the amount of {$1300.00}. The agent that I spoke with refused to provide me his name and stated that the alleged debt was in fact mine and that it stemmed from over payment from the state of Illinois for state assistance between the months of XXXX to XXXX of XXXX. I have never resided in the state of Illinois and can't seem to understand why the agent to whom I spoke with advised that I would need to call another phone number and leave a message for a return call in which a representative would call me back for follow up in 7-10 business days. I never received the follow up. I called again on XX/XX/XXXX and left another message. It is now XX/XX/XXXX and I have yet to hear back from Harvard Collections. This alleged debt has been reporting for well over 30 years on my consumer report, which has reached well past the statue of limitations and reporting illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX XXXX XXXX provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XXXX, I paid the full reinstatement amounts required by XXXX, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to XXXX are XXXX XXXX, XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
XXXX attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire XXXX account needs to be removed from my credit report due to their own errors.
Product: Checking or savings account

On XX/XX/year>, my wallet was stolen at a XXXX in XXXX, PA and the thief used my TD debit card to make an unauthorized charge of {$1200.00} at XXXX. I have a police report from the XXXX XXXXXXXX XXXX XXXX, to prove my story The same day of the theft, XX/XX/year>, TD 's fraud department contacted me about the {$1200.00} charge to see if it was fraud. I answered yes it was fraud and my TD card was frozen by the bank. I then went to the local branch of TD ( XXXX, PA ) the next day on XX/XX/year> to get a report my card stolen and get a new card. TD wrote up a dispute for me of the {$1200.00} charge, but TD now refuses to credit my account for the {$1200.00} and has deducted if from my bank account. I have given them the police report. I need help getting TD to reinstate the {$1200.00} to my account.
Product: Credit card or prepaid card

Citi refuses to process my payments and continues to harass me. I submitted phone to executive office months ago and it still has not posted. Citi offered me reduced payments on a COVID-19 plan but then rescinded that and is not giving me the monthly payments that they offered. In addition, Citi refuses to speak to me on the telephone and will not accept my calls to customer service, but then repeatedly calls me beginning at XXXX in the morning and even on XXXX weekends ( today ). I have attempted to communicate with executive and corporate offices and Citi refuses to address my concerns, closed my account out of retaliation for filing complaints, refuses to process my payments, refuses to honor the reduced payments they offered me, won't quit harassing me via telephone and email but then refuses to speak with me. Citi is intentionally withholding my payments I submitted and refusing to give me the reduced payments in a deliberate act of retaliation in an attempt to further ruin my credit because closing my account for no reason out of retaliation for filing federal complaints wasn't enough. Why do they call me if they won't talk to me?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with Truist Bank ( formerly known as Branch Banking and Trust Company, doing business as BB & T, BB & T XXXX XXXX, Lightstream, SunTrust Bank, and SunTrust Mortgage ) after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 

Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Pleased remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

In XXXX, I was dealing with one person, a guy. I told him my situation and asked if I can settle. He said he will check and came back and said no so I have to pay the full amount. I explained my situation again and told him that I am unable to pay the whole amount at this time at which point he got out of control screaming at me and threatening that he will mark me as refusal to pay just before he hung up on me. 
Around the beginning of XXXX, I started talking to a new lady, XXXX I believe who is always on the edge of aggression and i made a payment with her. On XX/XX/XXXX she called again asking for a second payment in one month. And I told her, if there was a possibility of settling so I can pay the full amount. At this point I was tired of dealing with them in general and their abusive tone. She got mad and screaming, I asked if I can speak with the manager. The manager, XXXX started speaking to me very calmly and I was relived, till I started explaining my self and told her and her response, " well go get a job and pay this ''. All I was asking was, would it be possible for me to send a letter to the creditor explaining my situation to see if they would decrease the amount in at least a {$100.00}. She criticized me, told me how stupid my life decisions was, threatened that she has been doing this for 32 years and that I would see this on my credit report every time I apply for something. and at last Hanged up on me! The fact that the manager is the rudest of all, shows why the rest of the employees are rude too. They are a complete headache and literally affect my health every time I speak with them. It has been the main cause of my anxiety this days. Due to my health issue, I had to deal with different debt collectors who were more than understanding of my situation and what I went through. I paid off debts that are more than double the amount of this fully and this is the last and smallest debt left in my credit report yet the one driving me to another health crisis. All I wanted was to see if I would be able to send a letter to XXXX in XXXX through them and asking for a little lower payment. but what did I get, screaming, abuse and judgment.
Product: Checking or savings account

I remember I received the money in my account in XX/XX/year> the amount was XXXX and thats amount didnt have history on my transaction I contact with bank but they didnt respond about it after 2,3 days after receive the payment. Payment was automatically refund with no transaction history again I contacted with bank then they we nothing do with this problem. I stop using bank after 6 ,7 months I want use my account but then I visit my bank they first you pay {$410.00} then you able to open new account I paying and I have recipet for pay. Then bank start the process for new account everything going good when account opening when I enroll in bank app they say we blocked your access and then I call at customer specialties they say we close your account the same day close my account. And same day I open a new account. I attached a file that proof for I open new account on that day my account close
Product: Mortgage

In XXXX of 2023, I received a notification from my XXXX XXXX XXXX ( XXXX ) that my Insurance has been cancelled due to non-payment. I was shocked as I have Escrow set up through my Loan Company. The Loan Company, " Lakeview '', Serviced by " XXXX '' had been collecting my Escrow but NOT paying my Insurance payments to XXXX XXXX XXXX. So, Lakeview tried to charge me $ XXXX for the " Hazard '' insurance. I thought I had all this cleared up, but then my monthly payments went up by {$170.00}. The new insurance rate is $ XXXX more and they are trying to push that overhead to me, even though it is their fault that the insurance rate increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

beginning in XX/XX/XXXX I applied for an auto loan. after acquiring this loan, my son who has the same name XXXX the suffix started having my information on his credit report. after encouraging him to contact the credit reporting agencies in an attempt to fix the issue. after many attempts to resolve these issue, neither him or I were successful. this went on for 3 to 5 years, in attempt to fix this. both my son and I were denied credit to improve our credit. moving forward to XX/XX/XXXX through current, I have hired XXXX XXXX to assist in removing these items and challenging the wrong information on the reports. I was able to get a mortgage fraud judgement against three entities. XXXX XXXX XXXX, Select Portfolio Service and XXXX XXXX XXXX. I sent this documentation to XXXX XXXX to have them help with the removal of them reporting from this. A decision by a Superior Judge deemed it Mortgage Fraud. All of these companies have continued to report wrong information, thus impacting my family and I both financially and mentally! on top of this, I am still getting inquiry reports using my sons prior address, therefor that long complain going back 11 years ago has not stopped. I have not improved my score, due to those 3 entities and the massive unlawful mistakes that the 3 credit report agencies have continued to get wrong. I  stopped using XXXX XXXX after so much in professional communication from the creditors to the agency. I also stop, due to the cost which was over {$2000.00}
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 this account is removed from my file. XXXX XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/2014 Balance : {$0.00}.