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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Mortgage

We have been working with Ocwen Ombudsman Office since XXXX. I have submitted to home modification requests, both times they say they never received them. I have asked them for a reinstatement amount owed. They refuse to give this to me. We basically have no information to go on and they have no interest in helping us resolve this. We called our state Florida regulatory agency and they told us Ocwen is the worst to work with and they face many legal challenges. They said that they may not even want to work out even taking they payments from us, that's why they refuse to give us a reinstatement amount. They say they have been under scrutiny for some time and it's easier for them if I just go away. I don't want to lose the house. I just want to know how much is owed, we may be able to pay it today. I want to have a chance to modify. I asked Ocwen if they are unwilling to modify what else are my options, they said we will foreclose on your house we do thousands a day. This isn't fair. I just want a fair resolution and them to actually do something honest. I may be asking for to much. What other options do I have to force them to comply with the law.
Product: Debt collection

My daughter called Caine & Weiner on XX/XX/XXXX around XXXX XXXX, acting as me I guess to find info on this. They did not verify info to make sure it was me. they released to her the Creditor and the balance and continued to discuss the file with her. i did not like that this was done. So, I called them on XX/XX/XXXX around XXXX XXXX I then find out and I called them and asked straight off to spoke with a manager or supervisor, i was transferred 2 times. I spoke with a supervisor and off the bat when i explained the issue, he stated they did not have to verify and became combative. I told him before a debt collector gives any info they have to verify info to make sure they are speaking with the correct person. That is FDCPA Law. He stated what info was released to my daughter. I told him the creditor and the balance. he stated they don't have to. I told him i am in collections. He then started to ask me, first party, third party what type am I in. I told him Legal. i work for an XXXX  office, the same as him. He said well then you know. i said yes i do know. I know per FDCPA that you have to verify last 4 of social and date of birth before you speak to anyone to make sure you have the correct person. I told him that i will be reporting this and that the call recordings they have will show that a violation was made. He proceed to tell me their calls maybe recorded. I told him i know all calls are recorded, that is how they can monitor if the collectors stay in compliance to the law. the hole time we were talking he was talking over me. I had told him i was reporting this issue. He did not like my response. There is no telling how many times they have broken the law. I do not appreciate my personal information given to anyone even my daughter. Verifying people is a Key point in a collectors job.
Product: Debt collection

I received an alert from the credit reporting agency that a collection showed on my profile. When I checked it all it showed was Paramount Recovery {$3000.00}. I had to XXXX the number and location it wasn't on the report. I called and the rep said they were collecting for XXXX XXXX XXXXXXXX! I told her that I didn't owe XXXX any thing. Then she said " oh it's XXXX XXXX '' I don't even know what that is. I told her that I have never pursued any business for that company and if they are claiming that I did that I wanted original contacts with my signature. I never heard of either of these companies or received any correspondence from Paramount Recovery or this so called XXXX XXXX.
Product: Credit reporting

Initially contacted Experian to see personal id info as part of Social Security account initiation process. SS told us to use info as listed with Experian for id verification. In the process inadvertently signed up for their service. Their website has no link to cancel service and very long waits on the phone to get service. 
By the time we finally reached someone the 7 day " trial '' period had passed and we were charged for a month of service. It has been less than two weeks since we initiated the service. They would neither refund nor prorate the charge.
Product: Credit card or prepaid card

When researching my credit due to divorce I discovered 2 judgments against me that I was never made aware of. I attempted to contact Midland Funding using the address on the judgments and the mail was returned undeliverable. These accounts are fraudulent due to identity theft.
Product: Vehicle loan or lease

In XX/XX/year>, my husband and I returned our Audi XXXX  to the dealership. They did not advise or conduct a vehicle inspection with us present, but instead sent the vehicle to action, where the final inspection was conducted. Approximately 4 months later we received our last bill that included charges in the upward amount of {$3000.00}. The initial invoice mentioned a missing charging cable, which I knew to be false as we never used the cable given we had a charging station installed at our home.I called the financial service company immediately who shared my account had been updated as the notes reflect I had returned the cable. I shared with the phone agent that was false information as I never returned the item, nor was it ever missing. I requested to be sent the inspection report to review the other charges that I also believe were inaccurate. My request was escalated to a supervisor and I never heard back nor received the inspection report. For the last 6 months my husband and I both have called requesting more information and have been told either the agent would look into it, or that it was not available as they do not have an inspection report on file. We are simply asking to prove the charges are legitimate so that we can settle our account fairly.
Product: Credit card

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of account information on my credit report by the bureaus and creditors for my accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - - XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I applied for a phone with XXXX XXXX on XX/XX/XXXX following a promotional offer advertised on the television.According to the offer l was told that I could have a 2 weeks trial period during which I will not be penalized for the use if I returned the phone back.After 3 days and only one phone call to XXXX XXXX lasting about 3 minutes, l returned the phone back on XX/XX/XXXX because my family did n't like the offer.I was refunded back to me about {$50.00} out of {$68.00} that l paid for the deposit for the phone.Now I am being asked to pay {$260.00} for the phone line that I never used after the cancellation of the phone line and the phone returned back.My name has been submitted to the 3 credit bureaus for collection after I have attempted to resolve the issue.I am a senior citizen and l find this practice to be deceptive and a means to obtain money with intent to defraud consumer s.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not a duplicate complaint. I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. Re : 1. The following account is not mine untitled collection Account Number : XXXX Please remove this account from my credit report immediately! Please send the following information used to verify the validity of : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : untitled collection XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. PLEASE NOTE, THAT I'M NOT USING ANY THIRD PARTY FOR THIS MATTER, I represent myself by myself I have enclosed in this package : FTC Report, Affidavit, copy of SSN, ID, POA
Product: Checking or savings account

I had a savings account with American Express with {$900.00} in there. They closed my account and refuse to return my funds. I have tried calling, I did their live verification. They are saying that the bank that I transferred from has to recall the funds. XXXX XXXX has tried that and they still refuse to send the funds. I even tried to dispute and they are fighting that as well. I know {$900.00} isn't a lot to many people, but as a single mother of XXXX, it is equivalent to a XXXX dollars for our family. I'm not sure what else to do at this point. They are just stealing my money
Product: Credit card or prepaid card

I got an email from XXXX, the only big bank I have an account with, on XX/XX/XXXX that there was a new inquiry on my credit. It was from Amex, who I called and they said they had no record of someone trying to open a line of credit under my name with them. Then on XX/XX/XXXX I woke up to 2 new emails about separate credit inquiries, one from XXXX and the other from XXXX XXXX. Both said they received applications, but they got flagged as fraud so did not go through. I then called XXXX to freeze my account and add a fraud alert to prevent further attempts. They said they were removing the three inquiries and that the next step is reporting the fraud to my local PD or through the FTC website, so thats what Im doing here.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a period from approximately XX/XX/2002 to the present the U.S. Department of Education ( XXXX, XXXX XXXX, etc. ) has failed to report accurately the information on my credit report ( s ). There are verifiable payments made from three different credit union accounts ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) where XXXX XXXX XXXX is the accountholder in which she has paid student loans in the amount of $ XXXX {$300.00} or more per month but the information is not reflected on her credit report ( XXXX ). XXXX XXXX XXXX has received education for XXXX XXXX programs and earned degrees ( XXXX and XXXX  ) as well as a educated in a XXXX  of XXXX  ; earning ( holding an XXXX ) and finally a XXXX XXXX XXXX ( XXXX  ) that has been placed on hold ( deferment ) due to financial aid or U.S. Department of Education errors at a XXXX  University.
Product: Consumer Loan

We purchased a vehicle in XX/XX/XXXX. The financing was done through Ally Financial. i was XXXX in the XXXX until XX/XX/XXXX. In XX/XX/XXXX we moved back to XXXX. We updated Ally numerous times with our new address and phone numbers. In XXXX Ally repossessed the vehicle from our current address in XXXX but continued to send letters to XXXX. Because of that we never got any notification of anything. Once Ally sold the car, we never got a notice of deficiency. Now Ally has us in collections which should be illegal because we never had a chance to rectify the situation or even were aware of what was owed.
Product: Credit reporting or other personal consumer reports

According to F C R A section 605 B, it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report.
Product: Credit card or prepaid card

XXXX XXXX closed my frequent flyer account stating that the miles I obtained from Citi Credit Cards were fraudulent. I need confirmation that ALL miles earned through CITI credit card accounts in my name were legitimately earned and that XXXX XXXX did not have reason to close my account due to XXXX XXXX miles activity of my CITI cards.
Product: Student loan

I am continuing to have a rising balance on my student loans despite being informed that I am in interest free forbearance currently. I have contacted Mohela on XXXX occasions and have been given XXXX different explanations as to why this is happening. I am told they will rectify my loan balance in the future which is extremely concerning. For example my loan balance has increased from {$360000.00} on XX/XX/XXXX to {$360000.00} on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 168s-2 ( A ) ( 1 ) A person shall not furnish any inmation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres 3 accounts that has been skillfully and fraudulently placed upon me and it's gotten to the point where my issue now is with EXPERIAN, inwhom attributes to this by continuing this identity madness with the original perpetrators. I have on many occasions requested physical documentation of the alleged accounts. Im also requesting the Method of Verification used in your investigation of this matter. This company EXPERIAN has violated the rules of the FCRA by continuing reporting these accounts when they been determined not mines by the way of identity theft and/ or a similar name. It's been passed the 30 day rule of presenting physical documentation upon request. And as a general rule of law electronic Verification can not be accepted as proof if this is what your company is relaying up on. Therefore, I'm demanding that this credit reporting agency remove and block these unauthorized accounts immediately. 

1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX
Product: Credit card

I applied for an XXXX XXXX Credit Card with FNBO in late XX/XX/year>. They denied my application almost instantly. I called to see if they could clarify the reason behind the denial since I have a credit score of XXXX according to XXXX. The first XXXX representatives told me that it was against their policy to discuss decisions, but a third representative agreed to email me the denial letter. 

Their denial letter baselessly claimed my " balance-to-limit '' ratio was too high. Knowing that I could very easily debunk this false claim given my low utilization rate, I called them back, and, much like before, the first representative told me that they don't discuss their decisions. A second representative said they would transfer me to a decision maker to chat about it but hung up on me instead of transferring. A third representative offered to submit a reconsideration request for me, which I accepted. 

The reconsideration letter was also denied despite XXXX of its XXXX claims being verifiably false, leading me to call them back once again. Having not been provided an opportunity to calmly explain to a human decision maker why they denied me for a bogus reason, I was hopeful that I could clear the air. 

Instead I dealt with an extremely rude and financially illiterate customer service representative who got progressively angrier that I politely maintained that XXXX of their reasons for denying me had no root in reality. When I asked to speak to the member of the team who had contacted me, they said " you're speaking with me '' despite their obvious lack of authority and familiarity with the situation. 

They misled me and repeatedly failed to defend a false rationale. When confronted about this misconception, they offered poor service that devolved into hostility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original loan was with XXXX  ( # XXXX ) and during covid-19 starting from XX/XX/XXXX we were on the Forbearance plan until XX/XX/XXXX XXXX during the Forbearance plan our payment to XXXX  for mortgage payment was paused and we were not to be reported to credit agencies as late payment or delinquent. It was a temporary pause on our monthly mortgage payment until XX/XX/XXXX. After the Forbearance plan had ended, we were told by XXXX to make 3 monthly payments and a loan modification will be completed to add the paused payments to the end of the current loan. XXXX payment was paid on XX/XX/XXXX for XXXX payment, XXXX check paid on XX/XX/XXXX for XXXX payment, and after making the first 2 payments to XXXX we were informed that XXXX XXXXXXXX XXXX  company had taken over our Loan in XX/XX/XXXX and the 3rd payment should be paid to them. 3rd payment was paid to XXXX XXXX  company dated XX/XX/XXXX and was deposited by XXXX on XX/XX/XXXX. ( all XXXX payments were paid for XXXX, XXXX, and XXXX prior to ending date ) all checks were deposited prior to check date ( Copies attached ). Numerous calls had been made to XXXX to clear false report to credit bureau but nothing was done causing us more stress. How can I be late XXXX days when all payments were made on time and according to our contract with XXXX when XXXX purchased our loan in XX/XX/XXXX! We were reported to credit agency as soon as they purchased our loan and by law they have to give us a 60 day grace period which was not provided. we have not been late in any payments before forbearance plan or after the forbearance plan had ended. XXXX has provided false information to credit bureau causing damage to our credit score.